Mortgages

Perenna Mortgages

Long-term fixed rate mortgages with terms up to 30 years. Lock in your rate for decades with no early repayment charges and complete payment certainty.

Long-Term Fixed Rate Specialist

Fix your rate for the long term

Most UK mortgages fix for two to five years before reverting to a variable rate, leaving borrowers exposed to future rate rises and the cost and hassle of regular remortgaging. Perenna offers a different approach, with fixed rates that can last the full term of your mortgage.

Through Doulton Bridging Finance, we can help you access Perenna's long-term fixed rate products. If you value payment stability and want to eliminate interest rate risk from your finances, Perenna's approach, already standard across much of Europe, offers a compelling alternative to the traditional UK mortgage cycle.

30yr

Max Fixed Term

Zero

ERCs

Portable

When You Move

Certain

Monthly Payment

Why Doulton

Benefits of Perenna mortgages

Ultra Long-Term Fixed Rates

Perenna specialises in fixed rate mortgages with terms of up to 30 years, giving borrowers complete payment certainty for the lifetime of their mortgage.

No Early Repayment Charges

Unlike most long-term fixed deals, Perenna's mortgages come without early repayment charges, giving you the freedom to overpay or remortgage without penalty.

Payment Certainty

Lock in your mortgage rate for decades and eliminate the risk of rising interest rates. Your monthly payment stays the same regardless of what happens in the wider economy.

Innovative Lending Model

Perenna uses a covered bond funding model common in Europe, allowing them to offer longer fixed terms than traditional UK lenders who rely on shorter-term wholesale funding.

Straightforward Products

Perenna keeps its product range simple and transparent, with clear pricing and no hidden fees. What you see at application is what you get at completion.

Portability

If you move home, Perenna allows you to port your mortgage to a new property, taking your fixed rate with you rather than starting again at current market rates.

The Process

How it works

Explore Your Options

We discuss whether a long-term fixed rate aligns with your financial goals and compare Perenna's offering against conventional shorter-term alternatives.

Rate Lock Assessment

We model the long-term cost of fixing for an extended period versus shorter fixes, helping you make an informed decision about the right term length.

Application Process

We prepare and submit your Perenna application, ensuring all documentation is complete and working with their team to progress your case efficiently.

Secure Your Rate

Once approved, we coordinate completion with your solicitor, locking in your rate for the long term and giving you lasting payment certainty.

Lock in your rate for the long term

Discover how a long-term fixed rate mortgage from Perenna could give you lasting payment certainty. Get a personalised quote today.

Get a Quote Compare Fixed Rates

FAQs

Frequently asked questions

Can I get a Perenna mortgage through Doulton?

Yes. We hold broker agencies with Perenna where available and can access their intermediary product range. Where Perenna is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Perenna via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Perenna cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Perenna offer?

Perenna's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Perenna can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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