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Morgages : fixed rate, best (misspelling of mortgage)

Our services are not and need not be regulated by the FSA because we do not supply financial products, nor do we give financial advice. However, we are eligible to give advise as to where to find said financial products, and in this case we are seeking the best fixed rate mortgage.

Firstly, the term "fixed rate mortgage" is easy enough to define as being a mortgage which stays at any given agreed fixed rate of interest from the date it is taken out to another agreed date, commonly between 6 months and 5 years, although they are available for periods of up to 25 years. Fixed rate mortgages protect the borrower against interest rate rises during the set period; after the period ends, the interest rate reverts to the lender’s standard variable rate.

 No problems there then, and the term is not in the least technical or difficult to understand, but the more difficult part is yet to come with the when the word Best is tagged onto the front as this makes it a whole different ball game and one which needs some homework to achieve.

The procedure we normally suggest for seeking loans or mortgages of any sort is to sit down with pen and paper and make a list of all the questions you will have to answer together with all the questions you need answers for. All this saves time and thinking power when you have to fill out forms for mortgage lenders, and of course, it makes things fairer because you are automatically using the same questions and answers which should ensure that you can compare the mortgage rates like for like - a level playing field if you prefer.

So where do you find the best fixed rate mortgage deal? Commonly these days the best deals are offered online and to find some of the best we advise looking at comparison sites, but you should be aware that it is common for these sites to be paid by someone for their services, after all, they aren't charities, but if you go ahead and take up a fixed rate mortgage then you will be the one to pay for the comparison sites' online advertising in your mortgage repayments.


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