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If you are unclear what something means, our Mortgage glossary can help.
A fixed rate mortgage lets you plan your finances ahead, safe in the knowledge that your interest rate will stay the same for a fixed length of time. It doesn't matter whether the Bank of England Base Rate rises or falls, it's reassuring to know that the interest rate you pay won't change. You can choose from a range of different rates, decide how long you want to fix and even link your savings to your mortgage with an offset option. It's worth noting that if you want to come out of a fixed rate mortgage before the end of the fixed period, you'll have to pay early repayment charges.
It could be the right choice if you're:
Use your savings to offset against the balance of your mortgage and reduce the interest you pay.
Mortgages that follow the Bank of England Base Rate - you could save money while the Base Rate remains low but your payments could also go up.
Use our borrowing calculator to get an estimate of how much we could lend to you.
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