{"id":152711,"date":"2018-12-12T10:54:56","date_gmt":"2018-12-12T10:54:56","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=152711"},"modified":"2026-02-18T09:07:13","modified_gmt":"2026-02-18T09:07:13","slug":"5-year-fixed-rate-mortgages","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/5-year-fixed-rate-mortgages","title":{"rendered":"5-year fixed rate and tracker mortgages"},"content":{"rendered":"<article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">5-year fixed rate mortgage calculator<\/legend>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">Drawdown<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"10\" placeholder=\"\" id=\"ukfininput1\" value=\"650000\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Fees<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput2\" value=\"999\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"ukfininput3\">Pay fees<\/label>\n<select class=\"luna-select\" id=\"ukfininput3\">\n<option>Upfront<\/option>\n<option>With mortgage<\/option>\n<\/select>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">Intro fixed rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput4\" value=\"4.25\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput5\">Intro fixed rate term (months)<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput5\" value=\"60\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput6\">Revert rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput6\" value=\"7.5\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput7\">Full term (years, max 40)<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput7\" value=\"5\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults(0);\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block\">\n<p class=\"text-x-large no-margin-bottom\" id=\"resultmessage\">Use the fields above to estimate mortgage costs.<\/p>\n<div id=\"clcdsclmr\" class=\"text-small is-hidden\">Please note this calculator provides illustrative estimates only.<\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\ndocument.addEventListener('DOMContentLoaded', showResults(1), false);\n\nfunction showResults(onld) {\n\nvar drwdn = Number(document.getElementById(\"ukfininput1\").value);\nvar fees = Number(document.getElementById(\"ukfininput2\").value);\nvar bndl = document.getElementById(\"ukfininput3\").value;\nvar intrt = Number(document.getElementById(\"ukfininput4\").value)\/100;\nvar inttrm = Number(document.getElementById(\"ukfininput5\").value);\nvar rvtrt = Number(document.getElementById(\"ukfininput6\").value)\/100;\nvar flltrm = Number(document.getElementById(\"ukfininput7\").value);\n\nvar upfrnt = fees;\n\nif (fees > 0 && bndl == \"With mortgage\") { drwdn = drwdn+fees; upfrnt = 0; }\n\nif (intrt > 0 && inttrm > 0) {\nvar intinst = drwdn * ((intrt\/12)\/(1-Math.pow(1+(intrt\/12),0-(12*flltrm))));\nvar intpd = intinst * inttrm;\nvar intcprpd = drwdn * ((Math.pow((1+(intrt\/12)),inttrm)-1)\/(Math.pow((1+(intrt\/12)),(flltrm*12))-1));\nvar intintpd = intpd - intcprpd;\n}\nelse\n{ var intinst = 0; var intcprpd = 0; var intpd = 0; var intintpd = 0; }\n\nif ((flltrm*12)-inttrm>0) {\nvar rvtinst = (drwdn-intcprpd)*((rvtrt\/12)\/(1-(Math.pow(1+(rvtrt\/12),0-((12*flltrm)-inttrm)))));\nvar rvtpd = rvtinst * ((flltrm*12)-inttrm);\nvar rvtcprpd = (drwdn-intcprpd)*((Math.pow((1+(rvtrt\/12)),((flltrm*12)-inttrm))-1)\/(Math.pow((1+(rvtrt\/12)),((flltrm*12)-inttrm))-1));\nvar rvtintpd = rvtpd - rvtcprpd;\n}\nelse\n{ var rvtinst = 0; var rvtcprpd = 0; var rvtpd = 0; var rvtintpd = 0; }\n\nvar ttl = upfrnt + intpd + rvtpd;\nvar ttlint = ttl - drwdn - fees;\n\nvar resultmessage = document.getElementById(\"resultmessage\");\nresultmessage.innerHTML = '<table class=\"luna-table\"><tbody class=\"luna-table__body\"><tr><th>Upfront fees<\/th><td class=\"luna-table__numeric\">' + upfrnt.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<\/td><\/tr><tr><th>Initial monthly payment<\/th><td class=\"luna-table__numeric\">' + intinst.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<\/td><\/tr><tr><th>Capital repaid in intro period<\/th><td class=\"luna-table__numeric\">' + intcprpd.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) +  '<\/td><\/tr><tr><th>Revert monthly payment<\/th><td class=\"luna-table__numeric\">' + rvtinst.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<\/td><\/tr><tr><th>Capital repaid in revert period<\/th><td class=\"luna-table__numeric\">' + rvtcprpd.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<\/td><\/tr><tr><th>Overall interest<\/th><td class=\"luna-table__numeric\">' + ttlint.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<\/td><\/tr><tr><th>Overall cost<\/th><td class=\"luna-table__numeric\">' + ttl.