Today’s best 2-year fixed rates, the UK’s default short fix.
The lowest 2-year fixes available right now — purchase or remortgage, every deposit size, drawn from 40+ lender product books and re-ranked every night.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 S Skipton BSBest rate | 3.24% | £1,217on £250,000 | Oct 2028 | 6.29% | None | See full deal → |
| 2 H Halifax | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 3 L Lloyds Bank | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 4 H Halifax | 4.27% | £1,357on £250,000 | Sept 2028 | — | £999 | See full deal → |
| 5 L Lloyds Bank | 4.27% | £1,357on £250,000 | 2 yrs | 7.24% | £999 | 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.
Two-year fixes are the UK’s most-shopped mortgage term, and for straightforward reasons: they consistently attract the keenest headline rates in the fixed market, and they expire quickly enough to feel manageable. The trade-off is the remortgage treadmill. Every two years you face the same process again — application, valuation, solicitor for remortgage, product fee — and those costs accumulate. Over a 25-year repayment mortgage the total friction of twelve back-to-back 2-year fixes adds up materially, even before accounting for any periods where you sit on the follow-on rate.
Two-year fixes suit borrowers with a genuine reason to expect change. If you’re planning to move, overpay substantially, or believe your circumstances will shift within a couple of years, the short commitment is a feature rather than a cost. They also suit those who want to re-shop frequently and have the appetite for the admin. For everyone else, the certainty maths for a 5-year fix is worth running before defaulting to the shorter term purely on rate.
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.
Mortgages only
We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.
Frequently asked questions
How these tables work, and how to choose between the deals on them.