Fixed Rate Mortgages

With our Fixed Rate mortgages, your repayments will stay the same during the fixed term period, helping you to plan ahead. No need to worry about interest rates going up, as you can fix the rate for a term between 2 and 10 years. However if interest rates go down you will not receive the benefit of this during the fixed rate period. You should also be aware that some fixed rate mortgages include early repayment charges. After the fixed rate period, your repayments will revert to our standard variable rate.

You can choose from applying online¹ (unless stated below), in branch or over the phone, and can even use our mortgage calculator and get a decision in principle today.

Warning:THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

2 year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/19Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
1.45%**5.44%4.9%65%£499 View
Max loan amount £500,000
1.55%**5.44%4.8%65%£199 View
Fees Assisted / Max loan amount £500,000
1.60%**5.44%4.9%75%£199 View
Fees Assisted / Max loan amount £500,000
1.75%**5.44%4.9%80%£199 View
Fees Assisted / Max loan amount £500,000
1.85%**5.44%4.9%85%£199 View
Fees Assisted / Max loan amount £500,000
2.20%‡5.44%5.0%65%£199 View
Fees Assisted / Min loan amount £50,000 / Max loan amount £500,000 / £1,000 Cashback upon completion
2.24%‡5.44%5.0%75%£199 View
Fees Assisted / Min loan amount £50,000 / Max loan amount £500,000 / £1,000 Cashback upon completion
2.30%‡5.44%5.0%80%£199 View
Fees Assisted / Min loan amount £50,000 / Max loan amount £500,000 / £1,000 Cashback upon completion
2.35%‡5.44%5.0%85%£199 View
Fees Assisted / Min loan amount £50,000 / Max loan amount £500,000 / £1,000 Cashback upon completion
2.65%**5.44%5.1%90%£199 View
Fees Assisted / Max loan amount £400,000

Initial rate fixed up to and inc. 31/01/19Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
3.79%*†5.44%5.3%95%£199 View
Max loan amount £300,000

Initial rate fixed up to and inc. 31/12/18Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
1.19%*5.44%4.8%75%£1499 View
Max loan amount £500,000
1.50%*5.44%4.8%80%£999 View
Max loan amount £500,000
1.60%*5.44%4.9%85%£999 View
Max loan amount £500,000
RATES CORRECT AS AT 17 NOV 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £125,000 payable over 25 years initially on a fixed rate for 2 years at 3.79% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £644.8 and 276 monthly payments of £754.27.

The total amount payable would be £223,888.82 made up of the loan amount plus interest of £98,654.82 and booking fee £0, product arrangement fee £199, valuation fee £0.

The overall cost for comparison is 5.3% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year during the fixed rate period without incurring an Early Repayment Charge.
  • For fixed rate up to and including 28/02/19, Tapered Early Repayment Charges apply for the fixed rate period up to and including 28 Feb 2019.
  • For fixed rate up to and including 31/01/19, Tapered Early Repayment Charges apply for the fixed rate period up to and including 31 Jan 2019.
  • For fixed rate up to and including 31/12/18, Tapered Early Repayment Charges apply for the fixed rate period up to and including 31 Dec 2018.
  • For fixed rate mortgages between 85% LTV and 90% LTV a maximum loan size of £400,000 applies.
  • For fixed rate mortgages between 90% LTV and 95% LTV a maximum loan size of £300,000 applies.
  • Interest calculated daily.
  • These products are not available to interest only applications.

*Free standard valuation up to £999

**Free standard valuation up to £999 and Fees assisted legal services for standard re-mortgages.

† These products are available for purchases only.

‡ Minimum loan £50,000.

3 year Fixed Rate

Initial rate fixed up to and inc. 29/02/20Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
1.65% 5.44%4.6%65%£999 View
Max loan amount £500,000
1.75% 5.44%4.6%80%£999 View
Max loan amount £500,000
1.90% 5.44%4.7%85%£999 View
Max loan amount £500,000
1.90%**5.44%4.6%75%£199 View
Fees Assisted / Max loan amount £500,000
2.05%**5.44%4.7%80%£199 View
Fees Assisted / Max loan amount £500,000
2.14%**5.44%4.7%85%£199 View
Fees Assisted / Max loan amount £500,000
RATES CORRECT AS AT 29 NOV 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £185,000.00 payable over 25 years initially on a fixed rate for 3 years at 1.90% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 22 years would require 36 monthly payments of £774.69 and 264 monthly payments of £1,085.90.

