Fixed or Tracker Mortgage Rates: What Advisers Must Assess

Fixed or Tracker Mortgage Rates hero image showing a balanced scale with a house and padlock on one side, and rising bars with a percentage symbol on the other, in dark blue and light blue branded colours.

Fixed or Tracker Mortgage Rates: Choosing between fixed and tracker mortgage rates is not simply a forecast about where interest rates may move. It is a suitability decision. The adviser must assess payment certainty, financial resilience, product costs and the client’s future plans. A lower initial rate may offer short-term value. However, it may not provide […]