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2 Year Fixed Rate Mortgage

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

FIIX097

Interest Rates

Initial rate of 5.80% 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)

90%

Loan Amount

£30,000 - £750,000

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

999

Incentives

10% overpayments per annum

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

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

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 Linzi, Newcastle for Intermediaries BDM

Linzi Stafford

Telephone

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

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

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

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.