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Mortgage Rates Explained

Mortgage rate is the rate of interest charged by the mortgage lender. It is the most significant element of your mortgage deal. The interest rate determines the how much interest you have to pay back over the term of mortgage.

The best Mortgage Rates explained:

What is a Fixed Rate Mortgage?

A fixed rate mortgage sets the interest rate that you will pay each month for a specified period, guaranteeing the amount payable each month for a fixed length of time. If you are a kind of person who likes the certainty and the reassurance of knowing exactly what your monthly outgoings will be, then a fixed rate mortgage may be suitable for you.

What is a Variable Rate Mortgage?

With a Variable Rate Mortgage, your monthly payment will change if interest rates fall or rise. Standard variable rates tend to be influenced by changes in the level of Bank of England’s base rate. Variable Mortgages come with an element of risk as your monthly repayments can go up or down as well.

What is a Discount Rate Mortgage?

With a Discount Rate Mortgage, the lender offers a lower rate for a certain time period and during this period you have to pay lower repayments depending on the discounts. However as soon as the discount period gets over, the borrower will be transferred to the lender’s standard variable rate.

What is a Tracker Rate Mortgage?

A Tracker Rate Mortgage is a kind of product that follows the base rate of interest also known as bank rate and is set by the Bank of England. Under tracker rate your repayments will fluctuate and it follows in line with the base rate movements.

What is an Offset Mortgage?

Offset Mortgage enables you to link your mortgage with your savings, with the savings balance being used to reduce the amount of interest being charged on the mortgage. However with an Offset Mortgage, you can access your savings and get at them if you need.

What is a Capped Rate Mortgage?

With a Capped Rate Mortgage, there is a maximum interest rate set for a given period of time, and the rate you pay is guaranteed not go above that rate for the agreed period. As the capped rate is for a particular period of time so as soon as it ends the mortgage rate goes back to the appropriate variable rate.

What is a Cash Back Mortgage?

A Cash Back Mortgage provides a lump sum back once the purchase is completed. This can either be in the form of a set amount or a percentage that is borrowed (typically two to five percent). The cash back is refundable if the mortgage is settled before a particular period set by the lender.

What is a Flexible Mortgage?

With a Flexible Mortgage, you can make overpayments, underpayments, take payment holidays, calculate interest daily and more and often suit people with a fluctuating income like self employed people or commission only sales people. These are also known as “open plan” or “freedom mortgages”.

What is a Current Account Mortgage?

A Current Account Mortgage combines the borrower’s bank account with the mortgage. The account displays the outstanding balances that have been borrowed giving an opportunity to the borrower to view how much they have left to pay off. The biggest advantage of current account mortgage is that when the interest is calculated on the sum borrowed then the funds in the current account are taken off the mortgage.

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