Our mortgage types

I want a fixed rate

Ikon procenttecken
You’ll get an agreed interest rate for a specific period. You’ll pay the same each month during your fixed rate period, helping you to manage your outgoings and plan ahead.
  • Choose from 2, 3, 4, 5 and 10 years
  • At the end of your fixed rate period, your rate will revert to our Standard Variable Rate

I want a tracker

Your mortgage will track either the Handelsbanken Base Rate or Bank of England Base Rate, dependent on the product selected. As the base rate rises or falls so does your payment.

  • Although you'll benefit from any falls, you need to be prepared for rate rises and higher monthly payments
  • Choose from 1, 2, 3 and 5 years
  • At the end of the tracker rate period your rate will revert to our Standard Variable Rate

I want to offset

Your mortgage is linked with your Handelsbanken savings and/or current account. Those balances offset the amount of interest we charge on your mortgage.

  • Choosing to offset means you can reduce the amount of interest you pay overall
  • If you have funds offset on an interest-only mortgage, you'll reduce your monthly payments
You'll be able to discuss your needs in branch to get the mortgage that's right for you. 

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Repaying your mortgage

Repayment  - You’ll pay the amount you borrowed along with some interest each month to fully repay the mortgage by the end of the term.

Interest only – During the term of the mortgage you'll just pay the interest, so you'll need a suitable repayment plan in place to repay the mortgage at the end of the term.

Mixed – The option to combine these repayment methods may be right for you.

Become a customer

Find out more about becoming a Handelsbanken customer or call 0800 470 8000 to speak to our Customer Connect team.

Already a customer

To know more, please speak to your account manager at your local branch.

Important information

Please note that our lending facilities are only available to UK residents aged 18 or over and are subject to status. Written quotations and Terms and Conditions are available on request.

Handelsbanken is the trading name of Handelsbanken plc, which is incorporated in England and Wales with company number 11305395. Registered office: 3 Thomas More Square, London, E1W 1WY, UK. Handelsbanken plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 806852. Handelsbanken plc is a wholly-owned subsidiary of Svenska Handelsbanken AB (publ).