Mortgage Rates

Confident with how it works? Learn more about our mortgage types:

Our mortgage rates will differ depending upon the type of mortgage you choose. Take a look at the options below to find the mortgage and rate that best suits your circumstances.

  • Fixed Rate

    If you're looking for budgeting peace of mind, fixed rate mortgages can be a good option.

    Fixed rate mortgages fix the interest rate you pay so your monthly repayments stay the same, regardless of what happens to interest rates generally. You can choose how long your fixed rate lasts from a range of options, to give you tighter control of your own budget.

    You will always know what your monthly repayments will be. But interest rates are hard to predict and if they fall, you could end up paying more on your fixed rate than you would have done with a variable mortgage.

    Please note that any fixed promotional rate will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate and it can go up or down, usually following changes to the Bank of England's Base Rate.

  • Discount Rate

    For an agreed period, discount mortgages give you a discount off our Standard Variable Rate. The discounted rate follows any movement in our SVR, so the level of your payments can go up as well as down.

    These mortgages lower your initial monthly repayments to help you maximise your initial savings.

    Please note that any discounted promotional rate will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate, and it can go up or down, usually following changes to the Bank of England's Base Rate.

  • easyflex

    Our Bristol & West Mortgages flexible mortgage is called easyflex. It allows you to adapt your payments to react to any changes in your life and/or income - so, depending on your individual account circumstances, you can overpay, underpay or take a break from monthly payments.

    Please note that these mortgages track the Bank Base Rate, and can therefore go up or down in line with any changes that the Bank of England may make to interest rates.