Best 10-year fixed remortgage rates, the decision to stop playing the market.
A small market served by only a handful of lenders, for borrowers who want absolute certainty over a decade. Re-ranked nightly from our lender data ingest.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 S | 5.26% | £1,500on £250,000 | Jan 2037 | 6.50% | £999 | See full deal → |
Free legalsincludedFree valuationincludedCashback£250 | ||||||
| 2 L | 5.27% | £1,501on £250,000 | Dec 2036 | 7.24% | £999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 3 S | 5.41% | £1,522on £250,000 | Jan 2037 | 6.50% | None | See full deal → |
Fee saverincludedFree legalsincludedFree valuationincludedCashback£250 | ||||||
| 4 L | 5.44% | £1,526on £250,000 | Dec 2036 | 7.24% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationincluded | ||||||
| 5 H | 5.47% | £1,531on £250,000 | Dec 2036 | 7.24% | £999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
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.
A 10-year fixed remortgage is not a rate decision in the ordinary sense. The rate matters, but the more important question is whether you are genuinely comfortable accepting whatever the market offers in 2036 — because the ERC on a 10-year fix will make early exit expensive for most of its life. The borrowers for whom it works best are usually those with a long remaining term, stable employment, no realistic prospect of selling, and a specific reason why payment certainty over a decade is worth the premium over a 5-year fix.
The market is small enough that comparison matters in an unusual way here. With around five lenders active at any one time, the difference between the best and worst rate available can be larger than in the mainstream 2 and 5-year markets — and there is no guarantee the cheapest lender today has the most favourable terms on early repayment, porting, or overpayment. The tables rank on rate, but the small print on a 10-year commitment deserves proportionally more scrutiny than on a shorter deal.
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.