Fixed rate mortgages: These mortgages have a fixed interest rate for a set period of time, usually between 2 and 5 years. The interest rate and monthly payments remain the same during this period. 
Variable rate mortgages: These mortgages have an interest rate that can change during the term of the mortgage. The rate is usually linked to the Bank of England base rate and can go up or down depending on changes in the base rate. 
Tracker mortgages: These mortgages are linked to the Bank of England base rate and will move up or down in line with changes in the base rate. 
Discounted rate mortgages: These mortgages have an interest rate that is discounted from the lender's standard variable rate for a set period of time. 
Capped rate mortgages: These mortgages have a cap on the interest rate, meaning that the rate cannot go above a certain level, even if the base rate increases. 
Also .... 
Offset mortgages: These mortgages allow borrowers to offset the amount of savings they have against the amount of mortgage debt they have, potentially reducing the amount of interest they pay on their mortgage. 
Flexible mortgages: These mortgages allow borrowers to make overpayments, underpayments, or take payment holidays during the term of the mortgage. 
Lifetime mortgages: These mortgages are designed for those aged 55 or over and allow borrowers to release equity from their home, while still retaining ownership of the property. 
Tagged as: interest, mortgage, rates
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