Best 2-year fixed rates for home movers.
Carrying equity into your next home unlocks sharper LTV bands. These are the best 2-year fixes available to home movers right now — re-ranked from lender product data every night.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 L | 4.94% | £1,453on £250,000 | Dec 2028 | 7.24% | £999 | See full deal → |
Free legalsnot includedFree valuationnot included | ||||||
| 2 S | 5.02% | £1,464on £250,000 | Jan 2029 | 6.50% | £1,499 | See full deal → |
Free legalsnot includedFree valuationincludedCashback£250 | ||||||
| 3 L | 5.11% | £1,478on £250,000 | Dec 2028 | 7.24% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationnot included | ||||||
| 4 H | 5.31% | £1,507on £250,000 | Dec 2028 | 7.24% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationnot included | ||||||
| 5 S | 5.34% | £1,511on £250,000 | Jan 2029 | 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.
Home movers come to the 2-year fixed market with an advantage most first-time buyers lack: accumulated equity. That equity compresses your loan-to-value ratio, often landing you in the 60–75% LTV bands where pricing is genuinely competitive. The table above filters by LTV so you can price the band your sale proceeds actually buy you — the difference between an 80% and 75% LTV deal can be meaningful, and it only takes a small increase in your offered price or a modest early overpayment to cross it.
The trade-off specific to movers here is timing. A 2-year fix reverses in roughly the same window as a typical house purchase chain — you’ll be shopping for your next deal not long after settling into the new property. If you’re in a long chain, there’s a real risk your rate offer (typically valid for around six months) expires before you exchange. Locking a 2-year fix at the earliest opportunity and then managing the clock is a different calculation from a 5-year deal where the offer expiry pressure matters less.
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.