Best fixed rate mortgage/remortgage options

A fixed rate remortgage or new mortgage gives you peace of mind on outgoings. With a fixed mortgage you know that whatever happens to interest rates, your monthly payments will stay the same for the agreed period.

John Charcol’s best fixed rate mortgage table shows you some of the very best fixed rate mortgage deals on the market at the moment.

Best Buys

Mortgage Provider	Mortgage Type	Initial Rate/Duration	Subsequent Rate/Duration	The overall cost for comparison	Early Repayment Charges
	Fixed Rate Mortgage	2.79% Fixed for 2 years (75%)	5.59% Variable for term	5.20% APR	2% for 2 years	Details/ Enquire
Mortgage Details Product Name: 2 Year 2.79% Fixed Product Description: 2 Year Fixed to 75% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 2.79% Fixed for 2 years (75%) Subsequent Rate/Duration: 5.59% Variable for term The overall cost for comparison: 5.20% APR Special Deal: Valuation Fee Refunded (Max £400) Fees Lenders arrangement fee: £1499 CHAPS Fee: £30 Lender Booking fee: £0 Charcol Booking fee: £0 Valuation Fees: £194 Legal Fees: £150 Early Repayment Charges: £2% for 2 years				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Exclusive Mortgage Deals	2.84% Fixed until 31/03/2014	3.99% Variable for term	4.00% APR	3/2% until 31/03/2014	Details/ Enquire
Mortgage Details Product Name: Exclusive 2 Year 2.84% Fixed. Product Description: 2 Year Fixed to 60% LTV Mortgage Type: Exclusive Mortgage Deals Initial Rate/Duration: 2.84% Fixed until 31/03/2014 Subsequent Rate/Duration: 3.99% Variable for term The overall cost for comparison: 4.00% APR Special Deal: Free Valuation and Free Legal for Remortgage Fees Lenders arrangement fee: £1200 CHAPS Fee: £30 Lender Booking fee: £0 Charcol Booking fee: £75 Valuation Fees: £285 Legal Fees: £415 Early Repayment Charges: £3/2% until 31/03/2014				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	2.89% Fixed until 31/03/2015 (70%)	5.95% Variable for term	5.20% APR	3% until 31/03/2015	Details/ Enquire
Mortgage Details Product Name: 3 Year Fixed until 31/03/2015 (70%) Product Description: 3 Year Fixed Rate until 31/03/2015 (70%) Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 2.89% Fixed until 31/03/2015 (70%) Subsequent Rate/Duration: 5.95% Variable for term The overall cost for comparison: 5.20% APR Special Deal: Free Valuation in local area Fees Lenders arrangement fee: £1500 CHAPS Fee: £30 Lender Booking fee: £0 Charcol Booking fee: £0 Valuation Fees: £245 Legal Fees: £250 Early Repayment Charges: £3% until 31/03/2015				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.20% Fixed until 31/12/2013 (80%)	4.74% Variable for term	4.30% APR	4% until 31/12/2013	Details/ Enquire
Mortgage Details Product Name: 2 Year 3.20% Fixed Product Description: 2 Year Fixed to 80% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.20% Fixed until 31/12/2013 (80%) Subsequent Rate/Duration: 4.74% Variable for term The overall cost for comparison: 4.30% APR Special Deal: Free Valuation (Max £670). Free Legal Service for Remortgages Fees Lenders arrangement fee: £800 CHAPS Fee: £35 Lender Booking fee: £199 Charcol Booking fee: £0 Valuation Fees: £0 Legal Fees: £132 Early Repayment Charges: £4% until 31/12/2013				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.25% Fixed until 01/03/2015 (75%)	4.79% Variable for term	4.30% APR	3.5% until 01/03/2015	Details/ Enquire
Mortgage Details Product Name: 3 Year 3.25% Fixed Product Description: 3 Year Fixed to 75% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.25% Fixed until 01/03/2015 (75%) Subsequent Rate/Duration: 4.79% Variable for term The overall cost for comparison: 4.30% APR Special Deal: Fees Lenders arrangement fee: £995 CHAPS Fee: £35 Lender Booking fee: £99 Charcol Booking fee: £0 Valuation Fees: £287 Legal Fees: £300 Early Repayment Charges: £3.5% until 01/03/2015				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.29% Fixed until 30/04/2015 (70%)	4.59% Variable for term	4.10% APR	5/4/3% until 30/04/2015	Details/ Enquire
