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 Five Year Fixed Rate Mortgage

  • Initial rate3.27% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.2% APRC
  • Product periodFixed until 30/09/2024
  • 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 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 29 years 6 months, would require 66 monthly payments of £760.48 and 354 monthly payments of £895.80.

The total amount payable would be £367,348.33 made up of the loan amount plus interest (£177,299.22), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.2% APRC representative.

Family Support Mortgage

  • Initial rate2.97% Fixed
  • then changing to our SVR minus 1.00%4.64%
  • The overall cost for comparison is4.1% APRC
  • Product periodFixed until 30/11/2024
  • 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 7 months at 2.97% 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 5 months, would require 67 monthly payments of £728.36 and 353 monthly payments of £890.83.

The total amount payable would be £363,469.31 made up of the loan amount plus interest (£173,420.20), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 4.1% 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 is3.1% APRC
  • Product periodFixed until 31/08/2024
  • 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 5 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 7 months, would require 65 monthly payments of £3,333.14 and 55 monthly payments of £3,493.03.

The total amount payable would be £408,815.42 made up of the loan amount plus interest (£56,467.90), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.1% 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 is3.9% APRC
  • Product periodFixed until 31/08/2021
  • 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 5 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 7 months, would require 29 monthly payments of £3,333.14 and 91 monthly payments of £3,594.74.

The total amount payable would be £423,827.13 made up of the loan amount plus interest (£71,479.61), an application fee of £180 and a redemption fee of £80.

The overall cost for comparison is 3.9% 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 31/07/2021
  • 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 £528,308.18 made up of the loan amount plus interest (£252,146.32), an application fee of £180 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 31/07/2021
  • 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 £532,660.24 made up of the loan amount plus interest (£256,498.38), an application fee of £180 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 31/07/2021
  • 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 £390,162.42 made up of the loan amount plus interest (£153,449.10), an application fee of £180 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 31/07/2021
  • 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 £393,692.45 made up of the loan amount plus interest (£156,979.13), an application fee of £180 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.