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Once the fixed period ends, borrowers are pushed on to the lender's "standard variable rate", which can be much higher. The good news is that many mortgage lenders have now reduced the amounts they charge.

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Will you still be able to handle the rising fees in the event of interest rates going up? Types of mortgage available Mortgage rates are the rate of interest charged on a mortgage.

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Credit will be secured by a mortgage on your property. For example, if you are going for a two-year fix you need to work out the cost of your repayments over the term: