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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.
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