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Fix your mortgage

With our fixed rate mortgages you can relax knowing how much you will need to pay each month

Fixed Rate Mortgages

If you would like to find out more about our Fixed Rate Mortgages our Mortgage Advisers will be happy to discuss your requirements.

What is a fixed rate mortgage?

A fixed rate mortgage means that the interest rate is fixed for an agreed period of time. This guarantees that your rate will not go up or down regardless of what happens to the Bank of England base rate. The amount you pay every month will also remain the same during the fixed rate term, offering the security of knowing that your monthly payments will not change

What happens when my fixed rate comes to an end?

Your loan will revert to our Cambridge Variable Mortgage. This means you will pay our Standard Variable Rate for the rest of the mortgage term. We will recalculate your monthly payment to reflect any change to the interest rate. We will contact you before your fixed rate term comes to an end to review your requirements and make you aware of the options available to you

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Our current 2 Year Fixed Rate Mortgages

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
2 Year Fixed Rate 1.94% 4.74% 4.3% APRC Fixed 80% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £219,836.00 payable over 20 years initially on a fixed rate for 2 years at 1.94% and then on our Standard Variable Rate of 4.74% for the remaining 18 years would require 24 monthly payments of £1,109.32 and 216 monthly payments of £1,392.02.

The total amount payable would be £327,849.00 made up of the loan amount plus interest (£106,639.00), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
2 Year Fixed Rate 2.29% 4.74% 4.3% APRC Fixed 80% Application fee: £0

Completion fee: £0
3% in year one
2% in year two

A mortgage of £202,565.00 payable over 20 years initially on a fixed rate for 2 years at 2.29% and then on our Standard Variable Rate of 4.74% for the remaining 18 years would require 24 monthly payments of £1,052.16 and 216 monthly payments of £1,281.92.

The total amount payable would be £302,496.56 made up of the loan amount plus interest (£99,556.56), a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.
Find out more
2 Year Fixed Rate 2.39% 4.74% 4.5% APRC Fixed 90% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £243,572.00 payable over 28 years initially on a fixed rate for 2 years at 2.39% and then on our Standard Variable Rate of 4.74% for the remaining 26 years would require 24 monthly payments of £997.72 and 312 monthly payments of £1,292.80.

The total amount payable would be £427,847.88 made up of the loan amount plus interest (£182,901.88), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more
2 Year Fixed Rate 2.74% 4.74% 4.5% APRC Fixed 90% Application fee: £0

Completion fee: £0
3% in year one
2% in year two

A mortgage of £178,885.00 payable over 28 years initially on a fixed rate for 2 years at 2.74% and then on our Standard Variable Rate of 4.74% for the remaining 26 years would require 24 monthly payments of £762.61 and 312 monthly payments of £948.96.

The total amount payable would be £314,653.16 made up of the loan amount plus interest (£135,468.16), a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more

Low Deposit 2 Year Fixed Rate

3.64% 4.74% 4.7% APRC Fixed 95% Application fee: £199

Completion fee: £0
3% in year one
2% in year two

A mortgage of £163,237.00 payable over 29 years initially on a fixed rate for 2 years at 3.64% and then on our Standard Variable Rate of 4.74% for the remaining 27 years would require 24 monthly payments of £759.55 and 324 monthly payments of £857.41.

The total amount payable would be £296,229.04 made up of the loan amount plus interest (£132,768.04), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.7% APRC representative.

Find out more
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Our current 3 Year Fixed Rate Mortgages

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
3 Year Fixed Rate 2.64% 4.74% 4.3% APRC Fixed 90% Application fee: £199

Completion fee: £0
3% in year one
2% in year two
1% in year three

A mortgage of £178,860.00 payable over 28 years initially on a fixed rate for 3 years at 2.64% and then on our Standard Variable Rate of 4.74% for the remaining 25 years would require 36 monthly payments of £753.21 and 300 monthly payments of £941.27.

The total amount payable would be £309,695.56 made up of the loan amount plus interest (£130,611.56), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
Low Deposit 3 Year Fixed Rate 3.49% 4.74% 4.6% APRC Fixed 95% Application fee: £199

Completion fee: £0

3% in year one
2% in year two
1% in year three 

A mortgage of £218,545.00 payable over 30 years initially on a fixed rate for 3 years at 3.49% and then on our Standard Variable Rate of 4.74% for the remaining 27 years would require 36 monthly payments of £979.48 and 324 monthly payments of £1,124.78.

The total amount payable would be £399,889.00 made up of the loan amount plus interest (£181,120.00), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.6% APRC representative.

Find out more
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Our current 5 Year Fixed Rate Mortgages

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
5 Year Fixed Rate 2.39% 4.74% 3.6% APRC Fixed 80% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £187,175.00 payable over 17 years initially on a fixed rate for 5 years at 2.39% and then on our Standard Variable Rate of 4.74% for the remaining 12 years would require 60 monthly payments of £1,121.46 and 144 monthly payments of £1,279.00.

 

The total amount payable would be £251,972.60 made up of the loan amount plus interest (£63,463.60), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

 

The overall cost for comparison is 3.6% APRC representative.

Find out more
5 Year Fixed Rate 2.59% 4.74% 3.7% APRC Fixed 80% Application fee: £0

Completion fee: £0
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £188,000.00 payable over 17 years initially on a fixed rate for 5 years at 2.59% and then on our Standard Variable Rate of 4.74% for the remaining 12 years would require 60 monthly payments of £1,139.48 and 144 monthly payments of £1,284.87.

The total amount payable would be £253,700.08 made up of the loan amount plus interest (£65,365.08),  a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 3.7% APRC representative.

Find out more
5 Year Fixed Rate 2.94% 4.74% 4.1% APRC Fixed 90% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £234,684.00 payable over 24 years initially on a fixed rate for 5 years at 2.94% and then on our Standard Variable Rate of 4.74% for the remaining 19 years would require 60 monthly payments of £1,139.92 and 228 monthly payments of £1,325.44.

 

The total amount payable would be £371,144.52 made up of the loan amount plus interest (£135,086.52), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

 

The overall cost for comparison is 4.1% APRC representative.

Find out more
5 Year Fixed Rate 3.14% 4.74% 4.2% APRC Fixed 90% Application fee: £0

Completion fee: £0
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £235,509.00 payable over 24 years initially on a fixed rate for 5 years at 3.14% and then on our Standard Variable Rate of 4.74% for the remaining 19 years would require 60 monthly payments of £1,164.36 and 228 monthly payments of £1,330.85.

The total amount payable would be £373,645.40 made up of the loan amount plus interest (£137,761.40),  a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.2% APRC representative.

Find out more
Low Deposit 5 Year Fixed Rate 3.94% 4.74% 4.5% APRC Fixed 95% Application fee: £199

Completion fee: £0
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £163,237.00 payable over 29 years initially on a fixed rate for 5 years at 3.94% and then on our Standard Variable Rate of 4.74% for the remaining 24 years would require 60 monthly payments of £787.15 and 288 monthly payments of £852.81.

The total amount payable would be £293,037.28 made up of the loan amount plus interest (£129,576.28), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE