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Fixed Mortgage Rates


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Fixed mortgage rates

Fixed mortgage rates are among the most popular on the market, especially in these uncertain times.

Fixed mortgage rates are normally a fixed interest rate for a set amount of time, for the first two, three or five years of the loan. This means your mortgage payments will not change until the initial rate expires.

Fixed mortgage rates are often recommended if you are on a tight budget and/or you need to have the peace of mind that your mortgage costs are not going to increase unexpectedly.
Mortgage fees have been increasing over more and more in recent times as lenders try to claw back some of the savings homeowners can get by switching mortgage. Generally speaking the smaller the mortgage, the lower the fees should be. There would be little point in switching or remortgaging to a 2-year fixed rate, saving £25 per month (£600 over 2 years) if the set up fees were £1000 other than concern over future interest rates.

Redemption penalties

Some lenders can also include an extended tie-in. In this case the redemption penalty is payable even after the fixed mortgage rate has ended. Your initial rate could finish but you may not be penalty free for a further year or two years for example. It is rare that these rates would be recommended under any circumstances.

What are the pros and cons of a fixed mortgage rate?

Fixed mortgage rates - The good points:

The main advantage of having a fixed rate mortgage is that it gives you peace of mind and makes budgeting so much easier. If the Bank of England's base rate rises during your fixed rate mortgage you could end up saving yourself thousands of pounds.

Fixed mortgage rates - The bad points:

Early repayment charges (ERCs) tend to be higher. Most fixed rate mortgages will have ERCs throughout the term of the fixed rate as already highlighted.

If interest rates fall you may find yourself paying more than you would have done had you not fixed.


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