So if you're concerned about interest rate rises, I may suggest a fixed rate, it won't always match a discounted variable rate for value. But it will provide peace of mind. For someone less risk averse there is other options such as tracker schemes.
However, the rate isn't everything, low monthly payments are desirable but not if the provider is inefficient or neglectful. If there are onerous early redemption charges, large arrangement fees or not being able to move the mortgage across if you move house.
My role does not stop at finding a lender, I guide each application right through to completion and stay with you all the way.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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