Fixed rate buy-to-let

A fixed rate mortgage is when the interest rate on your loan remains fixed for however long the term of the loan is.

Typical fixed rate mortgages range from two to five year deals, but can last as long as ten years it just depends on lenders and what they are offering. Often, once a fix comes to an end, borrowers move onto their lender's standard variable rate.

Advantages of a fixed rate mortgage

You know from the beginning exactly how much your mortgage will cost you, and you are protected from any increases in rates, because your payments won't rise during the fix. This therefore gives you peace of mind and more security.

Disadvantages of a fixed rate mortgage

However, it also means that your payments won't fall if rates decrease. You also face higher starting rates with variable products, in addition to a high penalty if you want to get out early.

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