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10 Year Fixed Rate Moving Home Mortgages

Compare the best 10 year fixed rate moving home mortgages.

The mortgages below show the best mortgage rates available for those who are moving home and are looking for a 10-year fixed rate mortgage deal. You can personalise the chart below by adding the value of the property you want to buy and the value of the mortgage you want to get.

If you're not moving home you can also search for remortgages and first-time buyer mortgages.

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Compare Fixed Rate Mortgage Terms

Best 10 Year Fixed Rate Mortgages

Best 10 Year Fixed Rate Mortgages

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  • Barclays Mortgage Fixed
    Rate
    3.58%
    3.58% Fixed to 31/08/2032
    reverting to 4.49%
    APRC
    4.0%
    Max LTV
    60%
    Product Fees
    £999.00
    Initial Payment
    £1,100.74
    Total Over
    Go To Provider's Site
  • Barclays Mortgage Fixed
    Rate
    3.65%
    3.65% Fixed to 31/08/2032
    reverting to 4.49%
    APRC
    4.0%
    Max LTV
    80%
    Product Fees
    £999.00
    Initial Payment
    £1,108.98
    Total Over
    Go To Provider's Site
  • Halifax Fixed
    Rate
    3.33%
    3.33% Fixed to 31/08/2032
    reverting to 4.49%
    APRC
    3.8%
    Max LTV
    60%
    Product Fees
    £995.00
    Initial Payment
    £1,071.58
    Total Over
    Speak To A Broker
  • Nationwide BS Fixed
    Rate
    3.34%
    3.34% Fixed for 10 years
    reverting to 4.49%
    APRC
    3.8%
    Max LTV
    60%
    Product Fees
    £999.00
    Initial Payment
    £1,072.74
    Total Over
    Speak To A Broker
  • TSB Fixed
    Rate
    3.44%
    3.44% Fixed to 31/08/2032
    reverting to 4.49%
    APRC
    3.9%
    Max LTV
    60%
    Product Fees
    £995.00
    Initial Payment
    £1,084.36
    Total Over
    Speak To A Broker
  • Halifax Fixed
    Rate
    3.45%
    3.45% Fixed to 31/08/2032
    reverting to 4.49%
    APRC
    3.9%
    Max LTV
    60%
    Product Fees
    £0.00
    Initial Payment
    £1,085.52
    Total Over
    Speak To A Broker
  • Newcastle BS Fixed
    Rate
    3.50%
    3.50% Fixed to 31/10/2032
    reverting to 3.96%
    APRC
    3.7%
    Max LTV
    80%
    Product Fees
    £0.00
    Initial Payment
    £1,091.36
    Total Over
    Speak To A Broker
  • Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

  • Yorkshire Building Society Fixed
    Rate
    3.54%
    3.54% Fixed to 30/09/2032
    reverting to 4.99%
    APRC
    4.1%
    Max LTV
    75%
    Product Fees
    £995.00
    Initial Payment
    £1,096.04
    Total Over
    Speak To A Broker
  • Nationwide BS Fixed
    Rate
    3.59%
    3.59% Fixed for 10 years
    reverting to 4.49%
    APRC
    3.9%
    Max LTV
    60%
    Product Fees
    £0.00
    Initial Payment
    £1,101.91
    Total Over
    Speak To A Broker
  • Yorkshire Building Society Fixed
    Rate
    3.64%
    3.64% Fixed to 30/09/2032
    reverting to 4.99%
    APRC
    4.1%
    Max LTV
    75%
    Product Fees
    £0.00
    Initial Payment
    £1,107.80
    Total Over
    Speak To A Broker
Representative Example
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Any contractual relationship will be with Mortgage Advice Bureau.

Disclaimer

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

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What are the best 10-year fixed rate mortgages?

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • Long-term mortgages give you a big period during which your mortgage repayments will be fixed
  • Budgeting over the next 10 years become easier as you know exactly what your mortgage will be
  • 10 year mortgages are rising in popularity meaning you now have more choice than ever
  • Should interest rates fall in the next decade you may find yourself paying more than you could have done for your mortgage

What is a 10-year fixed rate mortgage?

10-year fixed rate mortgages ‘freeze’ your mortgage repayments at a set figure for 10 years. This is popular with people who like to know exactly what they will be paying for their mortgage over a longer period, enabling them to budget effectively. The only drawback can be that if interest rates drop during the term of your mortgage then you may find yourself paying more than if you had been on a variable rate or shorter-term deal.

 

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.

 

Speak to an award-winning mortgage broker today

 

Moneyfacts.co.uk partner with Mortgage Advice Bureau

 

Get friendly, expert advice free of charge as a visitor of moneyfacts.co.uk.

Mortgage Advice Bureau have 1,600 UK advisers with 150 awards between them.

Speak to an award-winning mortgage broker today.

Call 0808 149 9177 or request a callback

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Is it a good idea to fix my mortgage for 10 years?

The answer to this very much depends on both your own circumstances and what is likely to happen to interest rates over the next decade. 10 years is a long time and, as yet, no-one has managed to successfully predict with 100% accuracy what will happen to interest rates over such a long period of time.

The only solution is to make a judgement call based on what is good for you. Having fixed mortgage payments for a long-time gives you a great deal of certainty on what you’ll be paying – if this suits your personal circumstances then you probably think this outweighs the possibility that rates will drop even further.

If you are uncertain then you might want to consider locking your rate in for a lesser period, like five years, instead of the full 10. Of course, shorter-periods, such as two-year or three-year fixed terms, are also available.

 

Pros and cons of 10 year fixed rate mortgages

  • You can budget for the long-term, safe in the knowledge that your mortgage repayments will remain the same for 10 years
  • You protect yourself from any interest rate rises that might occur over the decade
  • 10 year long-term mortgages offer some of the lowest interest rates of any fixed term deals
  • The rising popularity of this type of mortgage means that choice and competition are improving – giving you more scope to choose the best deal for you
  • Many of these mortgages are portable – meaning that you can move home and take you mortgage deal with you
  • Fixing for shorter periods mean you must pay a fee each time you do this. With a long-term fixed rate fee you only one lot of fees for the decade
  • If mortgage rates go down then you may find yourself locked in to paying over the odds for your mortgage until your deal ends
  • Fixed rates with a smaller term offer you the benefit of being able to move deals more frequently
  • Your circumstances could change dramatically in 10 years
  • Potentially very high early repayment fees
  • No ability to move to a better deal by taking advantage of improving Loan-to-Value during the fixed rate period.

Moneyfacts tip

Moneyfacts tip nigel woollsey

When deciding about a 10 year fixed rate mortgage make sure you consider all the factors of the deal being offered, such as the incentive package or things like the ability to take payment holidays, that can give you extra flexibility

Compare 10 Year Fixed Rate Mortgages

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