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Finance News

8/10/2008 - Several banks have cut mortgage rates with more expected, following the shock 0.5% cut in the Bank of England’s cost of borrowing. Read story

29/9/2008 - Lloyds TSB has announced that it’s 2-year and 3-year fixed rate mortgages rates are to be increased. Read story

26/9/2008 - More lenders have increased the cost of their fixed rate deals, some by as much as 0.5%, adding £450 to a typical mortgage. Read story

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Fixed Rate Mortgages

Fixed Rate Mortgages

The advantages of Fixed Rate Mortgages is the security of fixed repayments for an agreed amount of time.

For the duration of the fixed rate period, your mortgage repayments can never alter (assuming you keep up repayments) no matter what happens to interest rates.

This can unfortunately mean that when interest rates drop your fixed rate stays static and you can end up paying more than you need to. Also, there is usually a period after the fixed rate period in which you can not pay off / change your mortgage without paying a penalty.