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5 Year Fixed Rate Mortgage - GFHS
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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
GFHS053
Interest Rates
Initial rate of 5.85% until 31st October 2029 reverting to our Standard Variable Rate (currently 6.94%) from 1st November 2029.
Maturity Date
31 October 2029
Maximum Loan to Value (LTV)
95%
Loan Amount
£50,000 - £399,000
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
5 Years
Reservation Fee
0
Completion Fee
0
Incentives
10% overpayments per annum
Free standard valuation up to £500k
Early Repayment Charge
5% of balance outstanding until 31st October 2025.
4% of balance outstanding until 31st October 2026.
3% of balance outstanding until 31st October 2027.
2% of balance outstanding until 31st October 2028.
1% of balance outstanding until 31st October 2029.
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.
Judi Hancock
South East
Postcodes:
SO, PO, GU, RH, BN, TN, ME, CT, SS, CM, CO, BR, DA, CB, IP, RM
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
Rebecca Roberts
London
Postcodes:
HP, SL, AL, WD, HA, UB, TW, KT, CR, SM, EN, IG, E, EC, W, N, NW, SE, SW, WC
Kam Gill
Midlands
Postcodes:
TF, ST, DE, NG, LN, WV, WS, DY, WR, B, CV, LE, NN, PE, NR, SY
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
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.