Top five year fixed Rates

Published 7 March 2021 · Last reviewed 1 May 2026

Niche Advice Rate Tracker Index (NARTI)

The Niche Advice Market Watch Rate Tracker Index(NARTI) looks into the progress of five year fixed mortgage rates over the course of time. It is designed to show short term trends to actively help applicants that are close to deciding buying a property. It is information only and the details are taking using the Twenty7tec sourcing software and ranked by true cost* over 60 months, and you must always seek professional advice on your own circumstances before attempting to apply for a mortgage.

Rather than provide rafts of meaningless information NARTI focuses in on the key areas of:

First time buyer 5 year fix with 15% deposit
First time buyer 5 year fix with 10% deposit
Buy-to-let 5 year fix with 25% deposit
Buy-to-let 5 year fix with 20% deposit

Director and Advisor of Niche Advice Mr PayamAzadi comments on the latest data:
“The pay rates across the categories have reduced as Lenders try and get the year off to a cracking start. I can certainly vouch for the fact it is the busiest I have been since opening Niche over a decade ago. The quest to have a larger house and perhaps even a study to work from; has been accelerated by the lock-down combined with savings from working from home have seemingly made this for possible more people.

He goes on to say:“This extension of the Stamp Duty Holiday and introduction of the Mortgage Guarantee 95% schemes are likely to further stimulate activity, and it will be interesting to see how the NARTI looks next time out”.

NOTES
* True Cost factors in the interest rate, mortgage set-up costs and any cashback rebates. It assumes the product fee is paid.
* The comparison is based on an assumed purchase price of £300,000 over a 25 year mortgage term.
* It looks at repayment method of “Capital and Interest” for Residential and “Interest only” for Buy-to-let.
* Eligibility will depend on your own personal circumstances.

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.