Fixed Rate Mortgages

A fixed rate mortgage offers you the peace of mind of a set monthly payment during the term of the mortgage deal.

Your home may be repossessed if you do not keep up repayments on your mortgage

Our fixed-rate mortgages

First Time Buyer 95% Fixed Rate Mortgage

  • Initial rate3.57% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.1% APRC
  • Product periodFixed until 31/10/2020
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £294,530 payable over 35 years, initially on a Fixed rate Until 31.10.2020 at 3.57% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 31 years 6 months, would require 42 monthly payments of £1,229.24 and 378 monthly payments of £1,533.34.

The total amount payable would be £631,225.79 made up of the loan amount plus interest (£336,725.79), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.1% APRC representative.

First Time Buyer 95% Fixed Rate Mortgage

  • Initial rate3.97% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.0% APRC
  • Product periodFixed until 30/09/2021
  • Deposit required5%
  • Arrangement fee£495
View this mortgage ViewRepresentative Example

A mortgage of £295,025 payable over 35 years, initially on a Fixed rate until 30.09.2021 at 3.97% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 6 months, would require 66 monthly payments of £1,300.99 and 354 monthly payments of £1,530.97.

The total amount payable would be £628,773.15 made up of the loan amount plus interest (£333,778.15), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.0% APRC representative.

80% Fixed Rate Mortgage

  • Initial rate2.07% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is3.9% APRC
  • Product periodFixed until 31/01/2021
  • Deposit required20%
  • Arrangement fee£995
View this mortgage ViewRepresentative Example

A mortgage of £91,025 payable over 12 years, initially on a Fixed rate Until 31.01.2021 at 2.07% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 8 years 3 months, would require 45 monthly payments of £714.42 and 99 monthly payments of £813.31.

The total amount payable would be £112,841.84 made up of the loan amount plus interest (£21,846.84), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 3.9% APRC representative.

80% Fixed Rate Mortgage

  • Initial rate2.27% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is3.5% APRC
  • Product periodFixed until 31/12/2022
  • Deposit required20%
  • Arrangement fee£1,495
View this mortgage ViewRepresentative Example

A mortgage of £91,525 payable over 12 years, initially on a Fixed rate Until 31.12.2022 at 2.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 6 years 4 months, would require 68 monthly payments of £718.34 and 76 monthly payments of £794.53.

The total amount payable would be £109,423.31 made up of the loan amount plus interest (£17,928.31), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 3.5% APRC representative.

Self Employed Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is4.9% APRC
  • Product periodFixed until 31/07/2020
  • Deposit required30%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 31.07.2020 at 3.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 26 years 7 months, would require 41 monthly payments of £4,397.99 and 319 monthly payments of £5,282.44.

The total amount payable would be £1,864,878.70 made up of the loan amount plus interest (£905,879.70), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.9% APRC representative.

Self Employed Fixed Rate Mortgage

  • Initial rate3.67% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.0% APRC
  • Product periodFixed until 31/01/2021
  • Deposit required15%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 31.01.2021 at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 26 years 3 months, would require 45 monthly payments of £4,397.99 and 315 monthly payments of £5,274.66.

The total amount payable would be £1,858,922.98 made up of the loan amount plus interest (£899,923.98), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.0% APRC representative.

Contractor Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.0% APRC
  • Product periodFixed until 31/07/2020
  • Deposit required30%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £529,029 payable over 33 years, initially on a Fixed rate Until 31.07.2020 at 3.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 7 months, would require 41 monthly payments of £2,185.57 and 355 monthly payments of £2,800.08.

The total amount payable would be £1,083,366.49 made up of the loan amount plus interest (£554,367.49), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.0% APRC representative.

Contractor Fixed Rate Mortgage

  • Initial rate3.67% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.1% APRC
  • Product periodFixed until 31/01/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £529,029 payable over 33 years, initially on a Fixed rate Until 31.01.2021 at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 3 months, would require 45 monthly payments of £2,306.15 and 351 monthly payments of £2,809.11.

The total amount payable would be £1,089,600.99 made up of the loan amount plus interest (£560,601.99), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.1% APRC representative.

Professional Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.2% APRC
  • Product periodFixed until 31/01/2020
  • Deposit required30%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £791,029 payable over 34 years, initially on a Fixed rate Until 31.01.2020 at 3.27% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 5 months, would require 43 monthly payments of £3,214.67 and 365 monthly payments of £3,690.80.

The total amount payable would be £1,485,685.38 made up of the loan amount plus interest (£694,686.38), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.2% APRC representative.

Professional Fixed Rate Mortgage

  • Initial rate3.57% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.3% APRC
  • Product periodFixed until 31/01/2020
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £791,029 payable over 34 years, initially on a Fixed rate Until 31.01.2020 at 3.57% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 5 months, would require 43 monthly payments of £3,350.40 and 365 monthly payments of £3,703.75.

The total amount payable would be £1,496,229.21 made up of the loan amount plus interest (£705,230.21), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.3% APRC representative.

Professional Fixed Rate Mortgage

  • Initial rate3.87% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.4% APRC
  • Product periodFixed until 31/01/2020
  • Deposit required15%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £791,029 payable over 34 years, initially on a Fixed rate Until 31.01.2020 at 3.87% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 5 months, would require 43 monthly payments of £3,489.01 and 365 monthly payments of £3,716.16.

The total amount payable would be £1,506,704.85 made up of the loan amount plus interest (£715,705.85), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.4% APRC representative.

Professional Fixed Rate Mortgage

  • Initial rate4.07% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.4% APRC
  • Product periodFixed until 31/01/2020
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £791,029 payable over 34 years, initially on a Fixed rate Until 31.01.2020 at 4.07% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 30 years 5 months, would require 43 monthly payments of £3,583.00 and 365 monthly payments of £3,724.13.

The total amount payable would be £1,513,648.67 made up of the loan amount plus interest (£722,649.67), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.4% APRC representative.

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