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 0}) + '<\/td><\/tr><\/tbody><\/table>';\n\ndocument.getElementById(\"clcdsclmr\").classList.remove('is-hidden');\n\nif (onld == 0) { resultmessage.scrollIntoView({behavior: 'smooth'}); }\n\n}\n<\/script><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br \/>A mortgage of \u00a3230,537 payable over 23 years, initially on a fixed rate until 31\/01\/28 at 3.99% and then on a variable rate of 6.49% for the remaining 21 years would require 24 payments of \u00a31,277.66 followed by 252 payments of \u00a31,585.00. The total amount payable would be \u00a3430,099 made up of the loan amount plus interest (\u00a3199,547) and fees (\u00a315). The overall cost for comparison is 6.1% APRC representative.<\/div><\/article>With the Bank of England (BoE) base rate having risen sharply from its record low of 0.1% in March 2020, mortgage rates are now rising from their lowest ever levels. If you\u2019re thinking of locking into a low rate deal, here\u2019s what you need to know about 5-year fixed rate mortgages. <\/p><div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div id=\"howdoesitwork\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How does a 5-year fixed rate mortgage work?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Banks use the BoE base rate, along with other economic factors, to determine how much interest they will charge on their mortgages (and other credit products). The BoE&#8217;s Monetary Policy Committee (MPC) usually votes on the base rate eight times a year, although the rate won\u2019t necessarily change each time.<\/p><p>With <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/variable-rate-mortgages\">variable rate mortgages<\/a> the interest rate can move up or down in line with movements in the base rate. This means that if the base rate falls, so will your mortgage repayments, but if the base rate rises, your repayments will also go up.<\/p><p>In comparison, a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/fixed-rate-mortgages\">fixed rate mortgage<\/a> locks in your interest rate for a set period of time. As you might expect, with a 5-year fixed rate mortgage, your rate is set for 5 years. This means that no matter what happens to the BoE base rate, your mortgage interest rate, along with your monthly repayments, won\u2019t change. <\/p><p>A fixed rate mortgage can be a good option for those who can\u2019t afford for their monthly mortgage repayments to go up and who want to know exactly how much their repayments will be for the next few years. <\/p><p>The downside is that should you need to move home or change mortgage deals because your circumstances have changed, early repayment charges on 5-year fixed rate deals can be high &#8211; typically between 1% and 5% of the outstanding mortgage amount. Interest rates on fixed rate deals also tend to be higher compared to variable deals due to the security they offer. <\/p><p>At the end of the 5 years, your mortgage will typically revert to your lender\u2019s standard variable rate (SVR). This is typically higher than most rates, so it\u2019s worth switching to a new deal as soon as possible.<\/p><\/div><\/div><\/div><div id=\"types\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What types of 5-year fixed rate mortgages are available?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>You&#8217;ll usually be able to choose from the following types of 5-year fixed rate mortgages: <\/p><h4>Residential mortgages<\/h4><p>If you\u2019re buying a property to live in (as opposed to rent out), look for a 5-year fixed rate residential mortgage. You\u2019ll usually need to put down a deposit of at least 5%, with the most competitive rates being offered to those who can stump up a deposit of at least 40%. Better rates are also offered to those with a good credit score.<\/p><h4>Buy-to-let mortgages<\/h4><p>You\u2019ll need a specific buy-to-let mortgage if you plan to rent a property out. Deposits of between 25% and 40% are usually required and interest rates tend to be higher compared to residential mortgages. <\/p><h4>Repayment mortgages<\/h4><p>The majority of 5-year fixed rate mortgages are offered on a repayment basis. This means that a portion of the capital &#8211; the original amount borrowed &#8211; and a portion of interest is included in each monthly repayment. If you keep up with your repayments, your entire loan will be repaid by the end of the mortgage term &#8211; typically 25 years. <\/p><h4>Interest-only mortgages<\/h4><p>You may be able to take out a 5-year fixed rate interest only mortgage instead. With this type of mortgage, only a portion of the interest is repaid each month and at the end of the mortgage term, you\u2019ll need to repay the original amount borrowed. <\/p><p>The advantage of interest-only mortgages is that monthly repayments are much lower. The downside is fewer lenders offer them and those that do will require you to have an approved repayment vehicle in place to ensure you can pay off the capital.