Two year fixed rate mortgages

Mortgages: 0800 840 6500.

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Why choose a two year fixed rate mortgage

Two year fixed rate mortgages often come with a higher arrangement fee than tracker mortgages. Despite this, they remain popular with borrowers as your monthly repayments are fixed for a two year period, which means if interest rates increase your monthly repayments will remain the same.

However, if rates drop during the two year period you will not benefit from the lower mortgage interest rates that are available. Also, if rates do rise over the two year period you could end up having a sharp increase in your monthly repayments when your two year deal ends.

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