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Fixed rate mortgages
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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.
With our fixed rate mortgages you’ll get:
A range of fixed rate periods, from two, five and ten years.
The comfort of knowing how much you’re paying each month during the fixed rate period.
The option to borrow up to 90% of the value of your home.
The flexibility to overpay by up to 10% per year without incurring an early repayment charge (or up to 5% per year on our 10-year fixed rate mortgage) during the fixed rate period. There will be an early repayment charge on the balance paid if the mortgage is repaid in whole, part or 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 with you when you move.
Give us a call if you want to chat about mortgages
Call us on
0800 316 5500*
Or would you prefer us to call you?
Your home may be repossessed if you do not keep up repayments on your mortgage.
Selection of our current fixed rate mortgages
| Product | Interest rate | The overall cost for comparison is | Application fee | How much can I borrow? | Early repayment charge |
Find out more or apply | |
|---|---|---|---|---|---|---|---|
| Initial | Following on to | ||||||
2 Year Fixed¹ |
5.49% until 31/07/2010 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.1% APR | £995† | Up to 60% of the value of your home | 3% of the balance repaid until 31/07/2010 | Call 0800 316 5500* for Fixed rate mortgages |
2 year fixed¹ |
5.99% until 31/07/2010 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.2% APR | £995† | Up to 80% of the value of your home | 3% of the balance repaid until 31/07/2010 | Call 0800 316 5500* for Fixed rate mortgages |
2 year fixed |
6.69% until 31/07/2010 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.4% APR | £995† | Up to 90% of the value of your home | 3% of the balance repaid until 31/07/2010 | Call 0800 316 5500* for Fixed rate mortgages |
2 year fixed |
6.99% until 31/07/2010 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.3% APR | No Fee | Up to 90% of the value of your home | 3% of the balance repaid until 31/07/2010 | Call 0800 316 5500* for Fixed rate mortgages |
5 year fixed |
5.99% until 31/07/2013 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.2% APR | £995† | Up to 60% of the value of your home | 3% of the balance repaid until 31/07/2013 | Call 0800 316 5500* for Fixed rate mortgages |
5 Year Fixed |
6.29% until 31/07/2013 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.4% APR | £995† | Up to 80% of the value of your home | 3% of the balance repaid until 31/07/2013 | Call 0800 316 5500* for Fixed rate mortgages |
5 year fixed |
6.49% until 31/07/2013 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.5% APR | £995† | Up to 90% of the value of your home | 3% of the balance repaid until 31/07/2013 | Call 0800 316 5500* for Fixed rate mortgages |
5 year fixed |
6.99% until 31/07/2013 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.6% APR | No Fee | Up to 90% of the value of your home | 3% of the balance repaid until 31/07/2013 | Call 0800 316 5500* for Fixed rate mortgages |
10 Year Fixed |
5.59% until 31/07/2018 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 5.9% APR | £995† | Up to 60% of the value of your home | 6% of the balance repaid until 31/07/2018 | Call 0800 316 5500* for Fixed rate mortgages |
10 Year Fixed |
6.19% until 31/07/2018 | BBBR + 0.95%, currently 5.95%, variable for the remaining term of the mortgage | 6.4% APR | £995† | Up to 90% of the value of your home | 6% of the balance repaid until 31/07/2018 | Call 0800 316 5500* for Fixed rate mortgages |
¹ Only available through Barclays branches or Barclays Direct
BBBR = Barclays Bank Base Rate, which is currently 5.00% (Effective 11 April 2008).
† Where an existing customer switches to a new mortgage rate, a rate switch fee of £100 would also apply.
Please refer to our tariff of charges for full details of fees associated with our mortgages. These should be read in conjunction with our legal information.
