Fixed-Rate Mortgages
Lock today’s rate for 2, 5, or 10 years and forget about base rate headlines.
Why fixed-rate?
A fixed-rate mortgage locks your monthly payment in place for a set period, usually two, three, five, or ten years. Whatever the Bank of England does to its base rate during that time, your interest rate does not move, so you know exactly what leaves your account each month and a rate rise cannot catch you out. Our [repayment calculator](/calculators/repayment) shows what your monthly payments could look like on a fixed deal.
Fixed rates are the most popular mortgage type in the UK, and the majority of borrowers choose one. How long to fix for depends on your plans and how much certainty you want against the way rates are moving. A shorter fix usually comes with a lower starting rate, but it leaves you exposed to rate changes sooner.
At Clearview Mortgage Solutions we compare fixed-rate deals across the whole market to find the best fixed-rate mortgage for you, weighing the rate against the term length and how much flexibility each deal allows. Whether you are buying your [first home](/mortgage-types/first-time-buyer-mortgages) or [remortgaging](/mortgage-types/remortgage-mortgages) from an existing deal, your adviser will talk you through the options.
Key facts
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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
A look at 2, 3, 5, and 10-year fixes so you can 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 moves to the lender’s standard variable rate (SVR), which is usually much higher. Arrange a new deal before or soon after the fix expires so you do not pay more than you need to. Most borrowers remortgage onto a fresh fixed or tracker rate, 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.
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Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.