5 articles tagged with Fixed Rate.
Start looking 6 months before your fix ends. How to lock a rate early, calculate ERCs, compare 2yr vs 5yr vs tracker, and decide whether to port or overpay first.
What to do in the six months before your fixed-rate mortgage deal ends, including the standard variable rate trap and how to compare a product transfer against a full remortgage.
Overpaying your mortgage by £200/month on a £200k, 25-year, 4.5% deal saves around £28,000 and cuts 5 years off your term. But the 10% annual limit, ERC traps, and low-rate fixed deals can change the maths. Full guide with worked examples.
How to choose between fixed and tracker mortgages in 2026, and whether a 2-year or 5-year fix is right for you — with break-even analysis and BoE rate forecasts.
Paying an Early Repayment Charge to exit a high-rate fix early can save thousands — if the maths work. Here's the break-even calculation, current 2026 market rates, and when to wait instead.
