Can I remortgage early during the two-year term?

Yes, in fact in some cases it can be worth starting the remortgage process before the end of your current two-year fixed mortgage deal as it gives you more time to find a more competitive deal for your circumstances and avoid reverting to your lender’s costly Standard Variable Rate (SVR) . If you do decide to remortgage early, be aware you’re likely to wind up paying early repayment charges to help settle your current deal, so make sure you don’t end up paying more than you save.

Why does my two-year fix end in less than two years?

A lot of lenders use a fixed end date on their products, which while updated regularly, can sometimes mean your deal is slightly more or less than two years. You can see exactly how long a mortgage is fixed for on our charts by looking below the rate on each listing.

What’s a “fixed-end date” mortgage? Is it still a two-year fix?

Yes, a mortgage with a fixed end date of roughly two years is considered a two-year fixed rate mortgage on our comparison charts , however, there are also deals that will be fixed for exactly two years after the loan is made.

Can I “port” my two-year fix if I move home?

Mortgage porting allows you to transfer your current deal, including a two-year fix, over to a new property, which can be useful for savings on fees and the hassle of finding a new mortgage. Keep in mind that not every mortgage can be ported, and even if yours can, you’ll still need to be reassessed by your lender to ensure you meet the requirements. You can find out more about mortgage porting .

Are two-year fixed rates ever more expensive than five-year ones?

Again, it depends. Although two-year fixed rates are usually lower than five-year fixed rates, market volatility (such as after the 2022 “mini-Budget”) can sometimes reverse this. For this reason, it’s worth actively comparing the latest mortgage rates when you’re in the market for a new deal.

2 year Fixed Rate Mortgages

Home Mortgages 2 year fixed rate

Start comparing the latest two-year fixed rate mortgages currently available on the chart below. Use our ‘Full Search’ feature to filter products and get tailored results based on your individual preferences.

Moneyfactscompare.co.uk has been comparing mortgages for 25 years, helping consumers find the most competitive deals on the market.

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