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What is a fixed rate mortgage?
These mortgages have an interest rate that’s fixed for a set time, usually 2 or 5 years. That means your monthly payments won’t change during this time.
When your fixed rate deal ends, you’ll move onto our Standard Variable Rate, unless you switch to a new deal.
Find out what to do when your deal is ending
Fixed rate benefits
- Repayments stay the same throughout your fixed rate deal
- Your rate won’t change, even if the Bank of England base rate goes up
- Knowing what you’ll pay each month can help you manage your finances
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Mortgages are secured on your home. Applicants must be 18 or over. All loans are subject to status.
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Compare mortgage ratesGot a question?
Our mortgage range is currently only available to existing mortgage customers.
We offer fixed, discounted, offset and variable rate mortgages. The exact rate offered is dependent on the mortgage product you choose. View our range of mortgages.
If your fixed rate or discounted rate period is coming to an end we will contact you by post at least 4 months before your deal ends to let you know. If you choose not to take any action your mortgage will move onto a variable rate product, this rate may differ depending on the mortgage deal you originally agreed. If you are looking to arrange a new fixed or discounted rate deal you can do this by going online to switch to a new deal.
The process takes around 10 minutes of your time, or if you need to speak someone you can call 0800 022 4313 and one of our Contact Centre colleagues will be here to help you Monday, Tuesday, Thursday and Friday 9am to 5pm. Wednesday 9.45am to 5pm.
Please note: If you have built up a redraw facility on your mortgage as a result of lump sum credits and/or regular overpayments access to this will cease upon transferring to a new deal.
You can check if early repayment charges apply to your mortgage by referring to your original mortgage offer document or by giving us a call on 0800 121 4203 where one of our advisors will be happy to help.