17/06/2026
How do you choose the right mortgage deal in uncertain times?
Fixed rate or tracker? Short or long-term deals?
Here's some of the things to consider:
Fixing for longer, such as five years, can give long-term peace of mind that you know exactly what your budget will be.
This can help with financial planning, but you will not benefit during that time if the interest rate falls.
Opting for a two-year fixed rate might give the lowest starting pay rate on your mortgage, but the fees can be high on the best deals.
In addition, you will need to remortgage, potentially paying another high arrangement fee, in two years.
Short-term tracker rates tend to have more competitive rates, compared to longer-term or lifetime tracker deals.
Long-term tracker rates often come with greater flexibility, such as the opportunity
to repay the loan in full without penalty, which may suit some borrowers.
If you would like help choosing the best deal to suit your circumstances, we would love to help.
Contact one of our friendly advisers to find out more: www.nathanind.co.uk
Your home may be repossessed if you don't keep up repayments on your mortgage.
Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).
SJP Approved: 12/06/2026