Capital Ideas page break IFAP logo Independent Financial Advice

Capital Ideas is a trading style of Financial Horizons Ltd which is authorised and regulated by the

Financial Conduct Authority, FCA reference No 587075.  Registered in England, company No 07714109.  Registered office 77 Woodcrest  Road Darlington DL3 8EE


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With a fixed rate mortgage your mortgage interest rate is fixed for a period of time, so your mortgage payments won’t change.  This can be helpful in making sure that your mortgage remains affordable.


Deciding how long to fix your rate for can be difficult.  If you’re unlikely to move house for many years and do not expect to be able to repay large chunks of capital, you may want a long term fixed rate for the certainty it gives to your budget.


If your future is less certain, you may decide that a fix for only 2 or 3 years may be better.


A fixed rate mortgage could end up being more expensive, or cheaper, than another type of mortgage deal.  Generally, you may gain from a fixed rate if interest rates rise in general, but you may lose out if future interest rates fall.


When comparing mortgages don’t forget the costs and hidden pitfalls.  Read our lenders’ costs document  for more information.

Fixed Rate Mortgage

As independent mortgage brokers we’re well placed to find the cheapest mortgage rates that fit your individual needs.


To get on with finding the best mortgage deals for you, just contact us to discuss your needs.



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


Our typical mortgage advice fee is 0.5% of the amount borrowed.  This depends on individual circumstances

mortgage application and house keys