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10 Year Fixed Rate Mortgages Call Now 0117 313 7780

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1.22% 2 Year Fixed 

  • Overall cost for comparison 3.80% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years.Rate fixed for 2 years after which reverts to Post Office variable rate of 4.24%.

Call Post Office on 0808 179 6813

2.29% 5 Year Fixed 

  • Overall cost for comparison 3.90% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Yorkshire Bank variable rate of 4.70%.

10 Year Fixed Rate Mortgages

Compare 10 Year Fixed Rate Mortgages - search a range of mortgage deals for first time buyers, people moving home and for those looking to remortgage.

 

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.39%
Rate type: Fixed Oct-2027
Monthly cost: £447.52 per month
Max LTV: 60%
Product fee: £1114.00
Overall cost for comparison: 3% APRC
Barclays Bank logo 2.39% Fixed Oct-2027 3% APRC 60% £1114.00 £447.52 per month get quotes Call direct0117 313 7780
Initial rate: 2.49%
Rate type: Fixed 10 years
Monthly cost: £448.11 per month
Max LTV: 60%
Product fee: £0
Overall cost for comparison: 2.8% APRC
First Direct logo 2.49% Fixed 10 years 2.8% APRC 60% £0 £448.11 per month get quotes
Initial rate: 2.49%
Rate type: Fixed Oct-2027
Monthly cost: £452.59 per month
Max LTV: 60%
Product fee: £1114.00
Overall cost for comparison: 3% APRC
Barclays Bank logo 2.49% Fixed Oct-2027 3% APRC 60% £1114.00 £452.59 per month get quotes Call direct0117 313 7780
Initial rate: 2.59%
Rate type: Fixed Oct-2027
Monthly cost: £454.30 per month
Max LTV: 70%
Product fee: £365.00
Overall cost for comparison: 3% APRC
Barclays Bank logo 2.59% Fixed Oct-2027 3% APRC 70% £365.00 £454.30 per month get quotes Call direct0117 313 7780
Initial rate: 2.99%
Rate type: Fixed 10 years
Monthly cost: £478.52 per month
Max LTV: 60%
Product fee: £1084.00
Overall cost for comparison: 3.4% APRC
Nationwide BS logo 2.99% Fixed 10 years 3.4% APRC 60% £1084.00 £478.52 per month get quotes
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

10 Year Fixed Rate Mortgages

Our Mortgage Service - Why choose us?

Special features of what we offer include:

  • Get the best 2 year fixed mortgage deals in the UK
  • Whole of market service - we work with most UK lenders
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your 2 year fixed rate mortgage options call our mortgage team on 0117 313 7780 or fill in our call back form.

10 year fixed rate mortgages

10 year fixed rate mortgages

Ten year fixed rate mortgage may not be as common as their two, three and five year counterparts, but they are still available if you know where to look. This could be welcome news for those buyers who wish to fix for a longer period of time giving them the certainty of what their monthly payments will be for the duration of their loan. Longer mortgage deals are certainly more common in the USA and in the rest of Europe than in the UK, and the security they offer could prove a popular choice. However, there are pros and cons to a ten year fixed rate mortgage, as with any mortgage deal.

Potential advantages of a 10 year fixed rate mortgage

  • The chance to lock into record low mortgage rates – the UK is currently experiencing a record low Base Rate of 0.5%, continuous since March 2009. With the recent demise of the Government’s Funding for Lending Scheme – which many believe to have been one of the key factors in keeping rates low – it’s possible that rates may start to go up, making the opportunity to take advantage of this historic low rate for the next decade seem an increasingly attractive move.
  • Long-term peace of mind - knowing that what you'll pay each month will remain constant is not only reassuring, but is also helpful for budgeting and financial planning.
  • Potential to save on the cost of remortgaging – with shorter fixed rate deals you might find you need to remortgage as they end and cease to be competitive, and this can be a costly and time consuming process.

Potential disadvantages of a 10 year fixed rate mortgage

  • A long term commitment – while predicting your circumstances in two years’ time may seem straightforward, how many of us can accurately predict what we will be doing ten years from now? You will have to think about any major lifestyle or financial changes you may go through in the next 10 years that could affect your ability to repay. For example, are you likely to start a family, change careers or retire in the next decade?
  • Cost of getting a decade-long fixed rate – because these mortgage deals offer a sense of long-term security, they can cost more at the outset and in terms of monthly repayments than shorter fixed or variable rate mortgages. You will need to weigh up the overall costs over ten years to decide if this is financially worthwhile for you.
  • High Early Repayment Charges – ten year fixed rates may come with substantial ERCs which could present a problem if, for example, you need to move to a bigger house for example as your family expands. 
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