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Progressive BS logo
Fixed 24 months From Progressive BS
Initial rate 0.89%
Monthly cost £404 for 24 months
Overall cost 4.1% APRC
See deal
Ulster Bank logo
Fixed 23 months From Ulster Bank
Initial rate 0.94%
Monthly cost £406 for 23 months
Overall cost 3.5% APRC
See deal
Progressive BS logo
Fixed 24 months From Progressive BS
Initial rate 0.99%
Monthly cost £409 for 24 months
Overall cost 4.1% APRC
See deal
Ulster Bank logo
Fixed 59 months From Ulster Bank
Initial rate 0.99%
Monthly cost £409 for 59 months
Overall cost 2.9% APRC
See deal
Ulster Bank logo
Fixed 23 months From Ulster Bank
Initial rate 1.07%
Monthly cost £413 for 23 months
Overall cost 3.5% APRC
See deal
Progressive BS logo
Fixed 24 months From Progressive BS
Initial rate 1.14%
Monthly cost £417 for 24 months
Overall cost 4.1% APRC
See deal
Ulster Bank logo
Fixed 23 months From Ulster Bank
Initial rate 1.14%
Monthly cost £417 for 23 months
Overall cost 3.4% APRC
See deal
Reliance Bank logo
Fixed 22 months From Reliance Bank
Initial rate 1.25%
Monthly cost £423 for 22 months
Overall cost 3.8% APRC
See deal
Barclays Mortgage logo
Fixed 28 months From Barclays Mortgage
Initial rate 1.26%
Monthly cost £424 for 28 months
Overall cost 3.4% APRC
See deal
NatWest logo
Fixed 27 months From NatWest
Initial rate 1.28%
Monthly cost £425 for 27 months
Overall cost 3.4% APRC
See deal
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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

What is a fixed rate mortgage?

A fixed rate mortgage is simply a mortgage where the interest rate is fixed at a set rate for an introductory period (often 2 years). This means you know exactly how much your monthly payments will be during the introductory period making financial planning easier.

After the introductory period, you will normally be moved to a standard variable rate of interest which may be significantly higher than the fixed rate.

What are the alternatives to a fixed rate mortgage?

The most common alternative to a fixed rate mortgage is a tracker mortgage. This gives you an interest rate that is set at a fixed percentage above the Bank of England base rate (or equivalent).

This tracker rate is also normally only for an introductory period, but can often give you a lower initial rate than many tracker mortgages.

However, you are taking a risk as the interest rate on a tracker mortgage can go up as well as down, depending on the movement of the base rate being tracked.

Should you remortgage when the fixed rate ends?

When your fixed rate period is coming to an end, it is definitely worth considering remortgaging to avoid a sudden leap in your interest rate.

Many lenders will pay standard remortgaging costs when you switch your mortgage to them, so this can make remortgaging very affordable.

Independent Mortgage Advice

Remortgaging is particularly popular at the moment as interest rates are low.

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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.

However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.

If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).

If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgage Rates Set To Rise - Is 2022 A Good Time To Remortgage?

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