Compare Our Top 10-Year Fixed Mortgage Deals
Secure the most competitive 10-year fixed mortgage rates available today and enjoy a decade of payment stability. Fixing your mortgage rate offers predictability but may cost more initially than a variable one.
Understanding Fixed vs. Variable Rates
Choosing between a fixed and variable rate depends on your personal circumstances, financial flexibility, and attitude toward risk.
- Variable rates can start lower but fluctuate, leading to higher repayments if rates rise.
- Fixed deals often start higher but provide consistent payments for the loan term.
“In extreme circumstances, you could lose your home.”
When a 10-Year Fix Makes Sense
A 10-year fixed rate mortgage may suit you if you want long-term security and know you can maintain consistent repayments for the next decade.
Things to Check Before Applying
- Ensure your mortgage is portable if you plan to move within the next few years to avoid early repayment fees.
- The lender will review your income and expenses to confirm you can afford the fixed deal.
- You might qualify with a 5–10% deposit, though larger deposits often unlock better offers.
Author’s Summary
Fixed 10-year mortgages bring peace of mind and stability, especially for those seeking predictable payments despite potentially higher rates.