Your home may be repossessed if you do not keep up repayments on your mortgage.
By filling in the form on this page you are agreeing to be contacted by a professional mortgage advisor.
0113 815 0484
0113 815 0484
A fixed-rate mortgage is one where the interest rate stays the same for a period of time. During that time period the fixed rate of interest is guaranteed not to change. The period can be anything from 1 to 10 years. The cheapest tend to be two-year fixed rate mortgages, but it may be advisable for you to fix for longer, depending on your preferences.
Fixed rate mortgages have pros and cons. They tend to appeal to people who want to know exactly what their monthly costs are. These individuals are happy knowing that their monthly mortgage payment will remain the same, regardless of interest rates.
On the other hand, a fixed rate mortgage needs to be studied closely. The best fixed rate deal isn't necessarily the one with the lowest interest rate. It's important to fully understand the mortgage product details and compare products to get the best value deal for your budget and circumstances.
For example, mortgage products with lower fixed rates often have higher arrangement fees.
Another pitfall to avoid is the early repayment charge overhang. This is the period of time after your initial benefit or fixed rate had finished during which you are still charged a penalty for repaying your mortgage.
In other words, you could find your self at the end of a two- or three-year fixed rate mortgage deal only to be tied in for another year at the lender's standard variable rate. And that's not something that you want if your goal is to have steady predictable costs each month.
Working with an independent broker will help you:
Contact us today for information and advice on fixed rate mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
By filling in the form on this page you are agreeing to be contacted by a professional mortgage advisor.
A qualified professional mortgage advisor will contact you to discuss your requirements. When you're ready to proceed, your advisor will help find the best options for your specific circumstances.
We engaged Malcolm's services after being turned down by a number of banks as we wanted to do a Let to Buy mortgages. He managed to get mortgages for both the house we wanted to buy and our original one which we wanted to Let. We were involved in a very complicated chain such that we have had to ask Malcolm to renew the mortgage twice for us. In both cases Malcolm was more that very helpful and he communicated every step and kept us updated all the time. We could call him any time of the day including evenings. I would highly recommend Malcolm to anyone. He even visited us at our new house to make sure we were happy with everything after completion.
Great service from Malcolm, we had to renew our mortgage several times as our house sale was part of a chain, his knowledge in mortgages is amazing and he helped us so much and did not tire! We would strongly recommend his service. He also linked us with solicitors and insurances, excellent service, we could not ask for better!
Great knowlendge and valuable service from the first phone call.
Fantastic. C&C offer supportive, accurate advice. As a self-employed first time buyer I needed a broker who could find me a mortgage that might not be available from the high street. Malcolm found me a great option and explained everything in easy-to-understand language. He also connected me to the world's most efficient solicitor for which I am eternally grateful. Thanks Malcolm!
Great service. Easy to talk to. Greats products to Match my needs. Fantastic communication. Returning customer year after year. What can I say. Thankyou. Until next time.
Malcolm and Julie were fantastic going above and beyond what was expected. Malcolm has saved us a lot of money by finding us a great deal when we were expecting to have to pay a specialist mortgage rate. Both have been at the other end of the phone/emails whenever we've needed them. We'd highly recommend using Will Assist for your mortgage needs.
Had a fantastic service from Malcolm and Julie for our 1st mortgage. Our situation for applying for a mortgage wasnt a simple one and Malcolm went through all the options and scenarios with the lenders and came back promptly with offers. We also had tight timescales to exchange on the property which they handled in there stride, communication was great and was informed throughout the process. Highly recommended.
Malcolm and Julie were both really helpful and responsive. Malcolm’s advice was really good and we trusted him instantly. Julie kept us informed every step of the way. I would highly recommend their services and would definitely use them again even though we are moving away from the area.
I've been dealing with mortgages for quiet a few years now but never come across such an easier process and such a great bunch of guys... Perfect would definitely recommend thank you again.
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