10 Year Mortgage

tailored to you. 

suitable for you

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find low % 10-year fixed mortgage deals.

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Contact Us

Our Office is open 9am-5pm from Monday to Friday. Please contact us by either phone or email, using the contacts below.

Phone number 01332 821340
Office Address 4 Chatsworth House, Prime Business Centre, Raynesway, Derby, DE21 7SR
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Find a 10 year Mortgage

There are a lot of mortgage deals on the market today that allow you to fix your rates and monthly payments, sometimes for as much as 10 years. You can apply for a 10-year fixed mortgage if you decide that is the most suitable option for you and your circumstances.

The mortgage provider will then look at your finances to decide if you can afford it. For more information and guidance about 10-year mortgage rates or any other type of mortgage get in touch with Finance Advice Centre today. Our specialist advisers will answer any questions you might have and can help find the most suitable deals for you.

How to find the best 10-year fixed rate mortgage?

If you are not sure what to look for when searching for mortgage deals then the following information should point you in the right direction.

You can find 10-year fixed mortgage rates by checking:

The interest rate – which will influence how much your payments cost over the next 10 years
The loan to value (LTV) – the percentage of the property’s value that the mortgage is covering
Fees and charges – that you pay to take out the mortgage
You may be able to use these mortgage deals to buy your first home, get a remortgage, or move to a new house.

Why should you get a 10-year fixed mortgage?

With a guarantee that your interest rate won’t change for the full 10 years, you will have certainty regarding your monthly repayments, knowing that the amount you pay each month won’t change for a decade. Even if the Bank of England’s base rate or your provider’s standard variable rate (SVR) goes up, your mortgage payments will stay the same. This can make long term budgeting and financial planning much easier, especially if you would struggle to afford your monthly payment if it were to go up.

If interest rates rise during the 10-year term of your mortgage, you will probably save money by not being on a variable rate. You could possibly find yourself on one of the cheapest mortgage rates available. Also, by signing up to a long-term deal you can avoid having to pay to arrange a new deal in a few years’ time.

As a mortgage is secured against your home it could be repossessed if you do not keep up the mortgage repayments.

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Whole of Market Mortgage Advice

Being able to give ‘Whole of Market’ Mortgage Advice means that we have access to the widest range of lenders. These lenders include “High Street Banks, “Challenger Banks and Building Societies . However, just because a mortgage advisor has access to the Whole of the Market, doesn’t mean that they necessarily have the right knowledge or expertise to be able to give you the right Mortgage Advice and therefore the best products. We believe that Finance Advice Centre is very different. Our Advisers are all trained with specialist complex cases in mind. No matter how challenging your situation, if there’s a solution for you, we’ll do everything we possibly can to find it!

We especially enjoy working on complex mortgage cases. One example is if you’re trying to get a mortgage but have only just started a new job. Many lenders will require you to have been working in that role for a set amount of time. Having access to the Whole of Market wouldn’t necessarily mean that all advisors giving Mortgage Advice know which lenders to place your case with even though they are able to use all of them. Clients who are recently self employed or contractors often cause other advisors problems. However, our advisors specialise in these types of cases and deal with them every day.

Finance Advice Centre Ltd is an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority in respect of mortgage and insurance mediation activities only. Finance Advice Group Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 624517.

Some types of buy to let mortgages are not regulated by the Financial Conduct Authority.

As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.