Hi all I have just came into some money recently and I would like to purchase my first house with a mortgage. I have tried quotes from my current bank providers, good news I was accepted but have quite found the right mortgage quote that suites me yet, the mortgage that I have chosen to go for is a fixed deal, that way I know exactly how much I will be paying over the next 25 years. I know there is a very good chance that the mortgage rates may go down but I cannot take a risk as I have a set budget to spend on the mortgage each month.
Mortgage rates vary and the key point with fixed rates is that no matter what the market does i will pay a flat rate all the way threw.
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