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 minus 1.00%4.39%
  • The overall cost for comparison is4.3% APRC
  • Product periodFixed until 30/11/2021
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £232,990 payable over 35 years, initially on a Fixed rate for 3 years 6 months at 3.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 31 years 6 months, would require 42 monthly payments of £972.40 and 378 monthly payments of £1,077.78.

The total amount payable would be £448,456.64 made up of the loan amount plus interest (£215,252.40), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

First Time Buyer 95% Fixed Rate Mortgage

  • Initial rate3.87% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.3% APRC
  • Product periodFixed until 30/11/2023
  • Deposit required5%
  • Arrangement feeNone
View this mortgage ViewRepresentative Example

A mortgage of £232,990 payable over 35 years, initially on a Fixed rate for 5 years 6 months at 3.87% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 29 years 6 months, would require 66 monthly payments of £1,013.53 and 354 monthly payments of £1,077.85.

The total amount payable would be £448,666.88 made up of the loan amount plus interest (£215,462.64), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.3% APRC representative.

80% Fixed Rate Mortgage

  • Initial rate2.27% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.0% APRC
  • Product periodFixed until 30/11/2020
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £251,124 payable over 24 years, initially on a Fixed rate for 2 years 6 months at 2.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 21 years 6 months, would require 30 monthly payments of £1,131.75 and 258 monthly payments of £1,384.15.

The total amount payable would be £391,278.20 made up of the loan amount plus interest (£139,938.41), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.0% APRC representative.

80% Fixed Rate Mortgage

  • Initial rate2.57% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is3.7% APRC
  • Product periodFixed until 30/11/2023
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £251,124 payable over 24 years, initially on a Fixed rate for 5 years 6 months at 2.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 18 years 6 months, would require 66 monthly payments of £1,169.25 and 222 monthly payments of £1,359.51.

The total amount payable would be £379,196.72 made up of the loan amount plus interest (£127,857.65), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 3.7% APRC representative.

90% Fixed Rate Mortgage

  • Initial rate2.57% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.1% APRC
  • Product periodFixed until 30/11/2020
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £251,124 payable over 24 years, initially on a Fixed rate for 2 years 6 months at 2.57% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 21 years 6 months, would require 30 monthly payments of £1,169.25 and 258 monthly payments of £1,388.39.

The total amount payable would be £393,497.12 made up of the loan amount plus interest (£141,159.00), an application fee of £135 and a redemption fee of £80.

The overall cost for comparison is 4.1% APRC representative.

Self Employed Two Year 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 30/09/2020
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £402,469 payable over 25 years, initially on a Fixed rate for 2 years 7 months at 3.27% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 22 years 5 months, would require 31 monthly payments of £1,965.55 and 269 monthly payments of £2,189.59.

The total amount payable would be £650,196.76 made up of the loan amount plus interest (£247,762.58), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.2% APRC representative.

Self Employed Two Year Fixed Rate Mortgage

  • Initial rate3.77% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.4% APRC
  • Product periodFixed until 30/09/2020
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £402,469 payable over 25 years, initially on a Fixed rate for 2 years 7 months at 3.77% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 22 years 5 months, would require 31 monthly payments of £2,073.60 and 269 monthly payments of £2,199.89.

The total amount payable would be £656,317.01 made up of the loan amount plus interest (£253,882.83), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.4% APRC representative.

Contractor Two Year Fixed Rate Mortgage

  • Initial rate3.17% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.3% APRC
  • Product periodFixed until 30/09/2020
  • Deposit required20%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £152,742 payable over 25 years, initially on a Fixed rate for 2 years 7 months at 3.17% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 22 years 5 months, would require 31 monthly payments of £737.90 and 269 monthly payments of £830.17.

The total amount payable would be £246,455.63 made up of the loan amount plus interest (£93,748.50), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.3% APRC representative.

Contractor Two Year Fixed Rate Mortgage

  • Initial rate3.67% Fixed
  • then changing to our SVR minus 1.00%4.39%
  • The overall cost for comparison is4.4% APRC
  • Product periodFixed until 30/09/2020
  • Deposit required10%
  • Arrangement fee£999
View this mortgage ViewRepresentative Example

A mortgage of £152,742 payable over 25 years, initially on a Fixed rate for 2 years 7 months at 3.67% and then a 1.00% discount off our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 22 years 5 months, would require 31 monthly payments of £778.66 and 269 monthly payments of £834.12.

The total amount payable would be £248,781.74 made up of the loan amount plus interest (£96,074.61), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 4.4% 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 12 working days.