Best 10-year fixed rates for home movers.
A narrow market, but the right product for the right mover. These are the 10-year fixes live today — re-ranked nightly from lender product data.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N | 5.39% | £1,519on £250,000 | 10 yrs | 6.49% | £999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 2 S | 5.39% | £1,519on £250,000 | Jan 2037 | 6.50% | £999 | See full deal → |
Free legalsnot includedFree valuationincludedCashback£250 | ||||||
| 3 L | 5.43% | £1,525on £250,000 | Dec 2036 | 7.24% | £999 | See full deal → |
Free legalsnot includedFree valuationnot included | ||||||
| 4 N | 5.49% | £1,534on £250,000 | 10 yrs | 6.49% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationincluded | ||||||
| 5 S | 5.49% | £1,534on £250,000 | Jan 2037 | 6.50% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationincludedCashback£250 | ||||||
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.
The 10-year fixed market is genuinely small — around five lenders participate at any given time, compared with dozens across the 2 and 5-year markets. For a home mover, that thinness matters: you may find the best 10-year rate available to you is not from a lender you’d normally consider, and product choice within the term is limited. That said, the premise of the 10-year fix is particularly coherent for movers: if this is your forever home — or close to it — locking for a decade removes the remortgage cycle entirely for the first two-thirds of a standard 25-year term.
The practical catch is exit cost. ERCs on 10-year fixes typically run on a steeper schedule than on 5-year products — early years can carry charges of 5% or more, and many products only reach 1% in the final year or two. For a mover buying a property they plan to hold long-term, that charge structure is mostly irrelevant. For anyone with even a moderate chance of moving again within the decade, the ERC exposure is significant and warrants pricing against a portable 5-year fix instead. Portability is available on some 10-year products but confirm it explicitly, as it is not universal in this segment.
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
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