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 £148,880 payable over 30 years, initially on a Fixed rate 3 years 1 months at 3.57% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 26 years 11 months, would require 37 monthly payments of £672.78 and 323 monthly payments of £818.94.

The total amount payable would be £438,431.96 made up of the loan amount plus interest (£289,582.36), 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 rate3.67% 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 £232,985 payable over 35 years, initially on a Fixed rate 5 years 3 months at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 9 months, would require 63 monthly payments of £985.99 and 357 monthly payments of £1,204.50.

The total amount payable would be £492,388.87 made up of the loan amount plus interest (£259,433.99), 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 is4.5% APRC
  • Product periodFixed until 31/01/2021
  • Deposit required20%
  • Arrangement fee£995
View this mortgage ViewRepresentative Example

A mortgage of £250,120 payable over 24 years, initially on a Fixed rate 3 years 4 months at 2.07% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 20 years 8 months, would require 40 monthly payments of £1,102.72 and 248 monthly payments of £1,488.57.

The total amount payable would be £413,539.16 made up of the loan amount plus interest (£163,449.00), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.5% APRC representative.

80% Fixed Rate Mortgage

  • Initial rate2.27% Fixed
  • then changing to our SVR, currently5.39%
  • The overall cost for comparison is4.2% APRC
  • Product periodFixed until 31/12/2022
  • Deposit required20%
  • Arrangement fee£1,495
View this mortgage ViewRepresentative Example

A mortgage of £250,120 payable over 24 years, initially on a Fixed rate 5 years 3 months at 2.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 18 years 9 months, would require 63 monthly payments of £1,131.71 and 225 monthly payments of £1,465.36.

The total amount payable would be £401,268.73 made up of the loan amount plus interest (£151,178.57), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.2% 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 £402,464 payable over 25 years, initially on a Fixed rate 3 years 7 months at 3.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 21 years 5 months, would require 43 monthly payments of £1,965.53 and 257 monthly payments of £2,383.25.

The total amount payable would be £697,278.04 made up of the loan amount plus interest (£294,843.86), 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 £402,464 payable over 25 years, initially on a Fixed rate 3 years 7 months at 3.77% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 21 years 5 months, would require 43 monthly payments of £2,073.58 and 257 monthly payments of £2,398.92.

The total amount payable would be £705,951.38 made up of the loan amount plus interest (£303,517.20), 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 £152,737 payable over 25 years, initially on a Fixed rate 3 years 7 months at 3.17% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 21 years 5 months, would require 43 monthly payments of £737.87 and 257 monthly payments of £903.23.

The total amount payable would be £264,123.52 made up of the loan amount plus interest (£111,416.39), 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 is5.0% APRC
  • Product periodFixed until 30/04/2021
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £152,737 payable over 25 years, initially on a Fixed rate 3 years 7 months at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 21 years 5 months, would require 43 monthly payments of £778.63 and 257 monthly payments of £909.23.

The total amount payable would be £267,418.20 made up of the loan amount plus interest (£114,711.07), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.0% 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 3 working days.