Ten-year fixed-rate mortgages

A ten-year fixed-rate mortgage locks in your interest rate for a full decade, meaning your monthly payments won't change. That's different from variable or tracker mortgages, where payments can rise or fall with the Bank of England's base rate. With a ten-year fix, you get predictability - even if rates fluctuate wildly in the wider economy.

A ten-year fixed-rate mortgage locks in your interest rate for a full decade, meaning your monthly payments won't change. That's different from variable or tracker mortgages, where payments can rise or fall with the Bank of England's base rate. With a ten-year fix, you get predictability - even if rates fluctuate wildly in the wider economy.

A ten-year fixed-rate mortgage locks in your interest rate for a full decade, meaning your monthly payments won't change. That's different from variable or tracker mortgages, where payments can rise or fall with the Bank of England's base rate. With a ten-year fix, you get predictability - even if rates fluctuate wildly in the wider economy.

Yes, you can remortgage before the ten years are up, but it might cost you. Most ten-year fixed-rate mortgages come with early repayment charges (ERCs) if you leave the deal early. These fees can be a percentage of your remaining loan. It's worth checking the small print and speaking to a broker before making changes.

Yes, you can remortgage before the ten years are up, but it might cost you. Most ten-year fixed-rate mortgages come with early repayment charges (ERCs) if you leave the deal early. These fees can be a percentage of your remaining loan. It's worth checking the small print and speaking to a broker before making changes.

Yes, you can remortgage before the ten years are up, but it might cost you. Most ten-year fixed-rate mortgages come with early repayment charges (ERCs) if you leave the deal early. These fees can be a percentage of your remaining loan. It's worth checking the small print and speaking to a broker before making changes.

It depends on your long-term plans. A ten-year fix offers payment stability, which can be great for budgeting, especially if you're just starting out. But if you think you'll move home, change jobs, or need more flexibility, a shorter fix might be better. Consider your lifestyle, shop around, and use our mortgage calculator to discover the overall costs, as well as the maximum loan amount you may be offered.

It depends on your long-term plans. A ten-year fix offers payment stability, which can be great for budgeting, especially if you're just starting out. But if you think you'll move home, change jobs, or need more flexibility, a shorter fix might be better. Consider your lifestyle, shop around, and use our mortgage calculator to discover the overall costs, as well as the maximum loan amount you may be offered.

It depends on your long-term plans. A ten-year fix offers payment stability, which can be great for budgeting, especially if you're just starting out. But if you think you'll move home, change jobs, or need more flexibility, a shorter fix might be better. Consider your lifestyle, shop around, and use our mortgage calculator to discover the overall costs, as well as the maximum loan amount you may be offered.

That's one of the trade-offs. If interest rates fall significantly, you won't benefit from lower mortgage repayments like someone on a variable rate would. But the upside is you're also protected if rates rise. It's something of a gamble either way, so it depends on how much you value stability.

That's one of the trade-offs. If interest rates fall significantly, you won't benefit from lower mortgage repayments like someone on a variable rate would. But the upside is you're also protected if rates rise. It's something of a gamble either way, so it depends on how much you value stability.

That's one of the trade-offs. If interest rates fall significantly, you won't benefit from lower mortgage repayments like someone on a variable rate would. But the upside is you're also protected if rates rise. It's something of a gamble either way, so it depends on how much you value stability.

That's one of the trade-offs. If interest rates fall significantly, you won't benefit from lower mortgage repayments like someone on a variable rate would. But the upside is you're also protected if rates rise. It's something of a gamble either way, so it depends on how much you value stability.

Once the fixed term ends, you'll usually move to your lender's standard variable rate (SVR), which is often higher and can change at any time. To avoid paying more, it's a good idea to start looking at new mortgage deals around six months before your fix ends - either with your current lender or a new one.

Once the fixed term ends, you'll usually move to your lender's standard variable rate (SVR), which is often higher and can change at any time. To avoid paying more, it's a good idea to start looking at new mortgage deals around six months before your fix ends - either with your current lender or a new one.

Once the fixed term ends, you'll usually move to your lender's standard variable rate (SVR), which is often higher and can change at any time. To avoid paying more, it's a good idea to start looking at new mortgage deals around six months before your fix ends - either with your current lender or a new one.

Borrowers can choose equity loans that offer a fixed interest rate for the first ten years. This can apply to help-to-buy equity loans, lifetime mortgages and the like, offering stability and predictability when it comes to your monthly payments.

Borrowers can choose equity loans that offer a fixed interest rate for the first ten years. This can apply to help-to-buy equity loans, lifetime mortgages and the like, offering stability and predictability when it comes to your monthly payments.

Borrowers can choose equity loans that offer a fixed interest rate for the first ten years. This can apply to help-to-buy equity loans, lifetime mortgages and the like, offering stability and predictability when it comes to your monthly payments.