Mortgages
2 Year Fixed Rate Mortgages

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TSB 2 Year Fixed

Initial Rate
1.04% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£1,495
Monthly Repayment
£568.03

Continue on Fluent Mortgages' website + More Info

Lender:
TSB
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£5,000
Max Loan:
£1,000,000
Product Description:
1.04% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£568.03 x 27
Ongoing Monthly Payments:
£740.64 x 273
Total Amount Payable:
£219,026.53
Total Interest Payable:
£67,531.53
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

Halifax 2 Year Fixed

Initial Rate
1.08% Fixed to 31/08/2023
APRC
3.50%
Product Fee
£995
Monthly Repayment
£570.76

Continue on Fluent Mortgages' website + More Info

Lender:
Halifax
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.08% Fixed to 31/08/2023
Incentives:

Initial Monthly Repayment:
£570.76 x 27
Ongoing Monthly Payments:
£740.94 x 273
Total Amount Payable:
£219,682.14
Total Interest Payable:
£67,687.14
Valuation Fee:
£200
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Mortgage Advance

Halifax 2 Year Fixed

Initial Rate
1.08% Fixed to 31/08/2023
APRC
3.50%
Product Fee
£995
Monthly Repayment
£570.76

Continue on Fluent Mortgages' website + More Info

Lender:
Halifax
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
0%
Max Remortgage LTV:
0%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.08% Fixed to 31/08/2023
Incentives:

Initial Monthly Repayment:
£570.76 x 27
Ongoing Monthly Payments:
£740.94 x 273
Total Amount Payable:
£219,682.14
Total Interest Payable:
£67,687.14
Valuation Fee:
£200
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Mortgage Advance

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Santander 2 Year Fixed

Cashback Available

Initial Rate
1.10% Fixed to 02/08/2023
APRC
2.80%
Product Fee
£999
Monthly Repayment
£572.12

Continue on Fluent Mortgages' website + More Info

Lender:
Santander
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£6,000
Max Loan:
£1,500,000
Product Description:
1.10% Fixed to 02/08/2023
Incentives:
Free valuation admin fees England, Wales, Northern Ireland
£250 cashback On Completion or free legal fees
free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

Initial Monthly Repayment:
£572.12 x 26
Ongoing Monthly Payments:
£724.24 x 274
Total Amount Payable:
£214,540.88
Total Interest Payable:
£63,316.88
Valuation Fee:
Free
Exit Admin Fee:
£225
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 2/8/23: 3% Outstanding Balance,to 2/6/23: Â£250 reclaimedCashback Reclaimed or to : 2/6/23. Legal Fee (Max Â£200.00)

Santander 2 Year Fixed

Cashback Available

Initial Rate
1.13% Fixed to 02/08/2023
APRC
3.00%
Product Fee
£999
Monthly Repayment
£574.18

Continue on Fluent Mortgages' website + More Info

Lender:
Santander
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£6,000
Max Loan:
£1,500,000
Product Description:
1.13% Fixed to 02/08/2023
Incentives:
Free valuation admin fees
free valuation fees (Max £1190) for properties valued Max £2
5M
£250 cashback

Initial Monthly Repayment:
£574.18 x 26
Ongoing Monthly Payments:
£724.45 x 274
Total Amount Payable:
£215,201.98
Total Interest Payable:
£63,427.98
Valuation Fee:
Free
Exit Admin Fee:
£225
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 2/8/23: 3% Outstanding Balance, to 2/6/23: Â£250 reclaimedCashback Reclaimed

Skipton BS 2 Year Fixed

Initial Rate
1.13% Fixed to 31/07/2023
APRC
3.80%
Product Fee
£995
Monthly Repayment
£574.18

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Lender:
Skipton BS
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£5,000
Max Loan:
£1,000,000
Product Description:
1.13% Fixed to 31/07/2023
Incentives:
Free valuation fees
free legal fees Remortgages
free valuation admin fees

