A fixed rate mortgage sets the interest rate for a pre agreed period which is usually between two and ten years. This enables you to budget effectively by being certain of how much your repayments will be each month. 

The main advantage of this type of mortgage is you are protected from increases in interest rates. Once you fix the rate, your payments for the duration of the fixed rate are guaranteed to be the same each month. The main disadvantage is if interest rates fall during this period, your payments will remain the same and you will not benefit from any reduction in the Bank of England base rate. 

Whether you have a good or bad credit history, we'll advise on the best fixed rate mortgage for you.  

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