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HomeMortgages Looking for a mortgage? Fixed Rate Mortgages

Fixed Rate Mortgages

Our Fixed Rate mortgages could be for you if you are purchasing your first home, moving house or looking to remortgage from another lender in England, Wales and Scotland.

With Fixed Rate mortgages your interest rate stays the same for an agreed period of time specified in the product terms.

Until that date, you can plan your finances safe in the knowledge that your repayments will not be affected by a change in interest rate.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note: as of close of business on Friday 18th September, Darlington Building Society are amending our minimum loan size for new mortgage applications to £100,000. We will consider applications for a minimum loan of £25,000 from applicants where the postcode of the mortgaged property is within the Society’s operating postcode area: DL, TS, YO, DH, SR & HG. The minimum loan size applies only to new mortgage applications and does not impact existing members seeking additional borrowing, product transfers or any other servicing based requests.

Fixed rate mortgages

Initial rate of Changing to our Standard variable rate currently... Overall Cost For Comparison Maximum Loan to Value Fees Features
3 Year Fixed Rate Mortgage FR402 3.99% Until 31 May, 2024 5.3% 5.1% APRC 95%
Product Fee £999
Account Fee £120
Valuation fees? Yes
Society contribution to valuation fee? Yes

This product is only available for first time buyer key workers only (see full list in product eligibility).

This product is only available for DL, TS, DH, YO, HG or SR postcode areas.

The Society will make a maximum contribution of £300.00 towards the valuation fee and the actual amount depends on the value of the property.

The Society will cover the legal costs for remortgages using a firm on their panel of conveyancers.

 Full details
2 Year Fixed Rate Mortgage FR388 2.69% Until 30 April, 2023 5.3% 4.9% APRC 80%
Product Fee £999
Account Fee £120
Valuation fees? Yes
Society contribution to valuation fee? Yes

The Society will make a maximum contribution of £300.00 towards the valuation fee and the actual amount depends on the value of the property.

The Society will cover the legal costs for remortgages using a firm on their panel of conveyancers (England & Wales only).

 Full details
5 Year Fixed Rate Mortgage FR389 2.99% Until 30 April, 2026 5.3% 4.3% APRC 80%
Product Fee £499
Account Fee £120
Valuation fees? Yes
Society contribution to valuation fee? Yes

The Society will make a maximum contribution of £300.00 towards the valuation fee and the actual amount depends on the value of the property.

The Society will cover the legal costs for remortgages using a firm on their panel of conveyancers (England & Wales only).

 Full details
5 Year Fixed Rate Mortgage FR398 3.29% Until 31 May, 2026 5.3% 4.5% APRC 85%
Product Fee £999
Account Fee £120
Valuation fees? Yes
Society contribution to valuation fee? Yes

The Society will make a maximum contribution of £300.00 towards the valuation fee and the actual amount depends on the value of the property.

The Society will cover the legal costs for remortgages using a firm on their panel of conveyancers (England & Wales only).

 Full details

Fixed Rate Representative Example

A mortgage of £123,000 payable over 20 years initially on a fixed rate for 2 years at 2.25% and then on our current Standard Variable Rate of 5.30% (variable) for the remaining 18 years would require 24 monthly payments of £639.02 and 216 monthly payments of £815.81.

The total amount payable would be £191,641.44 made up of the loan amount (£123,000) plus interest (£68143.01) product fee £289, account fee of £120 and mortgage exit fee of £90.

The overall cost for comparison is 4.8% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.