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Rate type Any Fixed Discounted Tracker. Payment type Repayment Interest only.

Discount Variable Home Loan

How would you like to repay? Repayment Interest only. Update results. Edit mortgage details. We found mortgages for you. Initial rate 1. APRC 5. At end of initial period mortgage reverts to Standard Variable Rate currently 5. APRC 3. At end of initial period mortgage reverts to Standard Variable Rate currently 4. APRC 4. Must already have a mortgage with Platform. Must already have a mortgage with Barclays Bank. Show 10 more mortgages. What is remortgaging? Why do people remortgage?

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The two most popular reasons why people choose to remortgage are: To save money - in order to lower monthly repayments or benefit from lower interest rates. More than half of all borrowers in the UK are currently paying more than they need to on their mortgage. To raise money - to release some of the equity in your home. This could be useful if you wanted to consolidate debts or release money for making home improvements and adding value to your property. However, there is also the possibility of doing this with your current mortgage lender, with the added benefit of avoiding any penalty fees that come with switching to a new lender.

Who can remortgage? When is a good time to remortgage?

5-Year Fixed Mortgage Rates

How long does remortgaging take? Will remortgaging cost me anything in fees?

  • Compare 5 year fixed mortgages!
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  • Compare our best 5 year fixed rate mortgages!
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  • How do I find the best remortgage deals? Fixed rate mortgages are good if you want the security of knowing what your monthly repayments will be, but homeowners will not benefit from any potential drop in interest rates. Remember that if you add any of the fees to your mortgage, you will pay interest on them, which will increase your monthly repayments.

    Top 10 Best 5 Year Fixed Rate Mortgages - From % APRC |

    You can use the mortgage comparison table at the top of this page to find the best 5 year fixed rate mortgage for your financial situation. Mortgages are complex products: read our mortgage guide to learn about all the fees, charges and gotchas to watch out for when comparing mortgages. If you're not sure that a 5 year fix is the right mortgage for you, use these mortgage comparison pages find other fixed rate mortgages:.

    The main advantage of a 5 year fixed rate mortgage is knowing that your monthly repayments will stay the same for 5 years. The disadvantage is that you lose some flexibility. If the Bank of England reduces the base rate, you'll be stuck on a higher rate of interest until the end of your fixed term. If you repay your mortgage entirely within 5 years - normally by remortgaging - you will be hit by a hefty early repayment charge ERC.

    The ERC varies between mortgages, but it's usually a few percent of your total mortgage loan. This will be thousands of pounds unless you have a very small mortgage. There is usually a limit on how much you can overpay on your mortgage per year.

    2 Year Mortgage Strategy - Why it beats the 5 year fixed and variable

    If you overpay too much, you could be charged a big fee. If you plan to move house within the next 5 years, make sure you get a portable mortgage. You can take a portable mortgage with you. If you don't get a portable mortgage , you'll have to pay the ERC. If you repay your mortgage entirely - normally by remortgaging or switching - before the end of the 5 year period, you will be charged an early repayment charge ERC.

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    With all that said, 5 year fixed rate mortgages are very popular right now. The interest rate is still fairly low about 2. Make sure you fully educate yourself before getting a long fixed rate mortgage. Try to think long term: will your personal and financial situations be the same 5 years from now? There are no particular criteria for obtaining a 5 year fixed rate mortgage.

    As of July , the average 5 year fixed rate mortgage interest rate is around 2. Between 3 and 6 months before your fixed rate mortgage ends, you should look into remortgaging and locking in a lower interest rate. The longest fixed-rate mortgage deal in the UK is 10 years. You will pay a pretty hefty premium for financial security, though: the interest rate is usually about 0. Over 10 years, that will likely mean thousands of pounds in extra interest payments. It all comes down to whether you need the financial security of a 5 year fixed rate mortgage.

    Better interest rates are certainly available if you can live with a 2 year fixed rate mortgage or a tracker or discount rate mortgage. Did you find this useful? Last updated: 18 July, All rights reserved. Bankrate is a trading name of uSwitch Limited, registered in England and Wales company number Bankrate services are provided at no cost to you, but we may receive a commission from the companies to which we refer you. About Us. Contact Us. Media Centre. Privacy Policy. Terms of Use. Modern Slavery Statement. Acceptable Use Policy. United Kingdom. We use cookies to enhance your experience with our tools and services.

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    Popularity of 5-year fixed mortgage rates

    Help to Buy calculator Mortgage repayment calculator Stamp duty calculator Mortgage calculator - borrowing, repayments, stamp duty. Remortgage Remortgage. Remortgaging Guides When is the right time to remortgage? How to choose the right mortgage Mortgages - guides, calculators, FAQs Should you do up your home or move? Mortgage repayment calculator Mortgage calculator - borrowing, repayments, stamp duty. Moving House Moving House.


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