Fixed Rate Product

Expert Mortgage Brokers in Colchester

A fixed rate mortgage gives you certainty and peace of mind by locking your interest rate for a set period — typically 2, 3, 5 or even 10 years. This means your monthly mortgage payments remain the same throughout the fixed term, regardless of changes in the wider interest rate market.

Why choose a fixed rate?

Payment stability – your repayments won’t increase during the fixed period

Budget confidence – ideal for households or investors who value predictable outgoings

Protection against rate rises – particularly important in uncertain or rising markets

Clear planning – useful for families, first-time buyers, and portfolio landlords alike

Is a fixed rate right for you?

Fixed rates can suit a wide range of borrowers, including:

First-time buyers wanting certainty in early homeownership

Home movers seeking stability during a change in circumstances

Remortgaging clients looking to control costs

Buy-to-let landlords managing long-term cash flow

However, fixed rate products often come with early repayment charges if you exit the mortgage before the fixed period ends. That’s why it’s important to match the product not just to today’s rate, but to your future plans.

Our approach
We don’t simply look for the lowest headline rate. We take time to understand:

How long you realistically want to stay with the lender

Your plans to move, remortgage, or raise capital

Whether flexibility or certainty is more important to you

This ensures the fixed rate you choose works for your situation — not against it.

If you’re unsure whether a fixed rate is the best option, we’ll clearly explain the alternatives and help you make a confident, informed decision.