Call our Mortgage Brokers 01727 845500

Mortgage Advice

Mortgage advice with the personal touch

Mortgage Advice

Lonsdale Mortgage brokers offer customers quality independent mortgage advice.

Extremely clear and efficient advice and support. Nothing was too much trouble.”

Mr M, St Albans, Hertfordshire

Mortgages

Which mortgage suits you?

Mortgage Review

Save time and call our Lonsdale mortgage adviser on 01727 845500 for a no obligation mortgage review.

Stuart has been excellent in following up the issues with my re-mortgage and has taken responsibility for requests I would not have expected.”

Mr C, Harpenden, Hertfordshire

Insurance & Protection

Protect your family and home

Call our Lonsdale mortgage brokers now on 01727 845500 for quality mortgage advice

Fixed Rate Mortgages

What is a fixed rate mortgage?

A fixed rate mortgage has a fixed interest rate for the term of your mortgage. Your mortgage interest does not change even if the Bank of England puts up UK interest rates.

You can fix your mortgage term for any period but most fixed mortgages are fixed from a year to 10 years. when your fixed rate period ends you could fix your mortgage again at a new mortgage interest.

Is a fixed rate mortgage right for you?

Is a fixed rate mortgage for you - review the advantages and disadvantages below.

For a personalised recommendation call our St Albans mortgage brokers today on 01727 845500.

Advantages with fixed rate mortgages

  • You will know in advance how much your monthly mortgage payment will be, which will allow you budget more easily
  • Your monthly payment remains the same even if interest rates rise

Book a consultation

Save time and call our Lonsdale mortgage broker on 01727 845500 for an initial no obligation mortgage review. Or complete our mortgage enquiry form and get the right mortgage for your situation.

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Disadvantages with fixed rate mortgages

  • You will miss out on a lower monthly mortgage payment if interest rates fall and your lender reduces their mortgages rates.
  • During the fixed term early repayment charges may apply if you want to repay all or part of your mortgage.
  • Some fixed rate products are expensive to set up so these charges should be factored into your decision making.
  • When you come to the end of your mortgage term your repayments may increase if interest rates have risen during fixed rate term.

Thanks for your help in helping our family move into our new home.”

Mr M, Watford, Hertfordshire

Mortgage Types