Mortgage deals 2015.

This year mortgage rates have been set at incredibly low levels, and for those looking for a 2015 mortgage the advice is to act now while it is still possible to lock into an historically low rate offer.

Mortgage rates have fluctuated this year with rates rising pre summer and falling back over autumn to levels which have rarely been seen before.

As lenders attempt to entice new mortgage customers, many have released cheaper and cheaper mortgage offers as incentive to switch lenders.

Deposit levels are still key to a good mortgage offer how through Deal Direct competitive offers are available at all deposit levels.

If you would like to review your options for 2015 to find the right mortgage at the right rate, call us on 0800 048 8828.

Choosing the best mortgage for your circumstances in 2015.

• Factor in all costs. When choosing the right mortgage there is more to consider than just the headline rate.
• Is a straightforward repayment mortgage the best option? With a repayment option you pay off both the interest owed and the capital debt. At the end of your term you will have paid off your mortgage in full.
• Which mortgage term would be best? When deciding on your mortgage term a longer term deal means lower monthly repayments. However a longer term deal means more monthly repayments which means more to payback over the entire loan.
• Fixed or variable rate mortgage? Which option is best for you depends on your attitude to financial risk. If you are willing to take a risk for a lower rate then a variable option may work best. If you are risk averse and want to know your repayments will remain the same then a fixed rate may be the better option.
• High fee or fee free mortgage? It is vital therefore to factor in all of the associated costs to ensure that the mortgage you are being offered is competitive over all.
• Seek expert help to ensure you get the best deal. It is advisable to seek expert help when searching the market as it is important to ensure you do not pay more for your mortgage than you need to.

There are thousands of products on offer from UK lenders and when working on your own it is just not possible to contact every lender for their best mortgages for 2015.

By seeking professional mortgage advice and guidance from Deal Direct you can be assured that you achieve the best offer possible for your financial circumstances.

Call us today on 0800 048 8828,

let us find you a mortgage for 2015.