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Best Mortgage rates – 5 year fixed deals – Updated January 2025

best mortgage rates 5 year fixed uk

Are you buying your first home or moving home?  Remortgaging?

Most people keep their mortgage for an average of 7 years.

Our 5-year fixed-rate mortgage has a rate of 4.63% with no product fee or administration fee.

The lender is not on the shopping comparison websites!

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retirement interest only mortgages
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Best mortgage rates 5 year fixed uk

retirement interest only mortgages

Are you sick of the same lenders appearing on the same old comparison websites?

Maybe their “featured lenders” are not the best deals?

Use Frequent Finance to discover lenders with the most competitive rates and the best terms, which are not on the comparison websites.

  • Prompt and professional service
  • Fast completions so you can honour your offer quickly
  • Loan to value up to 90%
  • Rates from 0.89%
  • Fixed, discounted and variable rates
  • Low or no lender fees at all
  • Employed or Self-employed
  • Interest-only terms

Enquire now!

Releasing equity for a loft conversion – What are the best mortgage rates currently?

As a loft conversion will likely increase your home’s value, some lenders will consider the estimated increased home value as part of the loan application.

best current mortgage rates

Nationwide Buy To Let Mortgage For Over 70s
Metrobank Equity Release
Pensioner Mortgages

Considering a loan of 25k with low monthly payments – best mortgage rates?

The main issues with personal loans 25000 are adverse credit intolerance, the effect of default notices, the third-party valuation of the property pledged as collateral, and evidence of too many credit applications.

Are you looking for rates second mortgage with low monthly repayments?

The main features of rates second mortgage are long loan term, the effect of credit card payment arrears, the discounted home valuation and insufficient personal income.

5 year fixed
Are you able to borrow for fixed-rate homeowner loans without a second charge?

The main features of fixed-rate 2nd charge loans are early repayment fees, the impact of CCJs, delays in the home valuation and insufficient personal income.

retirement interest only mortgages

Are you able to borrow to get homeowner loans with no phone calls with low monthly repayments?

The main features of secured loans with no phone call are subprime credit intolerance, the impact of loan arrears, the discounted property valuation and the evidence of payday loans on bank statements.

retirement interest only mortgages
Can you borrow to get bad credit loans for homeowners and repay the loan over five years?

The main issues with homeowner loans bad credit are poor credit intolerance, the effect of default notices, the home valuers’ forced sale price and the evidence of a fraudulent application.

Can you get a secured loan bad credit UK and repay the loan over five years?

The main features of a secured loan bad credit UK are the servicing of existing credit card debt, the impact of defaults, the delays in the home valuation and the borrower not on the electoral register.

Equity Release Yorkshire Building Society YBS

current best mortgage rates

Metrobank Lifetime Mortgage
Which? Equity Release Scheme
Yorkshire Bank Equity Release Scheme
YB-Yorkshire Bank Lifetime Mortgage
Which? Money Lifetime Mortgage
Legal & General Lifetime Mortgage – Updated For January 2025

Understanding Discounted Fixed-Rate and Tracker Mortgages

Finding the right mortgage option can save you thousands over the term of your loan. Below, we explore the benefits and differences between discounted fixed-rate and tracker mortgages while highlighting the best 5 year fixed rates and other key considerations for UK borrowers.

Discounted Fixed-Rate Mortgages

A discounted fixed-rate mortgage offers borrowers a set interest rate for a fixed period, providing stability and peace of mind. Here are some of the best mortgage rates 5 year fixed UK options:

  • Best 5 year fixed mortgage rate options allow for predictable monthly payments.
  • The lowest 5 year fixed rate mortgage UK options can provide significant savings over time.
  • Products like the best 85 LTV mortgages are tailored for buyers with a smaller deposit.

Borrowers seeking the best 5 year fixed rate mortgage can benefit from locking in today’s best current mortgage rates UK.

Key Advantages

  • Certainty of monthly repayments with the best 5 year fixed mortgages.
  • Protection from interest rate increases during the fixed term.
  • Some of the cheapest 5 year fixed rate mortgage options are ideal for remortgaging.

Tracker Mortgages

Unlike fixed-rate mortgages, tracker mortgages follow the Bank of England’s base rate, meaning your monthly payments could fluctuate. However, this can sometimes lead to accessing best 5 year mortgage rates and potentially lower overall costs.

Considerations for tracker mortgages:

  • The best UK mortgage rates 5 year fixed may still be preferable for those seeking certainty.
  • Those willing to take on some risk might find the lowest 5 year fixed rate mortgage or tracker mortgage options appealing.

Choosing Between Fixed and Tracker Mortgages for the best mortgage rates

Whether you opt for a fixed-rate mortgage or a tracker mortgage depends on your financial goals and tolerance for risk. Many borrowers prioritise the best 5 year fixed rates mortgages for stability, while others prefer the potential savings of a tracker mortgage.

If you’re remortgaging, look into the best remortgage rates 5 year fixed to find the most suitable product for your needs.

For those searching for the best 5 year fixed rate or the best 5 year mortgage rates UK, working with a mortgage advisor can help you secure the best deal based on your circumstances. Consider all your options to determine whether a discounted fixed-rate or tracker mortgage aligns with your financial goals.