{"id":21574,"date":"2022-06-03T10:39:03","date_gmt":"2022-06-03T09:39:03","guid":{"rendered":"https:\/\/helpandadvice.co.uk\/?p=21574"},"modified":"2024-01-28T13:19:36","modified_gmt":"2024-01-28T13:19:36","slug":"how-long-should-i-fix-my-mortgage-for","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for\/","title":{"rendered":"How Long Should I Fix My Mortgage For"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21574\" class=\"elementor elementor-21574\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35ef0daf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35ef0daf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ceaf3e9\" data-id=\"2ceaf3e9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7698051 elementor-widget elementor-widget-image\" data-id=\"7698051\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51.png\" alt=\"How long should i fix my mortgage for\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-300x113.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-1024x384.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-51-768x288.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-21585 sp-no-webp\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ace7b6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ace7b6e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38459d5c\" data-id=\"38459d5c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b4a0824 elementor-widget elementor-widget-text-editor\" data-id=\"7b4a0824\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: left;\"><span style=\"color: #000000;\">April 2024<\/span><\/p>\n\n<h1 style=\"text-align: center;\">How Long Should I Fix My Mortgage For in April 2024<\/h1>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64884870 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64884870\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68653c25\" data-id=\"68653c25\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a250e59 elementor-widget elementor-widget-text-editor\" data-id=\"a250e59\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What is a fixed term mortgage?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A fixed mortgage is one agreed with a mortgage broker with a fixed interest rate for a specific length of time, usually two to five years. This means that your monthly payments will stay the same throughout the fixed term, providing you with confidence and security.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With fixed rates, you can choose to make repayments on a principal and interest basis or just interest only. For most borrowers and especially for first time buyers, the main question to mortgage brokers is <a href=\"https:\/\/helpandadvice.co.uk\/do-mortgage-brokers-get-better-deals\/\">how long to fix<\/a>.<\/span><\/p>\n<h2><b>How does a fixed term mortgage work?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A fixed mortgage works by the lender agreeing to give the mortgage borrowers a set interest rate for a specific period of time. This could be for 2, 3 or 5 years, and during this time, your monthly repayments will stay the same.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if market rates change, you won&#8217;t have to worry about your payments going up if rates of interest rise because your interest rate will be locked in.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d20e8b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d20e8b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c2d31db\" data-id=\"1c2d31db\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap 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.elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTopics that you will find covered on this page\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-622c004b\" data-id=\"622c004b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-291eb6ee elementor-widget elementor-widget-text-editor\" data-id=\"291eb6ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<span style=\"color: #000000;\">You can listen to an audio recording of this page below.<\/span>\n<iframe src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/lbY3SuOxh&#038;voice=en-GB-LibbyNeural\" scrolling=\"no\" height=\"90px\" width=\"100%\" frameborder=\"0\" allowfullscreen><\/iframe>\n<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5431dfde elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5431dfde\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e5ad56f\" data-id=\"6e5ad56f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa86b72 elementor-widget elementor-widget-text-editor\" data-id=\"fa86b72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What are the benefits of having a fixed rate mortgage?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The main benefit of a having fixed rate mortgage deal, as opposed to a tracker mortgage or variable rate, is the security it offers. You will know exactly how much you have to pay each month for the duration of the fixed interval, so you can budget effectively.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If rates of interest rise throughout your term, you\u2019ll still be paying the lower, set rate that you agreed to at the start. Over time, this may save you a significant amount of money.<\/span><\/p>\n<h2><b>What are the disadvantages of a fixed term loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">One potential disadvantage of a fixed term loan is that if rates of interest fall during your mortgage term, you\u2019ll still be stuck paying the higher, fixed rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, most individuals would prefer to make a trade-off for the potential for lower payments in exchange for the assurance and peace of mind that comes with knowing exactly how much you\u2019ll need to pay each month.