Compare 10 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
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      0.89% Fixed for 3 years
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed for 3 years
    • APRC
      2.90%
    • 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
      3.30%
    • 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
      3.60%
    • Product Fee
      £1,495
    • Monthly Repayment
      £558.54
    Continue on Fluent Mortgages' website + More info
  • HSBC's logo'

    HSBC 5 Year Fixed

    • Initial Rate
      0.91% Fixed to 30/11/2026
    • APRC
      2.60%
    • Product Fee
      £1,499
    • Monthly Repayment
      £559.22
  • 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

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 04 March 2021.

10 Year Fixed-Rate Mortgages FAQ

What is a 10-year fixed rate mortgage?

A typical 10-year fixed rate mortgage allows borrowers to take out a mortgage where interest is fixed for an entire decade before reverting to a variable rate of interest.

Why do people seek fixed rate deals?

Fixed rate mortgages are often ideal for those just starting to climb the housing ladder and who might have tighter cash flow. Fixing interest for a number of years keeps rates stable, making the cost of monthly repayments easier to predict.

Is a 10-year fixed rate higher than a 5-year one?

Yes. Fixing rates for longer periods of time entails greater risk to the provider, so they will be inclined to charge a higher rate of interest to mitigate that.

Are there additional costs to consider?

Yes. Some providers waive certain fees, but others will charge admin and valuation fees on properties, highlighting the importance of always checking terms and conditions, as providers have different requirements.

How do I find the best 10-year fixed rate mortgages?

NerdWallet provides comparisons for 10-year fixed rate mortgages. We offer this service to consumers so they can determine which mortgages of this variety have the most affordable rates, valuable incentives and best deals.

What incentives do providers offer?

Incentives can include one-off cash injections early on from your provider, in the form of cashback. This lump sum is paid for using interest you have already paid, helping boost cash flow should you require it.

Can I start paying my mortgage off more quickly?

Some providers offer sizeable overpayment allowances, so you can repay your mortgage ahead of time, to a certain extent, which can vary depending on the provider. This reduces future payments, saving you money.

What is an early repayment charge?

Early repayment charges are penalties charged by providers when you overpay beyond the limits set by your provider. The rate of an ERC depends on the provider, so always check terms and conditions before applying.

What is APRC?

On any mortgage product, the annual percentage rate of charge helps determine the overall cost. This metric factors in interest as well as additional fees and charges, allowing you to make an easy comparison between various mortgage deals.

Can I fix a new rate when one term ends?

Yes. You may wish to renew a fixed term in order to keep interest payments stable over time. The process of fixing a new rate with your existing lender doesn’t take much time, allowing you to continue with a repayment plan that best suits your needs.

Why might I consider a fixed-rate deal for as long as a decade?

All customers apply for mortgages under different circumstances, with widely differing requirements. If you suspect that cash flow is tighter and you’re looking for ways to spread out the cost or freeze interest at an affordable rate for longer, a 10-year fixed rate could prove more affordable.