Fixed rate mortgages

Mortgages that let you rest easy, knowing that your interest rate will remain fixed for a specified length of time.

With a Fixed rate mortgage, you have the chance to secure your interest rate for a set period of time so you don't have to worry about fluctuations in the Bank of England base rate.

A Fixed rate mortgage could be right for you if:

you're on a fixed budget
you like to plan your finances in advance
you want your interest rate to remain fixed for a set time

You have the right to repay the loan either partially or in full during the term of the loan.

If you want to come out of a Fixed rate mortgage before the end of the special rate period, early repayment charges will apply. Please see the individual Fixed rate product pages for details.

Ready to find a mortgage?

If you are happy that Fixed rate mortgages might be the best option for you, why not choose from our current range of Fixed rate mortgages.

Offset mortgages

With an Offset mortgage you can use your savings to offset against the balance of your mortgage and reduce the interest you pay.

An Offset mortgage could be right for you if:

you have savings
you want the option to fix your interest rate for a set time or track the Bank of England base rate
you'd like to be mortgage-free sooner, or:
you'd like to bring down your monthly payments

You have the right to repay the loan either partially or in full during the term of the loan.

If you want to come out of an Offset mortgage before the end of the special rate period, early repayment charges will apply. Please see the individual Offset product pages for details.

Your Offset Mortgage and Offset Savings accounts remain separate, so you still have access to your savings, but your savings reduce the interest charged on your mortgage. There are three options to choose from when looking into an offset mortgage:

  1. reduced monthly mortgage payments now
  2. reduced monthly mortgage payments in the future
  3. reduced term of your mortgage.

You decide which option you’d like when you first take out your Offset mortgage and you can change this at any time during the life of your mortgage simply by contacting us. You can read more about the specific options by reading our guide to your Offset options.

As well as using your own savings, you can also link savings of family and friends to your mortgage – find out more with our Offset Plus for Borrowers guide page. Alternatively, you can link to your savings to the Offset Mortgage of a friend or family member with our Offset Savings Account .

Ready to find a mortgage?

If you are happy that Offset mortgages might be the best option for you, why not choose from our current range of Offset mortgages.

Need more help?

Mortgage calculators

These tools can help you understand how much you could be paying each month and how much we may be prepared to lend you to make it easier for you to select the right mortgage.

Mortgage Illustration (KFI)

Our online tool will provide you with a comprehensive summary of any product available to you, including the amount of the monthly payments and any fees which you must pay.

Request an appointment

Our qualified Mortgage Advisers can help you every step of the way.