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e1f6ba7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e1f6ba7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-516e1375\" data-id=\"516e1375\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2783087c\" data-id=\"2783087c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-138d1580 elementor-widget elementor-widget-video\" data-id=\"138d1580\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=KcAZaNyttts&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;transform:translateZ(0)}.elementor-widget-video .elementor-wrapper{aspect-ratio:var(--video-aspect-ratio)}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{height:100%;width:100%;display:flex;border:none;background-color:#000}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-wrapper{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%;aspect-ratio:var(--video-aspect-ratio);-o-object-fit:cover;object-fit:cover;-o-object-position:center center;object-position:center center}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-custom-embed-image-overlay{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-custom-embed-image-overlay img{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}.e-con-inner>.elementor-widget-video,.e-con>.elementor-widget-video{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-327fe02\" data-id=\"327fe02\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b58e002 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b58e002\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e33ad5\" data-id=\"5e33ad5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a52590b elementor-widget elementor-widget-text-editor\" data-id=\"a52590b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What are the alternatives to having fixed rate mortgages?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re not sure whether a fixed rate loan is right for you, there are a few other options to consider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An alternative to a fixed rate mortgage is an <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/a\/arm.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">adjustable rate mortgage<\/span><\/a><span style=\"font-weight: 400;\"> (ARM). With an ARM, your rate of interest changes along with market rates. This means that monthly payments could increase or decrease, depending on the direction of the rate of interest (set by the <\/span><a href=\"https:\/\/www.bankofengland.co.uk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Bank of England<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re considering an ARM, it\u2019s important to be aware of the potential risks involved. If interest rates rise, your monthly payments could become unaffordable. However, if you think interest rates will fall or stay relatively stable, an ARM could save you money in the long run.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another option is a variable rate mortgage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Variable rate mortgages work similarly to an ARM in that your rate of interest will fluctuate along with market rates. With a variable rate mortgage, your payments will go up and down along with changes in the Bank of England base rate. This can make it more difficult for you to budget each month.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e3fbff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e3fbff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dbb4ec2\" data-id=\"dbb4ec2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e96ec5 elementor-widget elementor-widget-text-editor\" data-id=\"6e96ec5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3848e909 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3848e909\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f3588f8\" data-id=\"6f3588f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a32f426 elementor-widget elementor-widget-text-editor\" data-id=\"4a32f426\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This type of mortgage can be a good option if you\u2019re comfortable with the idea of your rate of interest changing over time. However, it\u2019s important to remember that if interest rates rise, you could end up paying more than you would with a fixed rate mortgage.<\/span><\/p>\n<h2><b>Should I get a variable or fixed rate mortgage?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on your individual circumstances and generally on an affordability assessment. If you\u2019re comfortable with the idea of your rate of interest changing, variable rate mortgages could be a good option.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you prefer the security of knowing exactly how much you\u2019ll need to pay each month, a fixed rate mortgage may be better for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Speak to a mortgage specialist to learn more about which type of mortgage would be best for you.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-505b0968 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"505b0968\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45a57b5d\" data-id=\"45a57b5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4737f4b7 elementor-widget elementor-widget-text-editor\" data-id=\"4737f4b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Should I fix my mortgage now?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on market conditions at the time you&#8217;re considering fixing your mortgage. If rates of interest are low, it may be a good time to lock in a rate for a longer period of time. However, if interest rates are high, you may want to consider a shorter fixed interval.<\/span><\/p>\n<h2><b>For how long should I fix my mortgage?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The length of time you choose for your fixed mortgage rate period will depend on your personal circumstances and your confidence in interest rate changes. If you want the security of knowing exactly how much you&#8217;ll need to pay each month, then a longer fixed term may be the right option for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re happy to take a bit more of a risk in exchange for the potential to <a href=\"https:\/\/helpandadvice.co.uk\/101-money-saving-tips-corporate\/\">save money<\/a> if interest rates drop, then a shorter fixed term may be the best choice. Ultimately, it&#8217;s up to you to weigh up the pros and cons and decide what&#8217;s best for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When deciding how long to fix your mortgage for, there are a number of factors to consider. It&#8217;s important to speak to a mortgage specialist to learn more about which type of mortgage would be best for you before making a decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a number of factors to consider when deciding how long to fix your mortgage for.