Jigsaw Independent Mortgages specialise in fixed rate mortgages. With a fixed rate mortgage, you repay the lender each month at a fixed interest rate for a certain period of time regardless of the interest rate in the market place. Fixed interest rates tend to be over a period of 2 to 5 years but shorter and longer periods can be found. At the end of the fixed rate period the rate will normally revert to the lenders Standard Variable Rate.

It is normal for lenders to charge fees in advance in the form of booking and/or arrangement fees on fixed rate mortgages. Lenders also frequently apply an Early Repayment Charge for fixed rate mortgages which act as a 'lock-in' making an often heavy charge for borrowers paying off their mortgage early. This lock-in period sometimes last longer than the fixed rate period, for example you may have taken out a 3 year fixed interest mortgage and find that you are locked in for five years, meaning that you will either have to pay the Standard Variable Rate for two years or face paying an early repayment charge if you want to remortgage onto a lower rate with another lender.

To ensure you are not tied in with any nasty surprises lurking at the end of your fixed rate mortgage simply fill in the form on this page and one of our mortgage advisors will give you a call to discuss your circumstances.

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