Compare Fixed Rate Mortgages

Our fixed rate mortgage comparison calculator shows the total cost of 2 vs 5-year fixes including arrangement fees, and models different rate scenarios at the end of each deal.

Enter your loan amount and compare 2-year, 3-year, and 5-year fixed-rate deals against the standard variable rate (SVR) your lender would revert to at the end of each deal. The calculator shows the monthly payment, total cost over the fixed period, and the cost during the revert-to-SVR period for any years not covered by the fixed term within a 5-year window. Shorter deals offer lower initial rates but require remortgaging sooner, which carries arrangement fee costs and the risk that rates are higher at the next fix. Longer deals provide payment certainty and avoid remortgage costs but may leave you locked into a higher rate if the market moves down. Early repayment charges vary — check your specific deal terms.