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-01f5151 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01f5151\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b3ca1b\" data-id=\"3b3ca1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df11f7c elementor-widget elementor-widget-text-editor\" data-id=\"df11f7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62574771 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62574771\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24ee1818\" data-id=\"24ee1818\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a7a6da9 elementor-widget elementor-widget-image\" data-id=\"7a7a6da9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1.png\" alt=\"\u200dshould i fix my mortgage\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-50-1-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-21586 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4256f53a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4256f53a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-268027d3\" data-id=\"268027d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-568e8a75 elementor-widget elementor-widget-text-editor\" data-id=\"568e8a75\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4><b>How long do you intend to remain in your property?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In the case that you are planning on selling your property in the near future, a shorter term may be the best option. This way, if interest rates drop, you\u2019ll be able to take advantage of lower rates when you refinance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, if you\u2019re planning on staying in your property for the long term, a longer term could be a good choice. This will give you the security of knowing exactly how much your monthly mortgage payments will be for an extended period of time.<\/span><\/p>\n<h4><b>What are market conditions like?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If interest rates are currently low, it may be a good idea to lock in a low rate for a longer period of time. However, if they are high, you may want to consider a shorter term.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This way, if rates fall, you\u2019ll be able to take advantage of lower rates when you refinance.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a25bb46 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a25bb46\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1f23d542\" data-id=\"1f23d542\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1afbab07 elementor-blockquote--skin-quotation elementor-blockquote--align-center elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"1afbab07\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.12.2 - 09-04-2023 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3a3f45}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-left:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-right-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-left:7px #f9fafa;border-style:solid;padding-left:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"A fixed mortgage is one agreed with a mortgage broker with a fixed interest rate for a specific length of time, usually two to five years. This means that your monthly payments will stay the same throughout the fixed term, providing you with confidence and security.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Help & Advice<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%22A+fixed+mortgage+is+one+agreed+with+a+mortgage+broker+with+a+fixed+interest+rate+for+a+specific+length+of+time%2C+usually+two+to+five+years.+This+means+that+your+monthly+payments+will+stay+the+same+throughout+the+fixed+term%2C+providing+you+with+confidence+and+security.%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F21574\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-715cfc28\" data-id=\"715cfc28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a278da2 elementor-widget elementor-widget-text-editor\" data-id=\"6a278da2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Other market conditions which are worth noting are the employment rate, inflation and the mortgage market. If the employment rate is high and inflation is low, this generally indicates that the economy is doing well. This could be a good time to take out a longer term loan as rates are likely to stay low for an extended period of time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, if the unemployment rate is high and inflation is also high, this often indicates that the economy is struggling. In this case, it may be a good idea to choose a shorter term so you\u2019re not locked into high-interest payments for an extended period of time.<\/span><\/p>\n<h4><b>Are you comfortable with risk?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Whether or not a hike in interest rates will have an impact on your mortgage is decided based on the type of mortgage you\u2019re taking out. If you\u2019re taking out a variable rate loan, your rate of interest is likely to rise. If you\u2019re on a tracker mortgage, it\u2019s pretty certain that it will.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you have a fixed-rate loan and it extends for more than one year, your payment won\u2019t change until the end of the fixed rate period.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-198a8209 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"198a8209\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d6f3be7\" data-id=\"d6f3be7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d3402fa elementor-widget elementor-widget-image\" data-id=\"1d3402fa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1.png\" alt=\"how long should i fix my mortgage for\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-37-1-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-21587 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47a9e37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47a9e37\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa0d933\" data-id=\"fa0d933\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53455dd elementor-widget elementor-widget-text-editor\" data-id=\"53455dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ab0c5c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ab0c5c5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1dcd05c0\" data-id=\"1dcd05c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-668d03a1 elementor-widget elementor-widget-text-editor\" data-id=\"668d03a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019re happy to take on a bit more risk in exchange for the potential to save money if interest rates plummet, then a shorter fixed term may be the best choice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you prefer the security of knowing exactly how much you\u2019ll need to pay each month, then a longer fixed term may be the right option for you.