<\/p><\/div><\/div><\/div><\/div><h3 id=\"howto\">How to compare 5-year fixed rate mortgages<\/h3><p>Once you have decided that a 5-year fixed rate mortgage is right for you, there are some easy ways to compare the mortgages available to help you select one that suits your needs. For example, it\u2019s a good idea to take a look at the following:<\/p><ul><li><strong>Interest rate.<\/strong> This will have a direct impact on the amount you repay each month, so it\u2019s worth comparing your options carefully to find a good rate.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-fees-and-costs-the-complete-guide\">Fees<\/a>.<\/strong> Always check how much the arrangement fee is on each mortgage. Some mortgages with low rates of interest have high fees and you may find it\u2019s cheaper to choose a higher rate mortgage with a low (or no) fee.<\/li><li><strong>Repayments.<\/strong> Check how much you\u2019ll repay each month and each year.<\/li><li><strong>Early repayment options.<\/strong> Check how much you can overpay by each year (often this is 10%) and how much you\u2019ll be charged for going over this amount. You should also check what fees apply if you repay your mortgage early. Early repayment charges are often tiered so that the nearer you get to the end of the deal, the less you\u2019ll pay.<\/li><\/ul><h3 id=\"prosandcons\">Pros and cons of a 5-year fixed rate mortgage<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li><strong>Repayment security.<\/strong> Your repayments won\u2019t change for 5 years. This is much longer than most other fixed rate mortgages, giving you extra peace of mind and making it easier to budget.<\/li>\n                                    <li><strong>Immunity from rate rises.<\/strong> If you\u2019re locked into a fixed rate deal and the BoE base rate increases, your mortgage rate will remain the same.<\/li>\n                                    <li><strong>Option to overpay.<\/strong> You\u2019ll usually be able to make overpayments on your mortgage up to 10% a year.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li><strong>Lack of flexibility.<\/strong> If you choose a 5-year fixed rate deal, you\u2019ll ideally need to stick with it for those 5 years. If the base rate falls during that time, you won\u2019t benefit from lower repayments.<\/li>\n                                    <li><strong>Early repayment charges.<\/strong> Fixed rate mortgages tend to have high fees if you repay your mortgage before the end of the fixed term.<\/li>\n                                    <li><strong>Higher interest rates.<\/strong> Fixed rate deals tend to have higher interest rates compared to variable rate mortgages.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>The Bottom line<\/h3><p>If you want to make the most of low interest rates and lock in your mortgage rate for a set time, a 5-year fixed rate mortgage could be a good choice. Offering longer-term security than a two- or three-year fixed rate deal, but not requiring you to lock in for as long as 10 years, a 5-year deal could offer a good compromise. Just remember that you will have to pay an early repayment charge if you get out of your deal early.<\/p><h3 id=\"faq\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Which lenders offer 5-year fixed rate mortgages?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Most lenders offer 5-year fixed rate mortgages. If a 5-year fixed rate mortgage is something you want, make sure you compare the options available.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is 5 years the longest fixed rate term I can get?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In the UK, the maximum length of a fixed rate mortgage, depending on the lender, is usually 10 years. However, most smaller lenders will only offer fixed terms of between one and 5 years. Some lenders also offer 15-year fixed rate mortgages.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I get a 5-year fixed rate mortgage if I am self-employed?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. In theory, those who are self-employed should have access to the same mortgage deals as everyone else. However, you\u2019ll usually need to have been trading for at least three years and lenders will want to see two to three years worth of accounts.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>A 5-year fixed rate mortgage will see your repayments remain stable for the 5-year term. Find out more in our in-depth guide.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-152711","post","type-post","status-publish","format-standard","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 5-year fixed rate and tracker mortgages | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare the best 5-year fixed rate mortgages on the market. 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