Compare 5-Year Fixed-Rate Mortgages

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  • HSBC's logo'

    HSBC 5 Year Fixed

    • Initial Rate
      3.26% Fixed to 31/08/2026
    • APRC
      3.60%
    • Product Fee
      £1,499
    • Monthly Repayment
      £965.93
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.29% Fixed for 5 years
    • APRC
      4.80%
    • Product Fee
      £999
    • Monthly Repayment
      £969.08
    Continue on Fluent Mortgages' website + More Info
  • HSBC's logo'

    HSBC 5 Year Fixed

    • Initial Rate
      3.29% Fixed to 31/08/2026
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £969.08
  • Barclays Mortgage's logo'

    Barclays Mortgage 5 Year Fixed

    • Initial Rate
      3.30% Fixed to 31/08/2026
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £970.12
    Continue on Barclays Mortgage's website + More Info
  • Newcastle BS's logo'

    Newcastle BS 5 Year Fixed

    • Initial Rate
      3.30% Fixed to 30/11/2026
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £970.12
    Continue on Fluent Mortgages' website + More Info
  • Santander's logo'

    Santander 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.30% Fixed to 02/09/2026
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £970.12
    Continue on Fluent Mortgages' website + More Info
  • Santander's logo'

    Santander 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.30% Fixed to 02/09/2026
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £970.12
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • Leeds BS's logo'

    Leeds BS 5 Year Fixed

    • Initial Rate
      3.32% Fixed to 31/07/2026
    • APRC
      4.60%
    • Product Fee
      £999
    • Monthly Repayment
      £972.22
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 5 Year Fixed

    • Initial Rate
      3.33% Fixed to 01/07/2026
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £973.27
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 5 Year Fixed

    • Initial Rate
      3.33% Fixed to 01/07/2026
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £973.27
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • Nationwide BS's logo'

    Nationwide BS 5 Year Fixed

    • Initial Rate
      3.34% Fixed for 5 years
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £974.33
    Continue on Fluent Mortgages' website + More Info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Initial Rate
      3.34% Fixed to 31/07/2026
    • APRC
      4.00%
    • Product Fee
      £995
    • Monthly Repayment
      £974.33
    Continue on Fluent Mortgages' website + More Info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Initial Rate
      3.34% Fixed to 31/07/2026
    • APRC
      3.80%
    • Product Fee
      £995
    • Monthly Repayment
      £974.33
    Continue on Fluent Mortgages' website + More Info
  • Barclays Mortgage's logo'

    Barclays Mortgage 5 Year Fixed

    • Initial Rate
      3.35% Fixed to 31/08/2026
    • APRC
      3.60%
    • Product Fee
      £0
    • Monthly Repayment
      £975.38
    Continue on Barclays Mortgage's website + More Info
  • Halifax's logo'

    Halifax 5 Year Fixed

    • Initial Rate
      3.35% Fixed to 31/08/2026
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £975.38
    Continue on Halifax's website + More Info
  • Halifax's logo'

    Halifax 5 Year Fixed

    • Initial Rate
      3.35% Fixed to 31/08/2026
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £975.38
    Continue on Halifax's website + More Info
  • Click here to see 1 similar product
  • Skipton BS's logo'

    Skipton BS 5 Year Fixed

    • Initial Rate
      3.35% Fixed to 30/09/2026
    • APRC
      4.30%
    • Product Fee
      £995
    • Monthly Repayment
      £975.38
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 5 Year Fixed

    • Initial Rate
      3.37% Fixed to 01/07/2026
    • APRC
      4.00%
    • Product Fee
      £999
    • Monthly Repayment
      £977.48
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 5 Year Fixed

    • Initial Rate
      3.37% Fixed to 01/07/2026
    • APRC
      4.00%
    • Product Fee
      £999
    • Monthly Repayment
      £977.48
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • Coventry BS's logo'

    Coventry BS 5 Year Fixed

    • Initial Rate
      3.39% Fixed to 30/06/2026
    • APRC
      4.20%
    • Product Fee
      £999
    • Monthly Repayment
      £979.59
    Continue on Fluent Mortgages' website + More Info
  • Metro Bank's logo'

    Metro Bank 5 Year Fixed

    • Initial Rate
      3.39% Fixed for 5 years
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £979.59
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.39% Fixed for 5 years
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £979.59
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.39% Fixed for 5 years
    • APRC
      3.60%
    • Product Fee
      £999
    • Monthly Repayment
      £979.59
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • NatWest's logo'

    NatWest 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.39% Fixed to 31/08/2026
    • APRC
      3.60%
    • Product Fee
      £995
    • Monthly Repayment
      £979.59

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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Information written by Holly Bennett Last updated on 01 June 2021.

