Fixed Rate Bonds

Earn interest on your savings over a number of years, with a fixed rate bond account.

How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

Our trusted brands

view more
NAP.gif vanquis.jpg CAN.gif aegon.gif chorley_building_society.jpg healthonline.jpg scottish_building_society.jpg
axa.jpg capitalone.gif ageas.jpg WBB.gif sse.jpg clydesdale_bank.jpg POS.gif CAN.gif BNW.gif CLY.gif BSA.gif fluid.jpg ULS.gif FID.gif scottish_power.jpg BLH.gif progressive_building_society.jpg tesco.jpg uk-general.jpg healthonline.jpg o2.jpg CNW.gif NAP.gif CTS.gif securetrust.gif BFU.gif bath_building_society.jpg BPR.gif MET.gif HSB.gif BAA.gif saga.jpg LEE.gif lv.gif BHI.gif americanexpress.jpg BWO.gif BOI.gif BCH.gif BBS.gif eon.gif chorley_building_society.jpg CTE.gif virgin.gif rsa.jpg BLF.gif TSB.gif the_mansfield_building_society.jpg sainsburys.gif npower.gif BBV.gif sky.jpg zopa.jpg TIP.gif RBS.gif VBS.gif FAM.gif vanquis.jpg scottish_building_society.jpg YBS.gif BNT.gif m&s.gif TCO.gif ovo_energy.jpg BNC.gif SBS.gif BHX.gif carloans4u.jpg aegon.gif fidelity.gif ipswich_building_society.jpg market_harborough_building_society.jpg plusnet.jpg HEC.gif bt.jpg NBS.gif barclaycard.gif CAM.gif aqua.jpg ACC.gif BNR.gif BDA.gif fundingcircle.gif TBS.gif amigo.gif BME.gif BMO.gif

Find the right savings account for you

  • Get instant access to your savings
  • Protect your savings
  • Save for the future

What is a Fixed Rate Bond?

A fixed rate bond will pay you a set amount of interest, over a certain period of time.  Your money will be locked away to avoid the temptation of making a withdrawal - if you do wish to withdraw money from the account early you may face a penalty.

Because your provider knows that it has your money locked in for a set duration, they can afford to pay you a higher rate of interest, than that on an instant access account. 

However you will need to be prepared to lock your money away for up to 5 years to gain the best interest rates.If you do wish to make a withdrawal from your fixed rate bond, then you will usually be required to give notice, and you may be penalised for doing so.

Compare Fixed Rate Bonds

Before you agree to tie your money in for a lengthy period, you should make sure you check all the relevant terms and conditions before proceeding.

Compare rates

  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • Will I be contacted by other companies?

latest news View All News

Sign up to our newsletter