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2 Year Fixed Rate
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A fixed interest rate mortgage helps to make budgeting easier, as your monthly repayments stay the same each month during the fixed interest rate period.
So there's no sudden changes in how much you need to find to make your repayments even if interest rates rise or fall.
Summary information
Product Code
FIIX651
Interest Rates
Initial rate of 5.20% until 31st August 2028 reverting to our Standard Variable Rate (currently 6.31%) from 1st September 2028.
Maturity Date
31 August 2028
Maximum Loan to Value (LTV)
80%
Loan Amount
£30,000 - £3,000,000 (up to 65% LTV)
£30,000 - £2,000,000 (up to 80% LTV)
Daily Interest Calculation
Interest is calculated on the balance of your account at the end of each day. Interest is accrued daily and added to your account balance on the last day of every month. Every cleared payment that is made reduces the mortgage balance and interest is recalculated on the reduced balance.
Minimum Term
2 Years
Reservation Fee
0
Completion Fee
999
Incentives
10% overpayments per annum
Early Repayment Charge
2% of balance outstanding until 31st August 2027.
1% of balance outstanding until 31st August 2028.
Meet your BDM
Here to support you
Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.
Intermediary Support Team
For day-to-day enquiries, live case support, or document submissions, our Intermediary Support Team is available from 8 am to 6 pm, Monday to Friday. You can contact them:
- Phone: 0345 602 2338
- Email: intermediary.lending@newcastle.co.uk
Our team can assist with:
- Eligibility and criteria queries
- Clarification on product features
- Guidance on completing applications
Together, your BDM and the Intermediary Support Team provide a full network of support, combining expert advice with operational assistance, so you can focus on delivering the best service to your clients.