Expert Mortgage Advice & 10-Year Fixed-Term Deals For You

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find low % 10-year fixed mortgage deals.

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So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

Find a 10-year mortgage

There are a lot of mortgage deals on the market today that allow you to fix your rates and monthly payments, sometimes for as much as 10 years. You can apply for a 10-year fixed mortgage if you decide that is the most suitable option for you and your circumstances.

The mortgage provider will then look at your finances to decide if you can afford it. For more information and guidance about 10-year mortgage rates or any other type of mortgage get in touch with Finance Advice Centre today. Our specialist advisers will answer any questions you might have and can help find the most suitable deals for you.

How to find the best 10-year fixed rate mortgage?

If you are not sure what to look for when searching for mortgage deals then the following information should point you in the right direction.

You can find 10-year fixed mortgage rates by checking:

  • The interest rate – which will influence how much your payments cost over the next 10 years
  • The loan to value (LTV) – the percentage of the property’s value that the mortgage is covering
  • Fees and charges – that you pay to take out the mortgage

You may be able to use these mortgage deals to buy your first home, get a remortgage, or move to a new house.

Why should you get a 10-year fixed mortgage?

With a guarantee that your interest rate won’t change for the full 10 years, you will have certainty regarding your monthly repayments, knowing that the amount you pay each month won’t change for a decade. Even if the Bank of England’s base rate or your provider’s standard variable rate (SVR) goes up, your mortgage payments will stay the same. This can make long term budgeting and financial planning much easier, especially if you would struggle to afford your monthly payment if it were to go up.

If interest rates rise during the 10-year term of your mortgage, you will probably save money by not being on a variable rate. You could possibly find yourself on one of the cheapest mortgage rates available. Also, by signing up to a long-term deal you can avoid having to pay to arrange a new deal in a few years’ time.

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

Are there any drawbacks to getting a 10-year fixed rate mortgage?

The interest rate on a 10-year mortgage often starts off higher than other types of interest. This means you could end up with a more expensive mortgage if variable interest rates stay the same or go down, making it possibly not the best mortgage deal for you. Also, keep in mind that you can’t switch to a cheaper deal until the end of the 10-year term unless you pay an early repayment charge, which can sometimes be very expensive, amounting to hundreds or even thousands of pounds. Therefore, you’re likely to end up paying over the odds for several years if rates go down during the 10-year term of your deal.
What other fixed rate mortgages are available?
You do have the option to get a shorter-term fixed rate mortgage if 10 years is too long. If you are looking for a cheaper mortgage, a shorter length could work out better for you. You can compare all fixed rate mortgages to find one that will suit you or choose a deal with a fixed rate for:

  • One year or less e.g. 3 or 6 months
  • Two years
  • Three years
  • Five years
  • The lifetime of the mortgage (i.e. until you have paid it all off)

Where can you find the best 10-year mortgage rates?

If you decide a 10-year fixed rate mortgage is the right choice for you, the next thing you should do is compare the deals that are on offer. The amount you will pay also depends on current mortgage interest rates and how expensive or cheap they are.

The most suitable 10-year fixed rate mortgage for you will be the one you can afford over the duration of the mortgage, so you need to consider all costs including any fees and interest payments. There is a lot of competition in the mortgage market so be sure to compare a wide range of providers and offers before you sign on the dotted line and commit to a mortgage. Finance Advice Centre can assist you with finding the most suitable deals.

Is now a good time to get a 10-year fixed mortgage?

The financial impact of the coronavirus pandemic has pushed interest rates to record lows in 2020 and 2021. The base rate has plunged from 0.75% at the beginning of last year to just 0.1% towards the end of last year. Mortgage providers have also reduced their rates, paving the way for some of the cheapest fixed rate deals in property market history.
As the UK is now in recession it is unlikely that interest rates will start going up anytime soon and there is little room for them to decrease any further at this point. So, a fixed rate mortgage that allows you to lock in today’s low rates for 10 years can definitely be an attractive option.

However, the coronavirus pandemic is a good example of how unexpected events can completely change the interest rate environment. Even though we can be fairly confident that interest rates will increase again at some point, it is impossible to predict when and by how much, so make sure you think about your decision carefully before fixing your mortgage rate.

How much could you save by remortgaging with a 10-year fixed rate?

You can potentially save thousands of pounds a year by switching from your lender’s SVR to the best 10-year fixed rate mortgage. However, when calculating how much you can save by switching your mortgage it is essential to factor in the fees and charges involved in doing so, as well as the interest rate.

10-year mortgage costs include:

  • Arrangement fee – typically this is around £1,000 but can be anything up to £2,000
  • Booking fee – normally £99-£300
  • Telegraphic transfer fee – usually £25-£50
  • Valuation fee- typically £150-£1,500 depending on the value of your property
  • Mortgage account fee – normally £100-£300
  • Exit/closure fee – usually £75-£300
  • Early repayment charge – typically between 1-5% of the value of your remaining loan. These charges, known as ERCs, only normally apply if you want to switch during your mortgage term

Should you switch to a 10-year fixed mortgage?

If you still have a significant amount to pay on your mortgage, remortgaging to a 10-year mortgage could be a very wise decision, especially if and when mortgage rates start increasing again. However, if you only have a few years and a small amount to pay back on your mortgage, it might not be worth remortgaging when you take into account the fees and inconvenience involved in doing so.
What happens at the end of the 10-year term?

At the end of your term, you will be switched to paying the lender’s standard variable rate which is usually higher. However, at that point you may be able to change to a new deal with a better rate. If you need help finding well-priced 10-year mortgage rates it is advisable to speak to a mortgage adviser. Our team at Finance Advice Centre can give you professional advice from their extensive experience in the mortgage industry and help you find the most suitable deals that will fit with your personal circumstances. Contact us today and get all the help you need with mortgages.

As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

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