Fixed Rate Mortgages

With our Fixed Rate Mortgages, your repayments will stay the same during the fixed term period, helping you to plan ahead. You can fix the rate for a term between 2 and 5 years. After the fixed rate period ends, your repayments will revert to our Standard Variable Rate (SVR).

These Fixed Rate Mortgages are for people who are moving home or looking to remortgage. Have a look through our broad range for key features and details.

Not remortgaging or moving home? Look at our First Time Buyer Mortgages

Other mortgages

Income Plus

Our Income Plus mortgages could help you go further, with the potential to borrow more if it's right for you.

Reach

We may offer you a Reach mortgage. These are designed to bring home ownership within reach of more people who may otherwise face barriers to buying a home.

Your property could be repossessed if you don't keep up your mortgage repayments.

Legal Assisted 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2028Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.13% 7.74%7.4%65%£0 View
Max loan amount £2,000,000
5.16% 7.74%7.4%75%£0 View
Max loan amount £2,000,000
5.29% 7.74%7.5%80%£0 View
Max loan amount £1,000,000
5.19% 7.74%7.5%85%£999 View
Max loan amount £1,000,000
5.34% 7.74%7.5%85%£0 View
Max loan amount £1,000,000
5.40% 7.74%7.5%90%£999 View
Max loan amount £700,000
5.55% 7.74%7.5%90%£0 View
Max loan amount £700,000

Home Mover Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2028Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.47% 7.74%7.6%95%£999 View
Max loan amount £600,000
5.69% 7.74%7.6%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 17 april 2026

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.69% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 23 years would require 24 monthly payments of £1124.71 and 276 monthly payments of £1343.02.

The total amount payable would be £397,701.56 made up of the loan amount plus interest of £217,666.56 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.6% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

Legal Assisted 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2029Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.45% 7.74%7.3%90%£0 View
Max loan amount £700,000

Home Mover Only 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2029Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.59% 7.74%7.4%95%£999 View
Max loan amount £600,000
5.85% 7.74%7.4%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 14 april 2026

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.85% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 22 years would require 36 monthly payments of £1142.11 and 264 monthly payments of £1337.55.

The total amount payable would be £394,264.16 made up of the loan amount plus interest of £214,229.16 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.4% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

Legal Assisted 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.00% 7.74%6.7%75%£0 View
Max loan amount £2,000,000
5.09% 7.74%6.8%80%£0 View
Max loan amount £1,000,000
5.00% 7.74%6.8%85%£999 View
Max loan amount £1,000,000
5.15% 7.74%6.8%85%£0 View
Max loan amount £1,000,000
5.25% 7.74%6.9%90%£999 View
Max loan amount £700,000
5.30% 7.74%6.9%90%£0 View
Max loan amount £700,000

Home Mover Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.44% 7.74%7.0%95%£999 View
Max loan amount £600,000
5.54% 7.74%7.0%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 14 april 2026

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.54% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 20 years would require 60 monthly payments of £1108.52 and 240 monthly payments of £1317.51.

The total amount payable would be £382,748.60 made up of the loan amount plus interest of £202,713.60 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.0% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 505 062.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.

Book an appointment online