Compare 1 Year Fixed Rate Mortgages

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  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.84% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £554.51
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.84% Fixed to 02/12/2023
    • APRC
      2.70%
    • Product Fee
      £749
    • Monthly Repayment
      £554.51
    Continue on Fluent Mortgages' website + More info
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.84% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £554.51
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.86% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £555.85
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.87% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £556.53
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.87% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £556.53
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £557.20
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £557.20
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £557.20
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £557.20
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.89% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Initial Rate
      0.89% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed to 02/12/2023
    • APRC
      2.70%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.90% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £558.54
    Continue on Halifax's website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.90% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £558.54
    Continue on Halifax's website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      0.90% Fixed to 31/10/2023
    • APRC
      3.60%
    • Product Fee
      £1,495
    • Monthly Repayment
      £558.54
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      0.90% Fixed to 31/10/2023
    • APRC
      3.30%
    • Product Fee
      £1,495
    • Monthly Repayment
      £558.54
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £559.89
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £559.89
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.93% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £560.57
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.93% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £560.57
  • Click here to see 1 similar product
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.93% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £560.57

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 01 February 2021.

One-Year Fixed Rate Mortgages FAQ

What is a one-year fixed rate mortgage?

A one-year fixed rate mortgage allows consumers to take out a mortgage and lock in a specific rate of interest on their monthly repayments for that term. Once the term expires, the mortgage interests reverts to the lenders standard variable rate interest, unless you take out a new fixed rate deal. However, one year fixed rates are almost non-existent, with most deals offered starting at 2 years.

Why fix a mortgage rate?

Fixed mortgages are an option for borrowers who wish to keep a lid on costs and have a fixed idea of what they need to repay, if they wish to set up a predictable payment plan. It means your repayment plan is unaffected, at least for the duration of the deal, even if interest rates suddenly rise, which could save you money.

Can I repay early on a fixed rate mortgage?

It should be possible to be possible to repay the mortgage early. However, almost certainly you will be charged a fee if you clear the mortgage before the fixed term is over. These can be hefty so make sure you are clear on what these are before you take the mortgage out.

What disadvantage does a fixed rate mortgage have?

One disadvantage is that if rates fall in other parts of the market after you go for one particular product, you could end up paying more than you would have been paying through a tracker mortgage, for example.

What if I want to move before my mortgage deal is finished?

You should check that your mortgage is portable if you move with the deal period. Remember that you will still need to apply for a mortgage under your lender, but if all successful, you should be able to take your deal with you. If you have to close the mortgage to move, you will be subject to early repayment charges.

What happens if I do nothing when the term ends?

If you simply come to the end of a fixed-term mortgage without having made prior arrangements, you would be switched onto your provider’s Standard Variable Rate or SVR. It serves as the provider’s effective default rate, and is variable, which means your repayments can fluctuate.