{"id":1,"date":"2016-07-26T20:00:11","date_gmt":"2016-07-26T20:00:11","guid":{"rendered":"http:\/\/staging.springbokproperties.co.uk\/blog\/?p=1"},"modified":"2025-12-08T12:27:34","modified_gmt":"2025-12-08T12:27:34","slug":"get-mortgage","status":"publish","type":"post","link":"https:\/\/www.springbokproperties.co.uk\/blog\/get-mortgage","title":{"rendered":"What kind of mortgage should you get? – Springbok Properties Blog"},"content":{"rendered":"

What kind of mortgage should you get?<\/p>\n

A mortgage is possibly one of the biggest financial commitments you will have in your life. When you look at the number of 0000s you\u2019re going to have to pay back the bank, it can feel quite daunting. So it\u2019s really important that you get to know the different types of mortgages so you can pick what\u2019s right for you.<\/p>\n

Fixed or variable?<\/strong><\/p>\n

Variable rates are often more appealing to begin with. They\u2019re likely to be lower than a fixed rate. But depending on how the rates change, you\u2019ll usually end up paying more in the long term. Variable rates mean the interest rate can be completely different from month to month, and year to year.<\/p>\n

Fixed rates means the interest rate will always be the same every month and can therefore be a lot more predictable to pay and budget for, as you\u2019ll be able to manage it every month in accordance with what you\u2019re earning.<\/p>\n

We suggest a fixed rate as the base rate for the Bank of England is due to go up. If the thought of even higher and unexpected mortgage rates worries you, then you should look for a secure fixed rate.<\/p>\n

Trackers or discounts?<\/strong><\/p>\n

Trackers are preferable if you decide that you want to go for a variable mortgage.<\/p>\n

Trackers will only change your mortgage rate if there\u2019s a change in the Bank of England\u2019s base rate.<\/p>\n

Discounts can change as they are associated with the lender\u2019s standard variable rate. This can change at the lender\u2019s discretion.<\/p>\n

What is the recommended length for a mortgage? <\/strong><\/p>\n

Regardless on whether you decide to go for trackers or discounts, fixed or variable, every mortgage will have a length of time for which you\u2019re tied into it. There\u2019s usually a penalty if you decide to exit early \u2013 so think about whether you\u2019re likely to move again in the next few years and if your circumstances might change due to job relocation or divorce, for example.<\/p>\n

Fees<\/strong><\/p>\n

When you first step into a mortgage, there\u2019ll often be quite a few set up fees. Make sure to ask what fees you\u2019re looking at and compare them with other mortgages.<\/p>\n

If you need any more help on which mortgage to pick or advice on anything else to do with property then Springbok Properties<\/a> is for you. Click here<\/a> for more info. on our recommended financial advisors.<\/p>\n","protected":false},"excerpt":{"rendered":"

What kind of mortgage should you get? A mortgage is possibly one of the biggest financial commitments you will have in your life. When you look at the number of 0000s you\u2019re going to have to pay back the bank, it can feel quite daunting. So it\u2019s really important that you get to know the … Continue reading “What kind of mortgage should you get? – Springbok Properties<\/a> Blog”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":55,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[4],"class_list":["post-1","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-property-buying"],"yoast_head":"\nWhat kind of mortgage should you get? - Springbok Properties Blog | Springbok Properties Official Blog<\/title>\n<meta name=\"description\" content=\"Discover expert guidance on get mortgage. Learn how Springbok Properties helps sellers achieve faster sales, better offers, and a smooth property journey.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.springbokproperties.co.uk\/blog\/get-mortgage\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What kind of mortgage should you get? - Springbok Properties Blog | Springbok Properties Official Blog\" \/>\n<meta property=\"og:description\" content=\"Discover expert guidance on get mortgage. 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