The total amount payable would be £315,936.81 made up of the loan amount plus interest of £129,567.81 and booking fee £0, product arrangement fee £999, valuation fee £335.

The overall cost for comparison is 4.7% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 29 Feb 2020.
  • Interest calculated daily.
  • These products are not available to interest only applications.

**Free standard valuation up to £999 and Fees assisted legal services for standard re-mortgages.

5 Year Fixed Rate

Initial rate fixed up to and inc. 28/02/22Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
1.99% 5.44%4.2%65%£1499 View
Max loan amount £500,000 / £1,000 Cashback upon completion
2.24% 5.44%4.3%80%£1499 View
Max loan amount £500,000 / £1,000 Cashback upon completion
2.15% 5.44%4.2%75%£1999 View
Max loan amount £1,250,000 up to 65% LTV or £1,000,000 up to 75% LTV
2.25% 5.44%4.3%80%£1999 View
Max loan amount £750,000
1.90% 5.44%4.2%65%£999 View
Max loan amount £500,000
1.99% 5.44%4.2%75%£999 View
Max loan amount £500,000
2.15% 5.44%4.3%80%£999 View
Max loan amount £500,000
2.30% 5.44%4.3%85%£999 View
Max loan amount £500,000
2.19%**5.44%4.3%75%£199 View
Fees Assisted / Max loan amount £500,000
2.05%**5.44%4.2%65%£199 View
Fees Assisted / Max loan amount £500,000
2.35%**5.44%4.3%80%£199 View
Fees Assisted / Max loan amount £500,000
2.50%**5.44%4.4%85%£199 View
Fees Assisted / Max loan amount £500,000
RATES CORRECT AS AT 08 NOV 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 5 years at 2.50% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 20 years would require 60 monthly payments of £672.44 and 240 monthly payments of £868.25.

The total amount payable would be £248,959.10 made up of the loan amount plus interest of £98,725.10 and booking fee £0, product arrangement fee £199, valuation fee £0.

The overall cost for comparison is 4.4% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

  • No Higher Lending Charge
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply for the fixed rate period up to and including 28 Feb 2022.
  • Interest calculated daily.
  • These products are not available to interest only applications.

**Free standard valuation up to £999 and Fees assisted legal services for standard re-mortgages.

Flexible 10 Year Fixed Rate

Initial rate fixed up to and inc. 31/03/27Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
2.99% 5.44%3.7%65%£999 View
Max loan amount £500,000

10 year Fixed Rate

Initial rate fixed up to and inc. 31/03/27Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
2.79% 5.44%3.7%65%£999 View
Max loan amount £500,000

Initial rate fixed up to and inc. 28/02/27Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Arrangement Fee
3.19% 5.44%4.1%75%£199 View
Fees Assisted / Max loan amount £500,000
3.39% 5.44%4.2%80%£199 View
Fees Assisted / Max loan amount £500,000
3.75% 5.44%4.4%85%£199 View
Fees Assisted / Max loan amount £500,000
RATES CORRECT AS AT 01 DEC 2016

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £95,000.00 payable over 25 years initially on a fixed rate for 10 years at 3.75% and then on our current Standard Variable Rate of 5.69% (variable) for the remaining 15 years would require 120 monthly payments of £487.98 and 180 monthly payments of £554.89.

The total amount payable would be £158,671.17 made up of the loan amount plus interest of £63,437.17 and booking fee £0, product arrangement fee £199, valuation fee £0.

The overall cost for comparison is 4.4% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product arrangement fee is payable on application but is refundable should the mortgage not complete. A redemption fee of £199 will apply.

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge (unless otherwise specified).
  • For fixed rates up to and including 31/03/2027, Tapered Early Repayment Charges apply up to and including 03 Mar 2027 (unless otherwise specified).
  • For fixed rates up to and including 28/02/2027, Tapered Early Repayment Charges apply up to and including 30 Nov 2026.
  • Interest calculated daily.
  • These products are not available to interest only applications.

**Free standard valuation up to £999 and Fees assisted legal services for standard re-mortgages.

†Tapered Early Repayment Charges apply up to and including 31 Jan 2022. From 01/02/2022, Unlimited Capital Repayments are allowed and No Early Repayment Charges apply.

¹If you apply for a mortgage online you will not receive advice from Leeds Building Society. You will need to make your own choice about which mortgage is suitable for you and we will not assess the suitability of that mortgage to your needs and circumstances. You will not benefit from the protections offered by an advised service. This is called an execution only transaction. If you would like to receive advice from us please call into one of our branches (find a branch) or contact us on 03450 50 50 75 .