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2 Year Fixed Rate Mortgage
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A fixed interest rate mortgage helps to make budgeting easier, as your monthly repayments stay the same each month during the fixed interest rate period.
So there's no sudden changes in how much you need to find to make your repayments even if interest rates rise or fall.
Summary information
Product Code
FIIX071
Interest Rates
Initial rate of 6.35% until 31st October 2026 reverting to our Standard Variable Rate (currently 6.94%) from 1st November 2026.
Maturity Date
31 October 2026
Maximum Loan to Value (LTV)
95%
Loan Amount
£50,000 - £500,000
Daily Interest Calculation
Interest is calculated on the balance of your account at the end of each day. Interest is accrued daily and added to your account balance on the last day of every month. Every cleared payment that is made reduces the mortgage balance and interest is recalculated on the reduced balance.
Minimum Term
2 Years
Reservation Fee
0
Completion Fee
0
Incentives
10% overpayments per annum
Free standard valuation up to £500k
Early Repayment Charge
2% of balance outstanding until 31st October 2025.
1% of balance outstanding until 31st October 2026.
Meet your BDM
Here to support you
Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.
![Headshot of Judy, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/aff45fc2-3cb5-4951-95ae-6d38d04bda16/Judy%20%28150x130%29.png)
Judi Hancock
South East
Postcodes:
SO, PO, GU, RH, BN, TN, ME, CT, SS, CM, CO, BR, DA, CB, IP, RM
![Headshot of Steven, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/b0579e0d-3735-47a9-b32f-8c9ba68ac358/Steven%20%28150x130%29.png)
Stephen Breen
North West and M62 Corridor
Postcodes:
FY, LA, PR, BD, BB, L, WN, BL, OL, HX, M, WA, CH, CW, SK, S, DN, HU, HD, LL
![Headshot of Rebecca, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/a011fcc8-6264-4c0c-a277-3b0c28d2829d/Rebecca%20%20%28150x130%29.png)
Rebecca Roberts
London
Postcodes:
HP, SL, AL, WD, HA, UB, TW, KT, CR, SM, EN, IG, E, EC, W, N, NW, SE, SW, WC
![Headshot of Kam, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/299a6456-9440-42f6-a01d-861f26857d50/Kam%20%28150x130%29.png)
Kam Gill
Midlands
Postcodes:
TF, ST, DE, NG, LN, WV, WS, DY, WR, B, CV, LE, NN, PE, NR, SY
![Headshot of Andy, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/5fc03568-8365-48aa-8bca-90df7d2726d8/Andy%20%20%28150x130%29.png)
Andy White
South West and Home Counties
Postcodes:
TA, BS, CF, BA, GL, SN, OX, RG, MK, LU, SG, BH, SP, NP, SA, LD, HR, DT, EX, TQ, PL, TR
![Headshot of Sophie, Newcastle for Intermediaries BDM](https://assets-eu-01.kc-usercontent.com:443/8a09b82e-1cf1-011c-1115-9dc18d2d065f/7298b48f-6738-431c-b3b5-994ff7335a20/Sophie%20%28150x130%29.png)
Sophie Goodwin
North East and Scotland
Postcodes:
SR, TS, DD, G, FK, KY, KA, ML, EH, DG, TD, CA, NE, DL, DH, HG, YO, LS, WF, KW, IV, PH, AB, PA
Contact our dedicated Intermediary Support Team on 0345 602 2338 or intermediary.lending@newcastle.co.uk. We're available from 8am to 6pm, Monday to Friday.