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STRAIGHTFORWARD MORTGAGE ADVICE

If you want the monthly mortgage cost certainty a 10 year fixed rate deal can bring - L&C can help. We'll find the best 10 year fixed rate mortgage for your circumstances and make sure you're eligible before you apply. Not only that, a dedicated case manager will handle all the paperwork and make the process hassle-free. Our award-winning, fee free service is just a phone call away.

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We search 1000s of deals from over 90 mortgage lenders including Barclays, Natwest, HSBC, TSB & Halifax

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We'll make sure you qualify before you apply & your case manager will handle all the paperwork

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We're the UK's largest fee free mortgage broker and we're proud to have won more than 160 awards

Want to find the best TEN YEAR fixed rate mortgage DEAL?

Choosing the right mortgage can be really tricky. At L&C our expert advisers guide you through the process and will find you the best 10 year fixed rate mortgage for your circumstances.

or call us FREE today on

0808 292 0724

search today's BEST 10 year MORTGAGE RATES

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Bank of Ireland
Max LTV 75%:
Fixed to 31/05/31
Initial rate
4.75%
then 8.04% (variable)
Monthly repayments
£713
Scheme fees
£995
Annual cost
£8,694
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 31/05/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.75% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £712 and 216 payments of £906. The total amount payable would be £256,499 made up of the loan amount plus interest (£130,504) and fees (£995). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Nationwide
Max LTV 60%:
Fixed for 10 years
Initial rate
4.78%
then 7.99% (variable)
Monthly repayments
£715
Scheme fees
£798
Annual cost
£8,658
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
7% reducing to 1.5% for 10 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.78% and then on a variable rate of 7.99% for the remaining 15 years would require 120 payments of £714 and 180 payments of £875. The total amount payable would be £243,978 made up of the loan amount plus interest (£118,180) and fees (£798). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Nationwide
Max LTV 75%:
Fixed for 10 years
Initial rate
4.78%
then 7.99% (variable)
Monthly repayments
£715
Scheme fees
£798
Annual cost
£8,658
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
7% reducing to 1.5% for 10 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.78% and then on a variable rate of 7.99% for the remaining 15 years would require 120 payments of £714 and 180 payments of £875. The total amount payable would be £243,978 made up of the loan amount plus interest (£118,180) and fees (£798). The overall cost for comparison is 6.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
First Direct
Max LTV 60%:
Fixed for 10 years
Initial rate
4.78%
then 6.99% (variable)
Monthly repayments
£715
Scheme fees
£490
Annual cost
£8,627
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 10 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.78% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £714 and 180 payments of £823. The total amount payable would be £234,310 made up of the loan amount plus interest (£108,820) and fees (£490). The overall cost for comparison is 5.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.6% APRC
?
First Direct
Max LTV 75%:
Fixed for 10 years
Initial rate
4.78%
then 6.99% (variable)
Monthly repayments
£715
Scheme fees
£490
Annual cost
£8,627
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 10 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.78% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £714 and 180 payments of £823. The total amount payable would be £234,310 made up of the loan amount plus interest (£108,820) and fees (£490). The overall cost for comparison is 5.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.6% APRC
?
Bank of Ireland
Max LTV 85%:
Fixed to 31/05/31
Initial rate
4.82%
then 8.04% (variable)
Monthly repayments
£718
Scheme fees
£1,495
Annual cost
£8,826
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 31/05/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.82% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £717 and 216 payments of £908. The total amount payable would be £257,851 made up of the loan amount plus interest (£131,356) and fees (£1,495). The overall cost for comparison is 6.6% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
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About L&C

L&C is the UK's largest fee free mortgage broker. Since 2002 we have won over 160 awards. We have offices in Bath, Newcastle-upon-Tyne and London. We're on hand 7 days a week.

What fee free really means

Like all other brokers, we receive a payment from the lender when the mortgage completes. The difference is that unlike other mortgage brokers, we simply choose not to charge our customers a fee on top of this.

"You'll pay no more applying through us than you would going directly to the lender on the same deal."
L&C is an award-winning
What Mortgage
Awards

Best Online Mortgage Broker 2022

Legal & General Business Quality Awards

Outstanding Customer Outcome (51+ employees) 2022

The Personal Finance Awards

Best Mortgage Broker
(40 advisers and over) 2022