Your loan will switch to the  standard variable mortgage rate. Are you worried about rises in interest rates? You can also review our current selection of exclusive mortgage deals which aren't available direct from lenders. Your home may be repossessed if you do not keep up repayments on your mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage. Swap rates are notoriously hard to predict, so borrowers and the industry look at which way interest rates are going.

But interest rates might rise. At least you're not gambling with your home. Apr 5% to 01/01/09 details purchase & remortgage 5% bristol & west 4. 59. Mortgages home savings mortgages loans pensions utilities investing insurance cards news banking tax need advice?Mortgage refinance rates are low through the fha - apply online for an fha home loan. Personal loan calculator. Your home may be repossessed if you do not keep up repayments on your mortgage. This rate goes up and down, depending on the bank of england's base rate. Bear in mind that if you repay your mortgage in full within the fixed rate, special rate period, early repayment charges may apply.

You can fix the rate for up to five years, however you may prefer to fix for two or three years. Fixed- rate mortgages are, as a rule, the steady, sensible and relatively unexciting sort of mortgage. Variable- rate mortgages encompass a much wider array of product types. Offset fixed 85 until 1 december 2007 85. The reason for this is that swap rates  banks predictions on the future direction of interest rates  tumbled sharply a couple of months ago. Fixed rate mortgages can be good for first time buyers and anyone on a budget who needs the stability of a set monthly repayment.

Are fixed rates good value at the moment?If interest rates fall, you won't get the benefit of this. Portable - your client can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period. Bad points: if interest rates drop you may be paying more than you might have done if you'd gone for the variable rate. Apply for a mortgage fixed until 30 november 200. I'm buying my first mortgage - shortcut.

At the moment there are a number of fixed- rate deals offered at less than bank base rate  for example 4. 2. Mortgages students. Use our mortgage selector to help choose the best option from our current fixed rate mortgage range. The mortgages available depend on whether you are buying a home or looking to change your mortgage deal. Lender mortgage. Use this mortgage calculator to select from. Tanya jackson, spokesperson at yorkshire building society, says: we have launched several five and ten- year fixed rates recently which have been popular.