Fixed Rate Mortgages

3 steps to impartial mortgage advice

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About your mortgage

Are you looking to:	How much would you like to borrow?
Buy a property Remortgage a property Buy a property to let

	How long do you need the mortgage for?

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About your mortgage

Estimated property value?

Are you a first-time buyer?
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Do you need to self-certify your income?
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Have you:

	Had a CCJ or Default registered against you?
	Missed one or more secured loan or mortgage payments in the last 12 months?
	Been declared bankrupt or had an IVA?

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Step 2 of 3

About your mortgage

Estimated property value?		How much would you like to borrow?

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Your details

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Phone number:	Alternate phone number:

E-mail address:	Date of birth:


First line of current address:	Current postcode:

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Pros and cons of fixed rate mortgages

Benefits of fixed rate mortgages:

They protect you against rising interest rates.

Regardless of what happens in the economy and how Bank Rate moves, the interest rate you are charged is guaranteed to remain the same for the period of time you have signed up for.

They give you peace of mind, as you know exactly how much will be coming out of your bank account
every month with a fixed rate mortgage. This in turn can help you with your budgeting.

Disadvantages of fixed rate mortgages:

Should interest rates fall during your fixed rate period, you will not get the benefit and may feel you are paying over the odds.

Fixed rate mortgages come with a fee. Fees have gone up rapidly in recent years. Don't be surprised to be charged £500 to £1,000 for a fixed rate mortgage.

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