<\/span><\/p>\n<h4><b>What is your financial situation?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If you\u2019re comfortable with the idea of your rate of interest changing, a variable rate mortgage could be a good option. However, if you prefer the long term security for your future plans of knowing exactly how much you\u2019ll need to pay each month, a fixed mortgage rate may be better for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Consider your financial situation and decide what type of mortgage would best suit your needs.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-412cbf6d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"412cbf6d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23d9928\" data-id=\"23d9928\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c5920a1 elementor-widget elementor-widget-text-editor\" data-id=\"6c5920a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fixing your mortgage can offer some advantages and disadvantages depending on your individual circumstances. It\u2019s important to speak to a mortgage specialist to learn more about which type of mortgage would be best for you before making a decision.<\/span><\/p>\n<h4><b>How much can you afford to pay?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on your individual circumstances. You\u2019ll need to consider your current financial situation and what you can afford to pay each month before deciding how long to fix your mortgage for.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, if you choose longer fixed terms, your payments will be higher. However, you\u2019ll have the security of knowing exactly how much you\u2019ll need to pay each month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, if you go for a shorter fixed term, your payments will be lower. But, if the interest rate rises, your payments could increase.<\/span><\/p>\n<h4><b>What about overseas buyers and buy to let owners?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If you\u2019re an overseas buyer or buy to let owner, you may want to consider a shorter fixed term. This way, if interest rates fall, you\u2019ll be able to take advantage of lower rates when you refinance.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f4f965 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f4f965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bed52f8\" data-id=\"bed52f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a0cd6f elementor-widget elementor-widget-text-editor\" data-id=\"9a0cd6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78d40202 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78d40202\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-492eb291\" data-id=\"492eb291\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2759ccf9 elementor-widget elementor-widget-image\" data-id=\"2759ccf9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1.png\" alt=\"2 year or 5 year mortgage\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-36-1-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-21588 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41f58395 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41f58395\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-126e410c\" data-id=\"126e410c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b37216c elementor-widget elementor-widget-text-editor\" data-id=\"7b37216c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4><b>What flexibility could I get with a fixed rate mortgage?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">With a fixed rate mortgage, most lenders will allow you to make overpayments without an early repayment charge. However, on some fixed rate deals, early repayment charges apply.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may also be able to take a payment holiday in some cases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s important to speak to your mortgage lender to learn more about early repayment charges and the flexibility they offer with fixed rate mortgages, and whether you would be subject to an early repayment charge.<\/span><\/p>\n<h2><b>The benefits of a longer fixed rate full mortgage term<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You\u2019ll have the peace of mind of knowing exactly how much your repayments will be for the next few years. This can make budgeting easier and help you to plan for the future.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9cb66b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9cb66b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-673a986f\" data-id=\"673a986f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2862cb8d elementor-widget elementor-widget-text-editor\" data-id=\"2862cb8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In the case of an interest rate rise during your fixed period, you\u2019ll still be paying the lower, fixed rate. This could save you a significant amount of money over the life of your mortgage.<\/span><\/p>\n<h2><b>The benefits of a shorter fixed rate mortgage term\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If interest rates drop during your fixed term deal, you\u2019ll be able to take advantage of lower rates by refinancing. This could save you money in the long run.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A shorter fixed period may have a lower interest rate than a longer term mortgage. This could reduce your mortgage repayments.<\/span><\/p>\n<h2><b>What happens at the end of the fixed term?