Best 5-year fixed rates for home movers.
Locking your rate for five years after a move gives you payment stability while you settle. The best deals available to home movers today, re-ranked every night.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 L Lloyds BankBest rate | 4.26% | £1,356on £250,000 | 5 yrs | 7.24% | £999 | See full deal → |
| 2 S Santander UK | 4.40% | £1,375on £250,000 | 5 yrs | 6.50% | £1,499 | See full deal → |
| 3 N Nationwide BS | 4.54% | £1,395on £250,000 | 5 yrs | 6.49% | NoneFree valuation | See full deal → |
| 4 S Santander UK | 4.57% | £1,400on £250,000 | 5 yrs | 6.50% | None | See full deal → |
| 5 H HSBC Bank | 4.58% | £1,401on £250,000 | Oct 2031 | 6.24% | NoneFree 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.
For movers, the 5-year fix is often the most natural choice — it covers the period when life is most likely to be in flux post-move, from decorating budgets to school fees to career changes, and keeps the mortgage payment out of the equation. Because movers typically arrive with equity from a sale, they tend to sit in lower LTV bands than first-time buyers, which means the 5-year market here is often priced more sharply than the same term on the first-time buyer table. Use the LTV filter to confirm which band your equity buys.
Porting a 5-year fix to a new property is straightforward if the loan size stays roughly flat — the existing rate moves with you. Where it gets complicated is the top-up: any additional borrowing is priced as a second sub-account at the rate available today, on its own 5-year clock. If your ported deal has, say, three years left, you’ll end up with a 5-year sub-account finishing two years after the ported portion. That misalignment means you’ll be negotiating a partial remortgage at year three rather than a clean refinance of the whole loan. A shorter top-up term — 2 or 3 years — could realign both sub-accounts at a single future date.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.