Mortgage Details Product Name: 3 Year 3.29% Fixed Rate. Product Description: 3 Year Fixed to 70% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.29% Fixed until 30/04/2015 (70%) Subsequent Rate/Duration: 4.59% Variable for term The overall cost for comparison: 4.10% APR Special Deal: Free Valuation and Free Legal Service for Remortgage Fees Lenders arrangement fee: £999 CHAPS Fee: £30 Lender Booking fee: £0 Charcol Booking fee: £0 Valuation Fees: £0 Legal Fees: £300 Early Repayment Charges: £5/4/3% until 30/04/2015				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.49% Fixed until 01/02/2015 (80%)	6.14% Variable for term	5.30% APR	6 months interest to 01/02/2015	Details/ Enquire
Mortgage Details Product Name: 3 Year 3.49% Fixed Product Description: 3 Year Fixed to 80% LTV. Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.49% Fixed until 01/02/2015 (80%) Subsequent Rate/Duration: 6.14% Variable for term The overall cost for comparison: 5.30% APR Special Deal: Free Valuation and Free Legal Service on Remortgages Fees Lenders arrangement fee: £0 CHAPS Fee: £35 Lender Booking fee: £0 Charcol Booking fee: £0 Valuation Fees: £0 Legal Fees: £132 Early Repayment Charges: £6 months interest to 01/02/2015				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.58% Fixed until 31/03/2017 (65%)	4.49% Variable for term	4.20% APR	4% until 31/03/2017	Details/ Enquire
Mortgage Details Product Name: 5 Year 3.58% Fixed until 31/03/2017 Product Description: 5 Year Fixed to 65% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.58% Fixed until 31/03/2017 (65%) Subsequent Rate/Duration: 4.49% Variable for term The overall cost for comparison: 4.20% APR Special Deal: Free Valuation (upto £650). Free Legal Service on Remortgage Fees Lenders arrangement fee: £800 CHAPS Fee: £35 Lender Booking fee: £65 Charcol Booking fee: £0 Valuation Fees: £0 Legal Fees: £117 Early Repayment Charges: £4% until 31/03/2017				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	3.99% Fixed until 01/02/2017 (80%)	6.14% Variable for term	5.60% APR	6 months interest until 01/02/2017	Details/ Enquire
Mortgage Details Product Name: 5 Year 3.99% Fixed Product Description: 5 Year Fixed to 80% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 3.99% Fixed until 01/02/2017 (80%) Subsequent Rate/Duration: 6.14% Variable for term The overall cost for comparison: 5.60% APR Special Deal: Free Valuation. Fees Lenders arrangement fee: £800 CHAPS Fee: £35 Lender Booking fee: £199 Charcol Booking fee: £0 Valuation Fees: £0 Legal Fees: £132 Early Repayment Charges: £6 months interest until 01/02/2017				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
	Fixed Rate Mortgage	4.99% Fixed until 28/02/2022 (80%)	5.69% Variable for term	5.30% APR	6/6/5/5/5/5/4/4/3/2% until 28/02/2022	Details/ Enquire
Mortgage Details Product Name: 10 Year 4.99% Fixed until 28/02/2022 Product Description: 10 Year Fixed to 80% LTV Mortgage Type: Fixed Rate Mortgage Initial Rate/Duration: 4.99% Fixed until 28/02/2022 (80%) Subsequent Rate/Duration: 5.69% Variable for term The overall cost for comparison: 5.30% APR Special Deal: Fees Lenders arrangement fee: £800 CHAPS Fee: £35 Lender Booking fee: £199 Charcol Booking fee: £0 Valuation Fees: £335 Legal Fees: £117 Early Repayment Charges: £6/6/5/5/5/5/4/4/3/2% until 28/02/2022				Give us a call Our expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404 If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm Friday: 08.30am - 6pm Saturday: 10.00am – 4pm Sunday: Closed Close
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John Charcol is a trading style of Towergate Financial (West) Limited which is authorised and regulated by the Financial Services Authority. Registered in England No. 02292688. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Telephone: 0845 413 1000.

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