Below are our selection of the best deals currently available to our clients. With a fixed rate mortgage your lender offers you an interest rate that is fixed for an initial term. The most popular type of fixed term mortgage, was until recently two year fixed deals. However recently more lenders are offering competitive rates on fixed rates across five or even ten year fixed terms. Fixed rate mortgages give you peace of mind that your monthly mortgage payment will remain the same over an agreed period of time. That means that you'll know how much you need to budget each month for this major expenditure. At the end of the fixed rate term, your mortgage lender will usually transfer you onto their standard variable rate. Ahead of this it's always advisable to speak with a mortgage broker to look at your personal situation and shop around for the best available deal.
Before deciding to opt for a fixed rate mortgage from the below table, it's important to speak with an independent mortgage expert. Our advisers at John Charcol will be able to assist you in comparing products from across the mortgage market to help you decide which mortgage is best for you, if you can get a better rate than your currently on and if we can find a provider who can offer you a better deal than your existing provider our experts will let you know.
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