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- Best 10 Year Fixed-Rate Mortgages - August 2025
10 year fixed rate mortgages
Tell us about yourself and our broker partner Mojo will find the best 10-year fixed-rate mortgage deals for you.
Compare 10 year fixed rate mortgages from 70+ lenders across the whole of market
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What is a 10 year fixed rate mortgage?
On a ten-year fixed-rate mortgage deal, your mortgage interest rate will stay the same for 10 years, regardless of what happens to the Bank of England base rate or across the mortgages industry generally. This gives you certainty that your mortgage payments won't change for an entire decade.
The best ten-year fixed mortgage rates
This table shows some of our partner Mojo's best 10-year fixed-rate mortgage deals, based on initial rate available at different loan-to-value (LTV) ratios. You can also check out the average mortgage rates today across a range of products on our rates page.
LTV is the amount you borrow compared to the value of the property. This rate is what you pay during the introductory deal period (for a ten-year fixed-rate mortgage, the introductory period is ten years).
We've also included the Annual Percentage Rate of Change (APRC), after the initial rate for each deal. APRC takes fees and the lender's standard variable rate (or SVR) - into account, so it can be useful when comparing the overall cost of different deals. Bear in mind, though, that you may choose to remortgage onto another deal rather than automatically moving onto the SVR - in which case the APRC is less helpful.
Your property may be repossessed if you do not keep up with your mortgage repayments.
- 10 years
- Fixed rate
- £ 250 cashback
- Monthly repayment£ 917.72
- Loan to value60 %
- Initial interest rate4.34 %
- Variable rate6.75 %
- APRC4.5%
- Product fees£ 1,224
Representative example:Repayment mortgage of £168,000.00 over 25 years, representative APRC 4.5%. Repayments: 123 months of £917.72 at 4.34% (fixed), then 177 months of £1,071.34 at 6.75% (variable). Total amount payable £302,506.74. Early repayment charges apply until 02-Dec-2035. Arrangement, mortgage discharge, valuation and CHAPS fees total £1224. Legal fees £184.75.
- 10 years
- Fixed rate
- £ 500 cashback
- Monthly repayment£ 1,077.23
- Loan to value70 %
- Initial interest rate4.39 %
- Variable rate6.74 %
- APRC5.4%
- Product fees£ 1,014
Representative example:Repayment mortgage of £196,000.00 over 25 years, representative APRC 5.4%. Repayments: 120 months of £1,077.23 at 4.39% (fixed), then 180 months of £1,254.51 at 6.74% (variable). Total amount payable £355,079.40. Early repayment charges apply until 10 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.
- 10 years
- Fixed rate
- Monthly repayment£ 1,262.93
- Loan to value80 %
- Initial interest rate4.64 %
- Variable rate6.74 %
- APRC5.5%
- Product fees£ 1,014
Representative example:Repayment mortgage of £224,000.00 over 25 years, representative APRC 5.5%. Repayments: 120 months of £1,262.93 at 4.64% (fixed), then 180 months of £1,446.42 at 6.74% (variable). Total amount payable £411,907.20. Early repayment charges apply until 10 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.
- 10 years
- Fixed rate
- £ 500 cashback
- Monthly repayment£ 1,471.70
- Loan to value90 %
- Initial interest rate4.99 %
- Variable rate6.74 %
- APRC5.8%
- Product fees£ 1,014
Representative example:Repayment mortgage of £252,000.00 over 25 years, representative APRC 5.8%. Repayments: 120 months of £1,471.70 at 4.99% (fixed), then 180 months of £1,646.91 at 6.74% (variable). Total amount payable £473,047.80. Early repayment charges apply until 10 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.
The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.
Should I get a 10-year fixed rate mortgage?
Whether or not a 10-year fixed-rate mortgage is suitable for you depends on your personal circumstances and preferences. It's important to ask yourself:
Will my circumstances change or am I planning to move soon? Remember, your deal will be fixed for ten years and a lot can happen in this time. It can be difficult to leave a long-term fixed deal without paying high early repayment chargers (ERCs).
How important is it that my mortgage repayments won't increase for 10 years? A ten-year fix may appealing to those who really value stability and predictability. However, 10-year fixed rates can sometimes be higher than 2 or 5-year deals so it's worth considering if you're willing to pay a small premium for a decade of certainty.
Do you think mortgage interest rates generally will go up (or down) during the 10-year period? While you will be protected if rates increase significantly during your ten-year fixed-rate period, you won't benefit if rates fall either.
