Fixed rate mortgages

Fixed rate mortgage overview

A fixed rate mortgage offers certainty of repayment amount. The repayments (usually made monthly), is fixed for a specified period of time, irrespective of changes to the Bank of England's base rate or the lenders standard variable rate. The fixed rate is offered for a defined period of time. After this period the interest rate applied to the loan reverts to the lenders standard variable rate. A fee, known as an early redemption penalty, would apply if the fixed rate mortgage was cancelled within the initial fixed rate period.

Fixed rate mortgage options

The Financial Services Authority suggests that before you consider taking out a long term financial product such as a fixed rate mortgage that you may wish to consult a financial advisor. Our fully independent financial advisors have a great deal of experience of working with clients to research the fixed rate mortgage market and find a product that is right for them.

Free fixed rate mortgage consultations

Our aim is clear, to provide fixed rate mortgage advice that best fits our clients’ needs. We are able to do this as we are fully independent. We search the entire market to recommend the right product. We offer free consultations to allow you to discuss your fixed rate mortgage requirements with us. During this consultation, our financial advisors will discuss every element of the particular mortgage arrangement to allow you to make an informed decision as to the best way forward. To arrange your free consultation please >click here.

Please note: Your home may be repossessed if you do not keep up the repayments of a mortgage or loan secured on it.