Today’s best 10-year fixed rates, a decade of payment certainty.
The longest mainstream fixed term — best buys from the lenders that price it, re-ranked every night from self-ingested product data.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N Nationwide BSBest rate | 4.94% | £1,453on £250,000 | 10 yrs | 6.49% | £999Free valuation | See full deal → |
| 2 S Santander UK | 4.96% | £1,456on £250,000 | 10 yrs | 6.50% | £999Free legalsFree valuation | See full deal → |
| 3 H HSBC Bank | 5.01% | £1,463on £250,000 | Oct 2036 | 6.24% | £999Free valuation | See full deal → |
| 4 S Santander UK | 5.04% | £1,467on £250,000 | 10 yrs | 6.50% | £999 | See full deal → |
| 5 N Nationwide BS | 5.04% | £1,467on £250,000 | 10 yrs | 6.49% | £999Free valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Ten-year fixes serve a narrow but genuine need: complete payment certainty for a decade, regardless of what the Bank of England does in between. The lender choice is deliberately thin — typically around five active lenders at any one time — and that’s a reflection of the market, not a data gap. Most lenders find it difficult to fund a product they can’t reprice for a decade, so those that do offer it charge accordingly. The rate premium over a 5-year fix is the cost of the extra five years of certainty.
Two factors matter far more on a 10-year fix than on any shorter term. First, the ERC schedule: charges typically slide from around 5% in year one down to 1% in year ten, meaning an early exit in the first few years is expensive relative to the loan size. Second, portability is essential to check: if you’re not certain this is a forever home, you need written confirmation the product is portable to a new property. A 10-year fix makes most sense for someone on a fixed income — pension, salary cap, or similar — whose overriding priority is a known monthly outgoing, and who has a high degree of confidence they won’t need to exit early.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.