Cheap Fix and Fall Energy Tariffs UK (January 2026)
Compare whole-of-market fixed, variable and tracker options to find a cheap fix-and-fall style energy deal for your home—then switch in minutes with EnergyPlus.co.uk.
- See cheaper fixed deals, flexible tariffs and tracker-style options side by side
- Check exit fees, unit rates, standing charges and tariff end dates clearly
- Whole-of-market comparison for households across Great Britain
- Fast quote: use your postcode and usage (or we’ll estimate if needed)
Home energy only. Prices change regularly; comparisons are based on the details you provide and available market data at the time you check.
Find a cheap fix-and-fall style tariff for January 2026
A “fix and fall” energy tariff is usually a fixed-rate deal that customers hope will beat the market if prices rise—and then becomes relatively cheaper if wholesale prices later fall, because your rates stay locked in. In practice, the best January 2026 option depends on your usage, postcode, and whether you can tolerate price changes.
EnergyPlus.co.uk compares whole-of-market home energy tariffs so you can weigh up fixed, variable and tracker-style options—checking the details that matter: unit rates, standing charges, exit fees, and the tariff end date.
Tip for January 2026: If you’re trying to “time” the market, focus less on headlines and more on the total annual cost for your home. A slightly higher unit rate can still be cheaper overall if the standing charge is lower (and vice versa).
What you’ll need to get an accurate comparison
- Your postcode (tariffs vary by region and meter type)
- Whether you have gas & electricity or electricity-only
- Your estimated annual usage (kWh) or a recent bill (optional)
- Whether you’re happy with a credit meter or prepayment (where available)
Get your January 2026 quote
Fill in your details and we’ll show suitable tariffs to help you lock a cheap fixed deal or choose flexibility if prices fall.
Prefer to read first? Use the jump links above to learn how fixed vs variable vs tracker tariffs behave when prices rise and fall, then come back to compare.
Why compare fix-and-fall style tariffs with EnergyPlus
Whole-of-market view
Compare fixed, variable and tracker-style tariffs in one place so you can choose a deal that suits your risk level—without relying on one supplier’s promotions.
Clarity on total cost
We help you compare based on estimated annual cost, not just headline unit rates—so standing charges and exit fees don’t catch you out.
Switching made simple
If you decide to switch, we guide you through the details suppliers need, and you keep control of your choice and timing.
Better decisions in volatile markets
When prices move, the “best” tariff can change quickly. We encourage you to focus on your personal break-even point and contract terms.
Home energy, not business
This page and comparison journey are designed for UK households—covering common home meter types and family usage patterns.
Plain-English help
We explain what “fix and fall” really means, what to check in the small print, and when flexibility might beat fixing.
How “fix and fall” energy tariffs work (in plain English)
The phrase “fix and fall” isn’t a formal tariff type in the UK. It’s a way people describe trying to fix their rates before prices rise, and still benefit later if prices fall—by being protected from spikes while waiting for the market to settle. The reality is:
1) You lock a rate
With a fixed tariff, your unit rates and standing charges are set for the contract term.
2) The market moves
If typical prices rise, your fixed rate may look cheaper compared with new deals.
3) Prices fall later
If cheaper deals appear, you may need to switch again to benefit (and check exit fees first).
4) You reassess
A good strategy is to compare periodically, not guess one perfect moment.
Key point: fixing doesn’t automatically mean you benefit when prices fall. You benefit if your fixed rate remains competitive—or if you can switch to a cheaper tariff without being blocked by high exit fees.
Tariff types to consider in January 2026
When searching for cheap fix and fall energy tariffs in the UK, you’ll usually be choosing between fixed, standard variable, and tracker-style tariffs. Here’s what each typically means for households.
| Tariff type | How prices change | Best for | Watch-outs |
|---|---|---|---|
| Fixed (12–24 months common) | Your unit rates and standing charges stay the same for the term. | Budget certainty; households worried about price rises. | Exit fees; may miss cheaper deals if prices drop and you don’t switch. |
| Standard Variable (SVT) | Supplier can change prices; often influenced by the Ofgem price cap. | Flexibility; short-term “wait and see”. | Less protection from sudden increases; can be poor value long term. |
| Tracker-style | Prices can move up or down based on a published reference (varies by supplier). | Those comfortable with risk who want to benefit quickly if prices fall. | Prices can rise quickly; understand the tracking method and any caps. |
| Time-of-use (e.g., smart meter) | Rates vary by time; can be fixed or variable depending on tariff. | Homes that can shift usage (EV charging, laundry) to cheaper times. | Peak rates can be higher; needs careful usage pattern review. |
What to check before you choose a “cheap” fixed deal
Unit rate (p/kWh)
This drives most of your bill if you use a lot of energy. Compare electricity and gas separately if dual fuel.