Initial Monthly Repayment:
£574.18 x 26
Ongoing Monthly Payments:
£745.62 x 36
Total Amount Payable:
£236,233.62
Total Interest Payable:
£85,143.62
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 2/1% Outstanding Balance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.13%, reverting to 3.64% variable for 36 months and 4.64% variable for remaining term. 26 monthly payments of £574.18, 36 monthly payments of £745.62, and 238 monthly payments of £812.49. The total amount payable would be £236,283.62 made up of the loan amount, interest £85,143.62 and a product fee £995 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

HSBC 2 Year Fixed

Initial Rate
1.14% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£999
Monthly Repayment
£574.87

0808 291 2452

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Lender:
HSBC
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£10,000
Max Loan:
£5,000,000
Product Description:
1.14% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees Remortgages

Initial Monthly Repayment:
£574.87 x 27
Ongoing Monthly Payments:
£737.75 x 273
Total Amount Payable:
£218,021.24
Total Interest Payable:
£66,927.24
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Outstanding Balance

NatWest 2 Year Fixed

Cashback Available

Initial Rate
1.15% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£995
Monthly Repayment
£575.55

0800 158 2907

+ More Info

Lender:
NatWest
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£25,000
Max Loan:
£349,999
Product Description:
1.15% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees
free valuation admin fees
£200 cashback

Initial Monthly Repayment:
£575.55 x 27
Ongoing Monthly Payments:
£741.47 x 273
Total Amount Payable:
£218,756.16
Total Interest Payable:
£67,961.16
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

Royal Bank of Scotland 2 Year Fixed

Cashback Available

Initial Rate
1.15% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£995
Monthly Repayment
£575.55

0800 096 7446

+ More Info

Lender:
Royal Bank of Scotland
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£25,000
Max Loan:
£349,999
Product Description:
1.15% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees
free valuation admin fees
£200 cashback

Initial Monthly Repayment:
£575.55 x 27
Ongoing Monthly Payments:
£741.47 x 273
Total Amount Payable:
£218,756.16
Total Interest Payable:
£67,961.16
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.16% Fixed to 01/07/2023
APRC
3.70%
Product Fee
£999
Monthly Repayment
£576.24

Continue on Fluent Mortgages' website + More Info

Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£20,000
Max Loan:
£500,000
Product Description:
1.16% Fixed to 01/07/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£576.24 x 25
Ongoing Monthly Payments:
£780.13 x 275
Total Amount Payable:
£230,090.75
Total Interest Payable:
£78,941.75
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/7/23: 2/1% Sum Repaid

Halifax 2 Year Fixed

Initial Rate
1.16% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£995
Monthly Repayment
£576.24

Continue on Fluent Mortgages' website + More Info

Lender:
Halifax
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.16% Fixed to 31/08/2023
Incentives:
Free valuation fees
free valuation admin fees
free legal fees

Initial Monthly Repayment:
£576.24 x 27
Ongoing Monthly Payments:
£741.55 x 273
Total Amount Payable:
£218,996.63
Total Interest Payable:
£68,001.63
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Mortgage Advance

Lloyds Bank 2 Year Fixed

Cashback Available

Initial Rate
1.16% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£999
Monthly Repayment
£576.24

Continue on Fluent Mortgages' website + More Info

Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.16% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees
£200 cashback

Initial Monthly Repayment:
£576.24 x 27
Ongoing Monthly Payments:
£741.55 x 273
Total Amount Payable:
£218,800.63
Total Interest Payable:
£68,001.63
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

Lloyds Bank 2 Year Fixed

Initial Rate
1.16% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£999
Monthly Repayment
£576.24

Continue on Fluent Mortgages' website + More Info

Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.16% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£576.24 x 27
Ongoing Monthly Payments:
£741.55 x 273
Total Amount Payable:
£219,000.63
Total Interest Payable:
£68,001.63
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

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NatWest 2 Year Fixed

Cashback Available

Initial Rate
1.17% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£995
Monthly Repayment
£576.93

0800 158 2907

+ More Info

Lender:
NatWest
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.17% Fixed to 31/08/2023
Incentives:
£350 cashback

Initial Monthly Repayment:
£576.93 x 27
Ongoing Monthly Payments:
£741.62 x 273
Total Amount Payable:
£219,732.37
Total Interest Payable:
£68,039.37
Valuation Fee:
£248
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