Advantages and disadvantages of a 10 year fixed-rate mortgage
While there are a number of advantages to a ten-year fixed-rate mortgage, it’s important to carefully consider whether this type of deal is right for you.
Your rate (and monthly repayments) won't change. The most obvious advantage of a 10-year fixed-rate mortgage is that your mortgage rate will stay the same so your monthly repayments won't fluctuate either.
Supports long-term budgeting. As long as your financial situation stays the same, your repayments won’t become unaffordable as a result of any interest rate hikes that happen within your 10-year fixed period.
Protects you from interest rate rises. If interest rates rise during the 10-year fixed period, you should save money compared to someone on a variable rate mortgage deal.
Save on fees. You won’t have to think about remortgaging or paying any of the costs associated with taking out a new mortgage deal for a long time.
Can be more expensive than shorter-term deals. You'll typically pay more for the security of locking in your rate for such a long period. However, this is not always the case, so it may be a good idea to seek advice from a mortgage broker to find the best 10 year fixed-rate deal on the market at any given time.
Early repayment charges can be expensive. If your circumstances change and you want to switch your mortgage deal or pay it off completely during the ten year period, you’ll face ERCs (early repayment charges) that can amount to hundreds or even thousands of pounds.
Your circumstances could change. Most people are far more likely to want to move house in the next decade, than in the next two years. If your mortgage is portable, you should be able to take it when you move home, but it's even more important to ensure that this is the case before committing to a long term fix.
You won't benefit if interest rates fall. If interest rates fall (or even remain relatively steady) over the next ten years, you may find that a ten-year fixed-rate option isn't the cheapest option.
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How do 10-year fixed-rate mortgages work?
A 10-year fixed-rate mortgage works in a similar way to other fixed-rate deals. Your interest rate will be locked in for ten years, so your mortgage payments are guaranteed to stay the same for a decade. Once this 10-year period is over, you'll be moved to the lender's typically more expensive Standard Variable Rate (SVR) unless you remortgage to a new deal.
Deposit requirements
A larger deposit will certainly help you to qualify for the best 10 year mortgage rates, but this is true no matter the length of your fix or whether you take a fixed or variable rate mortgage.
That's because the length of your fixed-rate mortgage deal has no direct impact on your deposit requirement - it is determined by the loan-to-value (LTV) of your borrowing (the amount you need to borrow compared to the full cost of the property).
Each lender usually has a set maximum LTV for each mortgage product, but also make adjustments based on your personal circumstances.
Interest rates
Longer term fixed-rate deals are typically more expensive than short-term fixes (2 year fixed and 5 year fixed mortgage rates) as you're paying a premium for the security of locking in a rate for longer.
Associated fees
When working out how much a 10-year fixed-rate mortgage might cost, you'll need to factor in mortgage fees and charges as well as the interest rate. This can include product fees (typically around £1,000), valuation fees (£150 to £1,000 or more depending on your property value, although some mortgage deals offer free valuations) and early repayment charges for leaving your previous deal if you're still in a fixed term.
What happens at the end of my 10-year fixed-rate deal?
It’s a good idea to compare remortgages around six months before your 10-year fixed-rate deal is due to end to see if you could switch to a cheaper deal.
You can usually lock in a remortgage rate up to six months in advance, but you won’t be tied to it until your current deal ends. This means you can switch again if a better deal becomes available before then.
Alternatives to 10-year fixed-rate mortgages
Two-year fixed-rate
With a two-year fixed-rate mortgage, your rate stays the same for two years - so your repayments won't rise during that time. Interest rates on shorter fixes may be (but are not always) lower than five-year fixed-rate deals, but offer a relatively short period of certainty.
Five-year fixed rate
A five-year fixed-rate mortgage offers the peace of mind of knowing your mortgage costs for five years, but won’t tie you into a deal for the next decade. At the current time, some are cheaper than two-year deals, so can be a good mid-length fix for some people.
Lifetime fixed-rate mortgage
You may be able to find 20, 30 or even 40-year fixes available. As most mortgage terms are 25-30 years, this means it may even be possible to fix your rate for the lifetime of your mortgage - though these kinds of mortgage products are very rare. Interest rates on this type of deal are typically very high, but you can usually remortgage without paying ERCs - although always check the individual terms and conditions.
Ten-year fixed-rate mortgages offer a decade of certainty that your mortgage payments won't rise, but they're less flexible, so consider whether your circumstances could change in that time.”Jason McDonald, Mortgage Expert
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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
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