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Fixed Rate Mortgages - Best4U Kettering Northamptonshire

Fixed rate mortgages is self-explanatory. The rate of interest is fixed for a defined term, usually between six months and five years. After the end of this term, the mortgage will usually revert to the lender’s standard variable rate.

The attractions of this are that it makes it easy for you to plan your monthly outgoings, as your mortgage payments will remain constant during the fixed-rate term. Not only that, it also protects you against any rise in interest rates during that time.

On the other hand, you will miss out if interest rates fall. Unfortunately, if this happens then you can’t simply switch to a more favorable rate.  Lenders frequently impose penalties on borrowers who change their mortgage before the fixed-rate term has come to an end. Some penalties are more punitive than others, so make sure you check these before committing yourself. Occassionally we also get access to 15/20 year fixed rate mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

All loans are subject to status and disclosure. No fees are charged for insurances as per our FCA Disclosure Document

£50 upfront with £200 on application and £250 on completion.

Fees are by negotiation for clients with 4 or more properties.

Buy to let (pure) and commercial mortgages are not regulated by the Financial Conduct Authority.

Best 4 U Mortgages & Best 4 U Insurance’ is a trading name of Best 4 U Mortgages Ltd who are an appointed representative of Wyse Services Limited which is authorised and regulated by the Financial Conduct Authority No 492460.

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