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'Fixed rate' mortgages

Our 'fixed rate' mortgages give you the security of a set monthly repayment for a specific period, regardless of how interest rates perform. Perfect if you’re planning ahead or working to a budget.

Selected new fixed-rate mortgages are now available with as little as 10% deposit, and they give you the flexibility to overpay (up to 10% per year for fixed-rate and up to 5% on our 10-year fixed-rate mortgages).
'Fixed rate' mortgages
With our 'fixed rate' mortgages you’ll get:
A range of 'fixed rate' periods, from two to ten years (subject to availability)
The comfort of knowing how much you’re paying each month during the 'fixed rate' period.
The flexibility to overpay (up to 10% per year for fixed-rate and up to 55 on our 10-year fixed-rate mortgages). There will be an early repayment charge on the balance paid if the mortgage is repaid in whole, in part or is transferred to another scheme during the fixed-rate period.
After the 'fixed rate' mortgage period ends you will revert to a variable interest rate which tracks the Barclays Bank Base Rate (BBBR).
Application fees may apply.
The convenience of a portable mortgage, allowing you to take your mortgage rate with you when you move.

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