Which mortgage?

Discover your options

Tracker mortgages
Trackers will track a set index, usually the Bank of England base-lending rate (up or down), either for the whole term or for a fixed period. Trackers are a suitable choice if you believe interest rates will go down in the future.

Flexible mortgages
While most mortgages control you, you have the control with a flexible mortgage. They adapt to changes in your lifestyle and cash flow, letting you underpay, overpay, take payment holidays, pay off lump sums and borrow on over-payments.

Capped-rate mortgages
This type of mortgage has a capped level of interest, which it will not exceed during the capped period you have selected. This provides you with the security that, if interest rates rise, you know what your maximum mortgage payments will be.

Discounted-rate mortgages
You receive a discount off the lender’s variable rate for a specified period. Attractive discounted variable rates are available, but avoid extended redemption tie-ins.

Fixed-rate mortgages
If you want your repayments to stay the same over a certain period, go for a fixed rate deal, but again avoid extended redemption tie-ins.

Variable-rate mortgages
Opt for this type of mortgage if you are prepared to go with the interest rate flow, avoiding arrangement fees.



If you would like to discuss your specific property requirements with us please e-mail or contact us to arrange a meeting.

Your property may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice you can choose how we are paid: pay a fee, usually 0.5% of the loan amount, or we can accept commission from the lender.

Prior Knowledge is an appointed representative of Sesame Ltd. The site is intended for UK consumers only. Principal: A Prior