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 Three Year 95% Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.4% APRC
  • Product periodFixed until 31/03/2022
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £190,084 payable over 35 years, initially on a Fixed rate for 3 years 7 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 31 years 5 months, would require 43 monthly payments of £760.48 and 377 monthly payments of £903.07.

The total amount payable would be £373,157.87 made up of the loan amount plus interest (£183,108.76), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.4% APRC representative.

First Time Buyer Five Year 95% Fixed Rate Mortgage

  • Initial rate3.47% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.3% APRC
  • Product periodFixed until 30/04/2024
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £190,084 payable over 35 years, initially on a Fixed rate for 5 years 8 months at 3.47% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 29 years 4 months, would require 68 monthly payments of £782.30 and 352 monthly payments of £898.46.

The total amount payable would be £369,454.94 made up of the loan amount plus interest (£179,405.83), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

Two Year Fixed Rate Mortgage

  • Initial rate2.27% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is3.7% APRC
  • Product periodFixed until 31/03/2021
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £352,383 payable over 10 years, initially on a Fixed rate for 2 years 7 months at 2.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 7 years 5 months, would require 31 monthly payments of £3,285.18 and 89 monthly payments of £3,576.23.

The total amount payable would be £420,125.16 made up of the loan amount plus interest (£67,777.64), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 3.7% APRC representative.

Five Year Fixed Rate Mortgage

  • Initial rate2.57% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is3.0% APRC
  • Product periodFixed until 31/05/2024
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £352,383 payable over 10 years, initially on a Fixed rate for 5 years 9 months at 2.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 4 years 3 months, would require 69 monthly payments of £3,333.14 and 51 monthly payments of £3,481.67.

The total amount payable would be £407,551.47 made up of the loan amount plus interest (£55,203.95), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 3.0% APRC representative.

Two Year Fixed Rate Mortgage

  • Initial rate2.57% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is3.8% APRC
  • Product periodFixed until 31/03/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £352,383 payable over 10 years, initially on a Fixed rate for 2 years 7 months at 2.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 7 years 5 months, would require 31 monthly payments of £3,333.14 and 89 monthly payments of £3,589.12.

The total amount payable would be £422,758.47 made up of the loan amount plus interest (£70,410.95), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 3.8% APRC representative.

Self Employed Two Year Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.5% APRC
  • Product periodFixed until 28/02/2021
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £276,197 payable over 33 years, initially on a Fixed rate for 2 years 6 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 30 years 6 months, would require 30 monthly payments of £1,141.05 and 366 monthly payments of £1,349.81.

The total amount payable would be £528,263.18 made up of the loan amount plus interest (£252,101.32), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.5% APRC representative.

Self Employed Two Year Fixed Rate Mortgage

  • Initial rate3.77% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.6% APRC
  • Product periodFixed until 28/02/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £276,197 payable over 33 years, initially on a Fixed rate for 2 years 6 months at 3.77% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 30 years 6 months, would require 30 monthly payments of £1,220.01 and 366 monthly payments of £1,355.23.

The total amount payable would be £532,615.24 made up of the loan amount plus interest (£256,453.38), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Contractor Two Year Fixed Rate Mortgage

  • Initial rate3.17% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.5% APRC
  • Product periodFixed until 28/02/2021
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £236,748 payable over 25 years, initially on a Fixed rate for 2 years 6 months at 3.17% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 22 years 6 months, would require 30 monthly payments of £1,143.73 and 270 monthly payments of £1,317.80.

The total amount payable would be £390,117.42 made up of the loan amount plus interest (£153,404.10), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.5% APRC representative.

Contractor Two Year Fixed Rate Mortgage

  • Initial rate3.67% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.6% APRC
  • Product periodFixed until 28/02/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £236,748 payable over 25 years, initially on a Fixed rate for 2 years 6 months at 3.67% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.64% to give a current rate payable of 4.64% (variable) for the remaining 22 years 6 months, would require 30 monthly payments of £1,206.91 and 270 monthly payments of £1,323.85.

The total amount payable would be £393,647.45 made up of the loan amount plus interest (£156,934.13), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.6% APRC representative.

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:

Does at least one applicant have an income?


Do you have a deposit (or equity in property) of at least 5% of the property value?


Do you own your current residential property (with or without a mortgage)?


Do you have a deposit (or equity in property) of at least 20% of the property value?


Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 1 working day.