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Market Leading 2 Year Rates

2 Year Fixed Rate Mortgages

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Compare 2 year fixed rate mortgages

    • 4.14% Initial
    • 2 year fixed
    • 7.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.20% Initial
    • 2 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.24% Initial
    • 2 year fixed
    • 7.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.26% Initial
    • 2 year fixed
    • 6.3% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.27% Initial
    • 2 year fixed
    • 6.3% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

How To Get A 2 Year Fixed Rate Mortgage

With uncertainty over interest rates, many people are opting for a 2-year fixed-rate mortgage.

The good news is that 2 year rates are currently very competitive. 

  • Certainty—By locking into a 2-year fixed rate, you can be sure that your monthly repayments will not change.
  • Low rates - 2 year fixed rates are as low now as they have been for a very long time. 
  • Interest-only options - Some lenders are offering 2-year fixed terms on an interest-only or part-and-part basis. This type of arranagement is offered by some lenders if the loan to value (LTV) is lower than a set percentage of the value of the property you are mortgaging.This is typically 75% LTV or less. There are a few lenders that will go up to 85% LTV but you will need to speak to our independent mortgage team to access these rates. Some lenders will require a part interest and part capital repayment strategy for any borrowing over a set limit e.g. 60%. So if you have a 25% equity in your property, a lender may require that 15% of borrowing is on a part and part basis with 60% fully on an interest only basis.
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