Key mortgage rates

Fixed rate mortgages are designed to help you manage your budget. Your payments will remain the same for a set period of time, even if the general interest rate goes up or down. Choose one of our fixed rate terms from the table below to suit you.


Self Cert Fixed mortgage rates



6.75% 3 year fixed (Self Cert – ALB)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.75% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.5% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

6.95% 3 year fixed (Self Cert – ALC)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.95% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages
 • 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

6.99% 5 year fixed (Self Cert – ALF)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.99% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.15% 3 year fixed (Self Cert – ALD)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.15% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.19% 5 year fixed (Self Cert – ALG)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.19% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.29% 5 year fixed (Self Cert – ALH)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.29% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.35% 3 year fixed (Self Cert – ALE)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.35% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.49% 5 year fixed (Self Cert – ALJ)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.49% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.8% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

What you need to know up front with a Self Certification Fixed Rate mortgage

  • You must be 21 years old to take out a Self Certification mortgage.
  • Available to first time buyers.
  • You can borrow up to 90% of the property's value with our Self Certification mortgages, meaning you'll need a minimum of 10% deposit.
  • You can add the arrangement fee to the mortgage. We'll add the fee to the total mortgage and interest will be charged on it.
  • You can overpay up to 10% of the mortgage balance each year without paying any early repayment or administration charges (subject to minimum payments).
  • We lend in England, Scotland & Wales. Sorry, but we don't lend in Northern Ireland

As long as you have been employed for 6 months or self employed for 12 months, no proof of income is necessary.

We won't even need to contact your accountant or employers. Our minimum annual income requirement is £10,000 if you're taking the mortgage out in your name only and £15,000 if you are taking out a joint mortgage.

We offer a range of fixed rate periods to suit people's circumstances, usually ranging from 2-5 years. You should consider the length of time you're prepared to commit to the mortgage up front as you will have to pay a charge if you repay your mortgage before the end of your promotional period.

Don't forget that all of our mortgages are portable. This means that the rate, terms and conditions of your original mortgage can be transferred to the new property if you move house.