Standing charge (p/day)
A lower standing charge can be crucial for low-usage homes, flats, and single-occupancy households.
Exit fees
Exit fees can make it expensive to switch if prices fall. Always check the amount and when it applies.
Contract length
Longer fixes can protect you for longer, but can also lock you out of better deals if the market drops sooner.
Regional pricing: why your January 2026 quote depends on postcode
Energy unit rates and standing charges can vary across Great Britain due to regional network costs and supplier pricing. That’s why the same “cheap fixed deal” headline can look different once you enter your postcode.
Practical takeaway: Always compare using your own postcode and realistic usage. If you’re moving home, compare using the new property’s postcode and meter type if you know it.
If you have a smart meter, you may also see additional options like time-of-use tariffs. These can be excellent for some households, but they’re not automatically cheaper—your usage pattern matters.
Common mistakes when chasing “fix and fall” savings
Comparing only unit rates
Standing charges can outweigh a slightly better unit rate, especially for low-usage households.
Ignoring exit fees
If prices fall, a high exit fee can stop you switching to a cheaper deal when you need flexibility.
Fixing “just because”
A fixed tariff is a tool for budgeting. It’s not always cheapest, especially if the market is trending down.
Using the wrong usage figures
Over- or under-estimating your kWh changes which tariff looks best. If unsure, start with a bill.
Not checking payment method
Direct Debit tariffs can price differently from receipt of bill or prepayment options (where available).
Assuming switching is disruptive
You usually keep the same pipes and wires. The change is mainly billing and customer service.
January 2026 fix-and-fall tariff FAQs
Are “fix and fall” tariffs a real product in the UK?
Not usually as a named category. People tend to mean a fixed tariff they hope will look good if prices rise, plus the ability to switch again later if prices fall. The key is checking whether a fixed tariff’s exit fees allow that strategy.
Is January a good time to fix energy prices?
It can be, but it depends on market conditions and your household priorities. If you need predictable bills, a competitive fixed deal may make sense. If you can cope with movement and want to benefit quickly from falls, consider whether a flexible tariff (like variable or tracker-style) suits you better.
What matters more: standing charge or unit rate?
Both. High-usage homes often feel the unit rate most, while low-usage homes can be heavily affected by the standing charge. The safest way is to compare estimated annual cost for your usage.
Will I lose supply if I switch?
No—switching supplier typically doesn’t interrupt your gas or electricity. You keep the same infrastructure; only the supplier and billing arrangements change.
Can I compare if I’m on a prepayment meter?
Yes, although available tariffs can be different. Enter your details and we’ll show what’s available for your home and meter type.
How quickly can I switch in January 2026?
Timescales vary by supplier and circumstances, but many switches complete within a few working days. If you’re in a contract, check exit fees and notice periods before switching.
Still unsure? Start a comparison and look at the total cost for fixed vs flexible options. You can decide before switching.
What homeowners like about EnergyPlus.co.uk
“The comparison was straightforward. I finally understood how standing charges affected my bill, and found a better fixed deal.”
“I was trying to decide whether to fix or stay flexible. The explanation helped me choose with confidence.”
“Clear breakdown of costs and contract terms. No pressure—just options that matched my postcode and usage.”
Trust matters when switching energy. We focus on clear comparisons, transparent tariff details, and helping you choose what fits your household—whether that’s budget certainty or flexibility.
Ready to compare cheap January 2026 tariffs?
Get a tailored quote for your home and see fixed, variable and tracker-style options side by side. It only takes a moment to start.
You’re in control: compare first, then decide whether to switch.
Quick checklist before you fix
- Check exit fees and contract length
- Compare standing charges as well as unit rates
- Use your real usage (or a bill estimate)
- Re-check prices if your situation changes
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