Fixed rate mortgages are exactly that, the interest rate is fixed for a certain length of time, which can be anything from 1 year plus. This means that your monthly payment will be the same every month for the length of the term regardless if interest rates go up or down.

In addition to this there is normally a reservation fee and some have extended tie in, so that after the fixed term policy you have to remain with them for a set number of years on one of their other policies.

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