Royal Bank of Scotland 2 Year Fixed

Cashback Available

Initial Rate
1.17% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£995
Monthly Repayment
£576.93

0800 096 7446

+ More Info

Lender:
Royal Bank of Scotland
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.17% Fixed to 31/08/2023
Incentives:
£350 cashback

Initial Monthly Repayment:
£576.93 x 27
Ongoing Monthly Payments:
£741.62 x 273
Total Amount Payable:
£219,732.37
Total Interest Payable:
£68,039.37
Valuation Fee:
£248
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

NatWest 2 Year Fixed

Cashback Available

Initial Rate
1.18% Fixed to 31/08/2023
APRC
3.30%
Product Fee
£995
Monthly Repayment
£577.61

0800 158 2907

+ More Info

Lender:
NatWest
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.18% Fixed to 31/08/2023
Incentives:
£350 cashback

Initial Monthly Repayment:
£577.61 x 27
Ongoing Monthly Payments:
£741.70 x 273
Total Amount Payable:
£219,772.57
Total Interest Payable:
£68,079.57
Valuation Fee:
£248
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

Royal Bank of Scotland 2 Year Fixed

Cashback Available

Initial Rate
1.18% Fixed to 31/08/2023
APRC
3.30%
Product Fee
£995
Monthly Repayment
£577.61

0800 096 7446

+ More Info

Lender:
Royal Bank of Scotland
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.18% Fixed to 31/08/2023
Incentives:
£350 cashback

Initial Monthly Repayment:
£577.61 x 27
Ongoing Monthly Payments:
£741.70 x 273
Total Amount Payable:
£219,772.57
Total Interest Payable:
£68,079.57
Valuation Fee:
£248
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 1.5/0.75% Sum Repaid

Nationwide BS 2 Year Fixed

Cashback Available

Initial Rate
1.19% Fixed for 2 years
APRC
3.10%
Product Fee
£999
Monthly Repayment
£578.30

Continue on Fluent Mortgages' website + More Info

Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£25,000
Max Loan:
£299,999
Product Description:
1.19% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback On Completion or free legal fees

Initial Monthly Repayment:
£578.30 x 24
Ongoing Monthly Payments:
£743.60 x 276
Total Amount Payable:
£220,111.80
Total Interest Payable:
£69,112.80
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

TSB 2 Year Fixed

Initial Rate
1.19% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£995
Monthly Repayment
£578.30

Continue on Fluent Mortgages' website + More Info

Lender:
TSB
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£5,000
Max Loan:
£1,000,000
Product Description:
1.19% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£578.30 x 27
Ongoing Monthly Payments:
£741.77 x 273
Total Amount Payable:
£219,112.31
Total Interest Payable:
£68,117.31
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

West Brom BS 2 Year Fixed

Initial Rate
1.19% Fixed to 30/06/2023
APRC
3.60%
Product Fee
£1,495
Monthly Repayment
£578.30

Continue on Fluent Mortgages' website + More Info

Lender:
West Brom BS
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£40,000
Max Loan:
£2,000,000
Product Description:
1.19% Fixed to 30/06/2023
Incentives:
Free valuation fees (Max £740)
free valuation admin fees

Initial Monthly Repayment:
£578.30 x 25
Ongoing Monthly Payments:
£772.80 x 275
Total Amount Payable:
£229,472.50
Total Interest Payable:
£76,977.50
Valuation Fee:
Free
Exit Admin Fee:
£200
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/6/23: 2/1% Sum Repaid

West Brom BS 2 Year Fixed

Cashback Available

Initial Rate
1.19% Fixed to 30/06/2023
APRC
3.60%
Product Fee
£1,495
Monthly Repayment
£578.30

Continue on Fluent Mortgages' website + More Info

Lender:
West Brom BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£40,000
Max Loan:
£2,000,000
Product Description:
1.19% Fixed to 30/06/2023
Incentives:
Free valuation fees (Max £740)
free valuation admin fees
£400 cashback