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When your fixed rate period ends, your mortgage will revert to what\u2019s called a variable rate mortgage based on your lender\u2019s <\/span><a href=\"https:\/\/moneyfacts.co.uk\/mortgages\/guides\/what-is-a-standard-variable-rate\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">standard variable rate<\/span><\/a><span style=\"font-weight: 400;\"> (SVR). This means that you might end up making lower or higher repayments, depending on changes to the Bank of England \u2018base rate\u2019 and how this affects your lender\u2019s SVR.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re on a standard variable rate mortgage, you may be able to remortgage to a new fixed rate deal when your current deal ends. This could give you the security of knowing exactly how much your repayments will be for an extended period of time.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-df45bab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df45bab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8cb777\" data-id=\"e8cb777\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0658d elementor-widget elementor-widget-text-editor\" data-id=\"5d0658d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43e9d23c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43e9d23c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-290b7d2e\" data-id=\"290b7d2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10e083c8 elementor-widget elementor-widget-image\" data-id=\"10e083c8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23.png\" alt=\"how long can you have a mortgage for\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2022\/06\/Untitled-design-23-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-21589 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12c6e441 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12c6e441\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-567ca9d4\" data-id=\"567ca9d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-791da579 elementor-widget elementor-widget-text-editor\" data-id=\"791da579\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What should I do if I&#8217;m ready to fix my mortgage?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re ready to fix your mortgage, before you make your mortgage application, you&#8217;ll need to consider mortgage options from many lenders, and you should speak to a mortgage specialist or mortgage expert to negotiate a new deal. They&#8217;ll be able to help you compare different mortgage deals and find a better deal for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re ready to compare <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-calculator\/\">mortgage deals, make sure you use a mortgage calculator<\/a> to get an estimate of how much you could borrow and what your monthly repayments might be.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This will help you budget for your new mortgage and find the cheapest deals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also employ an affordability calculator to see how much you can afford to pay each month. This will aid you in narrowing down your search to find the best mortgage deal for you.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ac58ab1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ac58ab1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-314e4450\" data-id=\"314e4450\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dedd587 elementor-widget elementor-widget-text-editor\" data-id=\"5dedd587\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>How to find the best deal on a fixed rate mortgage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for the best mortgage rates, it\u2019s important to compare a range of different deals from different mortgage lenders in the financial services register, not just look for a new mortgage deal from your current mortgage provider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Make sure you use a mortgage comparison service to compare deals from a wide variety of lenders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also consult mortgage advisers or use a mortgage affordability calculator to get an estimate of how much you could afford to pay each month. This will help you narrow down your search and find a cheaper deal and the best mortgage rates for you for borrowing money.<\/span><b>\u00a0<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65e07c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65e07c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3005e75d\" data-id=\"3005e75d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-20b8d2bf\" data-id=\"20b8d2bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11ac6948 elementor-widget elementor-widget-text-editor\" data-id=\"11ac6948\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7992777b\" data-id=\"7992777b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3115ad75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3115ad75\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-491723c0\" data-id=\"491723c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1afb2fee elementor-widget elementor-widget-text-editor\" data-id=\"1afb2fee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Article author<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-791c1048 elementor-widget elementor-widget-image\" data-id=\"791c1048\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.webp 150w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.webp 768w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg\" height=\"1024\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.jpg 150w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-12735 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-618ede57\" data-id=\"618ede57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6464d645 elementor-widget elementor-widget-text-editor\" data-id=\"6464d645\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Katy Davies<\/h3><p>I am a keen reader and writer and have been helping to write and produce the legal content for the site since the launch.\u00a0 \u00a0I studied for a law degree at Manchester University and I use that theoretical experience, as well as my practical experience as a solicitor, to help produce legal content which I hope you find helpful.<\/p><p>Outside of work, I love the snow and am a keen snowboarder.