We'll find the best fixed rate mortgage for you | Deal Direct
  • Contact
  • About us
  • Careers
  • Regulatory Info
    • Menu

    Find the best fixed rate mortgage for you online now

    Compare deals from the UK's lenders in minutes

    • Real-time mortgage quotes based on your criteria
    • Quickly compare the mortgage market
    • Quote will not affect credit score
    • Mortgage experts on hand to help

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

    experience a 5 star customer service

    Unsure which mortgage option is right for you?

    If you’re unsure which mortgage option is right for you – call today to speak with one of our mortgage experts or talk with us via our live mortgage advisor help chat.

    To speak to a mortgage advisor call 0800 029 1671
    Request a callback
    Live Mortage Help

    We’ve made getting the best mortgage deal fast and simple

    See why 1,000s of customers choose to Deal Direct

    • We compare the UK mortgage market for you
    • Our mortgage advisors are with you every step of the way
    • We’ve helped thousands of happy customers get the right mortgage
    • Online, by phone or live chat – complete your mortgage your way

    What our customers say…

    Efficient & professional service

    From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

    Jane R.
    5 Star via TrustPilot

    THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

    Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

    Mortgages

    • Overall cost for comparison: Estimated to be 6.70% APRC
    • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
    • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
    • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

    We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

    A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

    Secured Loans

    Representative example: Based on borrowing £20,000 over 60 months:

    • Interest Rate: 7.55% fixed for 60 months
    • Monthly instalments: £448.16
    • Fees: Broker fee (£2,000); Lender fee (£395)
    • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
    • Overall cost of comparison: 9.50% APRC
    • Loan terms: Minimum 36 months, maximum 360 months
    • Maximum APRC: 29%
    • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

    Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

    Your adviser will confirm all costs in writing prior to any application being made.

    Insurance

    £200,000 life cover at £9.67 per month

    Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

    Important Assumptions

    This quote is for illustrative purposes and assumes:

    • You are in good health with no adverse family medical history
    • You don’t regularly participate in hazardous sports or activities (more than once per month)
    • Your occupation is not classified as high risk
    • Premiums paid monthly by direct debit

    What’s Included

    £200,000 lump sum payment on death during the policy term
    Terminal illness cover (12-month prognosis)
    Fixed premiums for the full 25-year term
    No medical exam required for this coverage level (subject to health questions)

    Key Exclusions

    • Death resulting from excluded pre-existing conditions

    Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

    Commission Disclosure

    The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

    Our Services

    • We are not limited in the range of mortgages we will consider for you
    • We can offer advice on both first and second charge loans
    • We offer a comprehensive range of mortgages from across the market
    • Note: We do not offer deals that you can only obtain by going direct to a lender
    • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

    © 2025 Deal Direct Financial Solutions Ltd

    Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

    Find the best fixed rate mortgage for you with Deal Direct

    In today's market, knowing whether a fixed rate mortgage is the right home financing solution for you in the first place can be a challenge. After that, you are faced with sifting through thousands of products with rates set at different levels and a dizzying array of incentives, terms and conditions. How then do you determine which fixed rate mortgage matches your circumstances and meets your borrowing needs?

    Fortunately, help is available. Consulting with leading mortgage broker, Deal Direct, can clarify what are otherwise extremely muddy waters by answering some important questions.

    Is a fixed rate mortgage the borrowing solution you need?

    Fixed rate mortgages are extremely popular at the moment. Their most important advantage is that you know what your monthly repayments will be from the outset. At this time of economic uncertainty in the UK, knowing how much you need to make your mortgage repayment every month creates a level of security. They also help with:

    • creating stability
    • being able to plan for the future
    • being able to save

    in a way that other types of mortgages can't.

    Are there drawbacks to a fixed rate mortgage?

    A fixed rate mortgage isn't for everyone and there are factors to consider before you start searching for one. These include your future plans and the level of flexibility you think you'll need.

    A positive is knowing what your fixed payment would be but it could also be a negative if rates drop during the term of your fix. While locking yourself into a low rate for a set period of time creates certainty, releasing yourself from a fixed term can be expensive. If your mortgage isn't portable, you may have hefty exit fees to pay.

    To construct a detailed picture and tailor the right mortgage solution for you, Deal Direct’s experts would find it helpful to know about your personal and professional circumstances. Things to think about include:

    • Do you have children (or plan to) and how old are they?
    • What is the likelihood of family moving in with you or moving out?
    • What your current employment status is – employed/self-employed/contractor/business owner?
    • What is the likelihood of a professional promotion or change of career?

    The answers to these questions will help to determine whether a fixed rate mortgage is the right borrowing solution for you or whether another type of mortgage would be more suitable.

    Which fixed rate mortgage is suitable for you?

    Fixed rate mortgages are available for varying terms including 2, 3, 5, 7 and 10 years.

    The length of term you choose will be determined by your individual circumstances and priorities, as we’ve mentioned.

    The shorter terms are popular with people who need flexibility and the longer terms for those who want stability. Fixing for a longer term has its advantages in that you know what you will be paying every month, BUT how certain are you at this point in your life that you won’t be moving or you won’t need to release equity to renovate or consolidate debts?

    Having said that, fixing for longer terms of 5 to 10 years is becoming more popular as rates are still low. The uncertainty around Brexit is most likely to be responsible for this as borrowers fear further hikes in the base rate. A higher base rate means more expensive mortgage repayments in the future.

    What service can Deal Direct offer that other brokers can't?

    The experience that Deal Direct has accumulated over more than a decade has given us an in-depth knowledge of the market that is hard to match elsewhere. Consequently, our advisors are highly skilled with an unrivalled level of expertise.

    After so many years finding fixed rate mortgage solutions for borrowers, you might be wondering what they’ve had to say about the level of service they’ve received. You can read their opinions here:

    › Review Centre
    › TrustPilot
    › Reviews.co.uk

    As a broker, we have a comprehensive panel of lenders which means we can offer a level of choice and objectivity.

    Consulting Deal Direct means we can offer you unbiased recommendations that are tailored to your individual situation, priorities and needs.

    Find the right fixed rate mortgage for you by discussing your requirements with a Deal Direct expert.

    Call our offices today on 0800 029 1671 or click the box below for an online quote.

    Get Best Quote ›

    Loan to value too high
    Should this be a Joint Application?