Though fixed rate mortgages aren’t for everyone, many borrowers chose them to have the reassurance of knowing how much their mortgage payments will be each month, until the fixed rate deal comes to an end. The decision of whether to fix or not, and then how long to fix for is a highly personal one based on many factors such as if/when you might want to move. If you speak to an independent mortgage adviser regulated by the FCA, they’ll be able to give you advice based on your circumstances and talk through which deal would be best for you based on a wide range of factors. Here at Which? Mortgage Advisers our expert advisers will take your individual circumstances into account when making their recommendation, and because they’re paid a salary rather than commission you can be sure that they’re only recommending a mortgage that’s right for you.