What is a 5-year fixed-rate mortgage?

It’s a type of mortgage where the interest rate charged on your loan is frozen for five years. So what you pay each month won’t be affected if interest rates rise or fall during that time.

When the deal ends, you’ll move to the lender’s standard variable rate (SVR), unless you remortgage and move to a new deal with your current lender, or with a new one.

» MORE: A simple guide to remortgaging

How to find the best 5-year fixed-rate mortgage

If you’re looking for the best mortgage for your circumstances, use our mortgage table to compare five-year fixed-rate deals. Filter the results by property value, mortgage amount, term length and mortgage type and you'll see how different fees, interest rates and terms from leading lenders compare, including how much you may pay each month.

Advantages of a 5-year fixed-rate mortgage

The main benefit of fixing your mortgage rate for five years is knowing that whatever happens to interest rates, you’ll likely pay the same each month for that period of time, unless you leave the deal early or exceed overpayment limits. This predictability can help you budget and feel peace of mind.

Fixed-rate mortgages often appeal to first-time buyers on a tight monthly budget for their stable costs. And if you get a fixed-rate mortgage when the base interest rate is extremely low, that low rate will stay during those first years of the mortgage.

Disadvantages of a 5-year fixed-rate mortgage

Borrowers pay a premium for fixed-rate deals because fixing rates for any amount of time involves some level of risk for your lender. The longer your fixed-rate period is, the higher the rate of interest is likely to be, as you’re paying for the security of a longer period.

If you need to remortgage to a new deal before your fixed term ends, maybe because you move home or need to make a change to your agreement, you may have to pay a charge. This isn’t usually the case if you have an SVR deal.

Mortgage deals with a fixed rate of interest most commonly have terms from two to five years. A potential downside to a longer, five-year fixed mortgage is that if interest rates fall during that time, your rate won’t reduce in line with them.

Why mortgage interest rates matter for a fixed-rate mortgage

You should consider the total cost of a mortgage for the full term of the deal when comparing mortgages, including lenders’ fees and interest rates. The higher the interest rate, the more your monthly repayments will usually be. And the longer the term, the more interest you’ll pay.

The Bank of England base rate influences mortgage interest rates, but so do the internal policies and strategies of individual banks and building societies.

A mortgage is a big financial commitment that can take many years to repay. So finding the best deal for you is important if the loan is going to be affordable over the long term.

If you do nothing when your fixed-rate mortgage term ends and are moved to your lender’s SVR, it may mean you’ll pay a higher rate of interest than if you switch deals.

Your options when a 5-year fixed-rate mortgage ends

When your fixed-rate deal ends, your lender will automatically move you on to their SVR, which tends to be higher and cost more.

If you don’t want that to happen, you can remortgage by either taking out a new deal with your existing provider, or finding a new lender that offers a better option. If your plan is to remortgage, start looking into it six months before it’s due to end. Your mortgage lender may get in touch before your current term ends to offer another deal.

Be sure when you consider remortgaging that you factor in all fees and costs involved in the new deal, not just the headline rate. This includes any early repayment charge (ERC) you might have to pay for leaving the agreement before the tie-in period has ended, and any mortgage arrangement fees.

If you’re remortgaging and have a low loan-to-value (LTV) ratio, or your home has risen in value over time, you may be able to access more deals and at better rates.

» MORE: 7 remortgaging tips to consider

5-Year Fixed-Rate Mortgages FAQs

Should I get a 5-year fixed-rate mortgage?

Can I keep my 5-year fixed-rate mortgage?

Can I leave a 5-year fixed-rate mortgage deal early?

Can I pay off a fixed-rate mortgage early?

Do 5-year fixed-rate mortgages offer incentives?

Do I need a good credit score for a fixed-rate mortgage?

About the author:

Holly champions clear, jargon-free writing. She’s been creating finance content for leading organisations for over 10 years, with expertise in insurance, wills and probate, and all things health. Read more