Types of Mortgages.

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With mortgages in the UK it is our aim is to provide you with access to the cheapest deals we can find that meets your specifications.

When you look for UK mortgages on this site, our advice is limited to finding the cheapest interest rates and deals that we are able to find.

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TYPES OF MORTGAGES

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There are three basic types. Namely variable rate, capped rate and fixed rate. With the variable rate mortgage the interest rate will fluctuate according to the base rate set by the Bank of England. These could vary dramatically and have in the past been between 6% to as high as 18%. If there are indications that interest rates may drop in the future this type of loan is best suited. Also if one is likely to pay the loan off quickly this is a good option.

The capped rate, is basically as is indicated. The interest rate is capped at an interest rate for an agreed period. Depending on the conditions of the provider there are variations to this. Normally if interest rates are lower than the capped rate, one pays that rate, however if the interest rate exceeds the capped rate one only has to pay the interest at the agreed capped rate.

The fixed rate, is an agreed set interest rate for the entire period of the loan. The advantage of the fixed rate, is that enables one to know the exact amount one will be paying for the loan during its entire duration.

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