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 Discount rate for 2 Years at 4.49% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 33 years, would require 24 monthly payments of £1,392.06 and 396 monthly payments of £1,553.68.

The total amount payable would be £649,847.60 made up of the loan amount plus interest (£355,347.60), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.4% APRC representative.

First Time Buyer 95% Fixed Rate Mortgage

  • Initial rate3.67% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is4.9% APRC
  • Product periodFixed until 31/12/2022
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £294,530 payable over 35 years, initially on a Fixed rate Until 31.12.2022 at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 5 months, would require 67 monthly payments of £1,246.45 and 353 monthly payments of £1,520.12.

The total amount payable would be £620,407.29 made up of the loan amount plus interest (£325,907.29), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.9% 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 30/04/2021
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 30.04.2021 at 3.27% 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 £4,184.29 and 315 monthly payments of £5,249.02.

The total amount payable would be £1,842,183.32 made up of the loan amount plus interest (£883,184.32), 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 rate3.77% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is5.0% APRC
  • Product periodFixed until 30/04/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 30.04.2021 at 3.77% 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 £4,452.30 and 315 monthly payments of £5,282.82.

The total amount payable would be £1,864,825.41 made up of the loan amount plus interest (£905,826.41), 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 rate3.17% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is4.9% APRC
  • Product periodFixed until 30/04/2021
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £529,029 payable over 33 years, initially on a Fixed rate Until 30.4.2021 at 3.17% 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 £2,155.97 and 351 monthly payments of £2,792.44.

The total amount payable would be £1,077,549.38 made up of the loan amount plus interest (£548,550.38), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.9% 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 30/04/2021
  • 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 30.4.2021 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 £2,809.87.

The total amount payable would be £1,090,384.00 made up of the loan amount plus interest (£561,385.00), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.1% APRC representative.

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