\u00a0 Most winters you will see me trying to get away for long weekends to the slopes in Switzerland or France.<\/p><p><strong>Email<\/strong>\u00a0&#8211;\u00a0<a href=\"mailto:katy@helpandadvice.co.uk\">katy@helpandadvice.co.uk<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b9c980b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b9c980b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7d602864\" data-id=\"7d602864\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6509f70b\" data-id=\"6509f70b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74c9f65e elementor-widget elementor-widget-text-editor\" data-id=\"74c9f65e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d6dc164\" data-id=\"d6dc164\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32240a35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32240a35\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5b698569\" data-id=\"5b698569\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cf31149 elementor-widget elementor-widget-text-editor\" data-id=\"7cf31149\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\">Frequently Asked Questions<\/h3>\n<p><b>How does a fixed term mortgage work?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A fixed mortgage works by the lender agreeing to give the mortgage borrowers a set interest rate for a specific period of time. This could be for 2, 3 or 5 years, and during this time, your monthly repayments will stay the same.<\/span><\/p>\n<p><b>What are the disadvantages of a fixed term loan?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">One potential disadvantage of a fixed term loan is that if rates of interest fall during your mortgage term, you\u2019ll still be stuck paying the higher, fixed rate.<\/span><\/p>\n<p><b>Should I fix my mortgage now?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on market conditions at the time you\u2019re considering fixing your mortgage. If rates of interest are low, it may be a good time to lock in a rate for a longer period of time. However, if interest rates are high, you may want to consider a shorter fixed interval.<\/span><\/p>\n<p><b>What about overseas buyers and buy to let owners?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re an overseas buyer or buy to let owner, you may want to consider a shorter fixed term. This way, if interest rates fall, you\u2019ll be able to take advantage of lower rates when you refinance.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3d565e7\" data-id=\"3d565e7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69184779 elementor-widget elementor-widget-text-editor\" data-id=\"69184779\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1042cfb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1042cfb5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7828c0b3\" data-id=\"7828c0b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28be0244 elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"28be0244\" data-element_type=\"widget\" data-widget_type=\"elementor-faq-schema.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                                    <script type=\"application\/ld+json\">\n                    {\n                        \"@context\": \"https:\/\/schema.org\",\n                        \"@type\": \"FAQPage\",\n                        \"mainEntity\": [\n                         {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How does a fixed term mortgage work?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;A fixed mortgage works by the lender agreeing to give the mortgage borrowers a set interest rate for a specific period of time. This could be for 2, 3 or 5 years, and during this time, your monthly repayments will stay the same.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What are the disadvantages of a fixed term loan?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;One potential disadvantage of a fixed term loan is that if rates of interest fall during your mortgage term, you\u2019ll still be stuck paying the higher, fixed rate.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- Should I fix my mortgage now?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;The answer to this question depends on market conditions at the time you\u2019re considering fixing your mortgage. If rates of interest are low, it may be a good time to lock in a rate for a longer period of time. However, if interest rates are high, you may want to consider a shorter fixed interval.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What about overseas buyers and buy to let owners?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;If you\u2019re an overseas buyer or buy to let owner, you may want to consider a shorter fixed term. This way, if interest rates fall, you\u2019ll be able to take advantage of lower rates when you refinance.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    }\n                    ]\n                    }\n                <\/script>\n                    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-137917ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"137917ba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 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27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How Long Should I Fix My Mortgage For in What is a fixed term mortgage? A fixed mortgage is one agreed with a mortgage broker with a fixed interest rate for a specific length of time, usually two to five years. This means that your monthly payments will stay the same throughout the fixed term, [&hellip;]<\/p>\n","protected":false},"author":93,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/21574"}],"collection":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/users\/93"}],"replies":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/comments?post=21574"}],"version-history":[{"count":56,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/21574\/revisions"}],"predecessor-version":[{"id":44357,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/21574\/revisions\/44357"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=21574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/categories?post=21574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/tags?post=21574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}