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Getting the best mortgage deal

 

Getting the best mortgage deal

When you first take out a mortgage you start on an initial interest rate, which usually lasts for one to five years, before moving on to the lender’s standard variable rate. You can choose either a fixed- or variable-rate deal.

Which one you should choose depends on whether you think your income is likely to change, whether you prefer to know exactly what you will be paying each month, or if you could cope if your monthly payments went up.

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