Fixed-Rate Mortgages
Lock today’s rate for 2, 5, or 10 years and forget about base rate headlines.
Why fixed-rate?
Fixed-rate mortgages give you certainty over your monthly payments for a set period, typically two, three, five, or ten years. During the fixed period, your interest rate stays the same regardless of what happens to the Bank of England base rate, making budgeting straightforward and protecting you from rate rises. Try our [repayment calculator](/calculators/repayment) to see what your monthly payments could look like on a fixed deal.
Fixed rates are the most popular mortgage type in the UK, chosen by the majority of borrowers. The length of fix you choose depends on your plans, your appetite for risk, and the current interest rate environment. Shorter fixes tend to have lower initial rates but expose you to rate changes sooner.
At Clearview Mortgage Solutions, we compare fixed-rate deals across the whole market to find the right balance of rate, term, and flexibility for your circumstances. Whether you are buying your first home or remortgaging from an existing deal, our advisers will explain your options clearly.
Key facts
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UK lenders compared
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our fixed-rate calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Fixed-Rate mortgages
A guide to fixed-rate mortgages
How fixed-rate mortgages work, what happens when the fix ends, and why most UK borrowers choose them.
ReadChoosing a fix length
Comparing 2, 3, 5, and 10-year fixes to help you decide which term suits your plans and budget.
ReadWhen to remortgage from a fix
How to time your remortgage, what to do when your fixed rate ends, and how to avoid falling onto the SVR.
Read
Frequently asked.
When your fixed period ends, your mortgage reverts to the lender’s standard variable rate (SVR), which is typically much higher. To avoid paying more than necessary, you should arrange a new deal before or shortly after the fix expires. Most borrowers remortgage onto a new fixed or tracker rate, either with their current lender or a new one.
Talk to a specialist.
fixed-rate mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.