Fixed interest rate mortgage

A Fixed Interest Rate mortgage, is a mortgage product that has a fixed interest rate for a set and specified period of time. The fixed interest rate (and therefore the monthly payment) will not change, whether interest rates in general rise or fall. Fixed Interest Rate periods may vary from as little as 3 months to 25 years. Fixed Interest Rate mortgages are particularly popular when interest rates are rising, or when it is expected that interest rates may rise.

The key advantage of a Fixed Interest Rate mortgage is that it will allow you to budget the exact monthly cost of your mortgage for a pre-determined period of time. It is certainly an advantage to know what your mortgage will cost - and more importantly, that the cost will not increase to a level that will put financial pressure on you.

Following the completion of our simple mortgage enquiry form, your enquiry will be electronically allocated to an independent mortgage adviser. They will guide you through the mortgage advice process in a clear and transparent manner. The information provided will allow them to begin to source the most appropriate mortgage for you.

1st Direction Mortgages (UK) introduces to Park Row Associates Ltd and other strategic (independent) advice partners. Park Row Associates Ltd are a national independent financial advice company who are authorised and regulated by the Financial Services Authority. 1st direction mortgages, as part of the Mortgage Introduction Services group of websites, believe very strongly that the, "Best Advice is Independent Advice". We are very careful to ensure that all our partner advice companies are, and remain to be, independent and retain whole of market access to ensure that you can obtain (through our service) the most appropriate mortgage to meet your needs. For information on our partner advice companies, please click here.

Our other strategic partners have been selected to compliment our association with Park Row. It will be clear to you which of our partners will deal with your request at the earliest possible stage

The aim of this service is to introduce people like yourself to an independent mortgage adviser, who can either advise and recommend a specific mortgage deal for you (based on your needs / circumstances) or can offer detailed information on suitable products to help you select the most appropriate mortgage deal available to meet your needs.

The key to our service is independence. Your adviser will be fully independent, and as such will review the whole UK mortgage market to give you advice and access to some exclusive deals. You are under no obligation to proceed.

You will be instantly notified by e-mail of any additional information required, using an easy to complete mortgage questionnaire form. All information will be contained on a secure server, and will remain confidential between you and your adviser.

We like people to remain in control, so the preferred methods of contact are both phone and e-mail. It can be arranged that an adviser can come to see you in person at your request, but find that most clients prefer to work remotely.

Once the adviser has obtained the information they require to find you the most appropriate deal, he / she will source from the whole UK market using in-house regularly updated mortgage sourcing software. He / she can e-mail or post recommended product illustrations for you to look over (or may be available to provide a face-to-face advice appointment with you).