A two year fixed rate mortgage will protect you against potential interest rate rises as your mortgage repayments will remain fixed for the length of the agreement.
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| Company | Loan to Value | Initial Rate | APR | Period | Fee | |
|---|---|---|---|---|---|---|
 | 80% | 3.49% | 4.0% | 2 Years | £599 product fee | Proceed |
| 70% | 2.84% | 3.9% | 2 Years | £599 product fee | Proceed |
 | 75% | 3.55% | 4.1% | 2 Years | £995 product fee | Proceed |
| 80% | 4.29% | 4.1% | 2 Years | fee free | Proceed |
 | 75% | 3.85% | 4.6% | 2 Years | £995 product fee | Proceed |
| 75% | 3.25% | 4.4% | 2 Years | fee free | Proceed |
Why choose a two year fixed rate mortgage
Two year fixed rate mortgages often come with a higher arrangement fee than tracker mortgages. Despite this, they remain popular with borrowers as your monthly repayments are fixed for a two year period, which means if interest rates increase your monthly repayments will remain the same.
However, if rates drop during the two year period you will not benefit from the lower mortgage interest rates that are available. Also, if rates do rise over the two year period you could end up having a sharp increase in your monthly repayments when your two year deal ends.