Initial Monthly Repayment:
£578.30 x 25
Ongoing Monthly Payments:
£772.80 x 275
Total Amount Payable:
£228,672.50
Total Interest Payable:
£76,977.50
Valuation Fee:
Free
Exit Admin Fee:
£200
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/6/23: 2/1% Sum Repaid

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Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.22% Fixed to 31/08/2023
APRC
3.30%
Product Fee
£999
Monthly Repayment
£580.37

Continue on Barclays Mortgage's website + More Info

Lender:
Barclays Mortgage
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£5,000
Max Loan:
£2,000,000
Product Description:
1.22% Fixed to 31/08/2023
Incentives:
Free valuation fees Remortgages
free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free legal feesRemortgages or £250 cashbackRemortgages

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£580.37 x 27
Ongoing Monthly Payments:
£742 x 273
Total Amount Payable:
£219,314.99
Total Interest Payable:
£68,235.99
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.22% Fixed to 01/07/2023
APRC
3.80%
Product Fee
£999
Monthly Repayment
£580.37

Continue on Fluent Mortgages' website + More Info

Lender:
Cumberland BS
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£20,000
Max Loan:
£500,000
Product Description:
1.22% Fixed to 01/07/2023
Incentives:
Free valuation fees

Initial Monthly Repayment:
£580.37 x 25
Ongoing Monthly Payments:
£780.57 x 275
Total Amount Payable:
£231,115
Total Interest Payable:
£79,166
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/7/23: 2/1% Sum Repaid

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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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Published on 05 July 2017. Last updated on 04 March 2021.

2-Year Fixed Rate Mortgages FAQ

What is a two-year fixed-rate mortgage?

Two-year fixed-rate mortgages allow borrowers to make monthly repayments on their mortgage, at a fixed rate of interest for a term of two years. This helps keep a lid on interest payments to be made.

Are fixed-rate mortgages useful for first-time buyers?

Yes, especially as new home buyers might be keen to avoid having to pay fluctuating sums of interest on their mortgage, as would be the case with a variable-rate mortgage product.

Is a two-year fixed-rate mortgage cheaper than a five-year fixed-rate mortgage?

As fixing rates for longer entails greater risk to a lender over time, they would be inclined to charge a higher rate of interest over a five-year fixed term as compared to a two-year fixed term. Use NerdWallet’s comparison tables to determine which product best suits your requirements.

What happens when the fixed-rate term ends?

You might wish to make prior arrangements to have a new fixed rate before the current one expires. If no arrangement is made, you would transition onto your provider’s Standard Variable Rate. Please note that this would result in interest payments rising substantially.

What is an interest-only mortgage?

Some mortgages allow borrowers to pay just interest on a monthly basis, with the mortgage loan outstanding, to be paid off in full when the term ends. Again, these kinds of products are suitable for those wishing to keep costs to a minimum.

What is LTV?

Loan-to-value (LTV) is a ratio measuring the proportion of a new property’s value that a provider is willing to offer in the form of the mortgage loan. If your provider offered you a mortgage with an LTV of 80%, you would have to repay the remaining 20% upfront as a deposit.

Are higher-LTV mortgages costlier?

They can be, despite the fact that you’ve got a smaller deposit to save up for at the start. This is because a high LTV entails greater risk to your provider. As a way of mitigating this risk, the provider will opt to charge a higher rate of interest than they would on a lower-LTV mortgage.

Is early repayment possible on a mortgage?

Early repayment should be possible with many providers, but please check terms and conditions to see whether they have any Early Repayment Charges. These are often used as a means of dissuading borrowers from paying back too soon, so costs need to be considered carefully.

What details are required for a fixed-rate mortgage?

Make sure to provide some form of identification, as well as documents such as bank statements, payslips and information about existing debts on your balance sheet. All this information helps your provider build up an accurate picture of your financial situation.

Does poor credit stop me getting a fixed-rate mortgage?

Not necessarily, but because low credit scores denote high risk for a provider, some might be inclined to refuse an application for a mortgage. Not only that, but those who are open to providing you with a mortgage might also decide to charge a higher rate of interest to reduce risk.

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