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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 online** (unless stated below) 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. 31/12/21Then changing to the Society's SVR less a discount of 1.25%, up to and inc. 31/12/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
1.74% 4.44%5.69%4.8%80%£999 View
Max loan amount £750,000
1.79% 4.44%5.69%4.8%85%£999 View
Max loan amount £500,000

Legal Assisted 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/12/21Then changing to the Society's SVR less a discount of 1.25%, up to and inc. 31/12/2024, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
1.62% 4.44%5.69%4.8%75%£999 View
Max loan amount £1,000,000
2.20% 4.44%5.69%4.9%85%£0 View
Max loan amount £500,000
2.80% 4.44%5.69%5.0%90%£0 View
Max loan amount £400,000
RATES CORRECT AS AT 11 october 2019

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

Representative Example

A mortgage of £170,000.00 payable over 25 years initially on a fixed rate for 2 years at 2.80% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £787.97, 36 monthly payments of £927.24 and 240 monthly payments of £1,029.13.

The total amount payable would be £299,283.29 made up of the loan amount plus interest of £129,283.29 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.0% 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 fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • 10% capital repayments are allowed each year during the fixed rate period without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply.
  • Interest calculated daily.
  • Free standard valuation up to £999
  • These products are not available to interest only applications

Legal Assisted 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/11/22Then changing to the Society's SVR less a discount of 1.25%, up to and inc. 30/11/2024, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
1.79% 4.44%5.69%4.7%75%£999 View
Max loan amount £1,000,000
2.15% 4.44%5.69%4.7%85%£999 View
Max loan amount £500,000
2.49% 4.44%5.69%4.8%90%£999 View
Max loan amount £400,000
RATES CORRECT AS AT 30 august 2019

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

Representative Example

A mortgage of £130,000.00 payable over 25 years initially on a fixed rate for 3 years at 2.49% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 2 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 36 monthly payments of £582.13, 24 monthly payments of £702.21 and 240 monthly payments of £779.37.

The total amount payable would be £225,892.44 made up of the loan amount plus interest of £94,858.44 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 4.8% 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 fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply.
  • Interest calculated daily.
  • Free standard valuation up to £999
  • These products are not available to interest only applications.

5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/12/2024Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
1.89% 5.69%4.3%75%£999 View
Max loan amount £1,000,000
2.04% 5.69%4.3%80%£999 View
Max loan amount £750,000
2.14% 5.69%4.4%85%£999 View
Max loan amount £500,000
2.34% 5.69%4.4%90%£999 View
Max loan amount £400,000
2.54% 5.69%4.5%90%£999 View
Max loan amount £400,000
2.74% 5.69%4.6%90%£0 View
Max loan amount £400,000

Legal Assisted 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/12/2024Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.23% 5.69%4.4%80%£0 View
Max loan amount £500,000
2.39% 5.69%4.4%85%£0 View
Max loan amount £500,000

Purchase Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/12/2024Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
3.49% 5.69%4.8%95%£0 View
Max loan amount £300,000 / Min loan amount £50,000 / £500 Cashback upon completion
RATES CORRECT AS AT 11 october 2019

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

Representative Example

A mortgage of £120,000.00 payable over 25 years initially on a fixed rate for 5 years at 3.49% and then on our current Standard Variable Rate of 5.69% (variable) for the remaining 20 years would require 60 monthly payments of £599.58 and 240 monthly payments of £722.75.

The total amount payable would be £209,469.37 made up of the loan amount plus interest of £89,434.37 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 4.8% 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 fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • These products are not available to interest only applications.

Legal Assisted 10 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/11/29Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.49% 5.69%3.6%75%£999 View
Max loan amount £1,000,000
2.59% 5.69%3.6%75%£0 View
Max loan amount £1,000,000
RATES CORRECT AS AT 30 august 2019

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

Representative Example

A mortgage of £80,000.00 payable over 25 years initially on a fixed rate for 10 years at 2.59% and then on our current Standard Variable Rate of 5.69% (variable) for the remaining 15 years would require 120 monthly payments of £362.26 and 180 monthly payments of £446.30.

The total amount payable would be £123,841.38 made up of the loan amount plus interest of £43,806.38 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 3.6% 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 fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge (unless otherwise specified).
  • Tapered Early Repayment Charges apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.

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  • Extra help and guidance

    If you want help and support with your application call a Mortgage Assistant

    03450 50 50 62(press option 2)

  • Talk to an expert now

    When you're ready to apply for a mortgage, call to request to speak to a Mortgage Consultant

    03458 48 00 26 (press option 1)

** If 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. If you would like to receive further guidance please contact us.
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