Expert Mortgage Advice & Suitable 20-Year Mortgage Deals For You

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find low % 20-year mortgage deals.

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We work with high street and other lenders so you’ll get access to suitable deals that you may be able to apply for.

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Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

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From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

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We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

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Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

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Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

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So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

Find a 10-year mortgage

There are a lot of mortgage deals on the market today that allow you to make regular monthly payments for a fixed number of years over a lengthy time period. You can apply for a 20-year mortgage if you decide that is the most suitable option for you and your financial situation.

The mortgage provider will then look at your finances to decide if you can afford it. For more information and guidance about 20-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.

Can you get a 20-year mortgage?

Standard mortgage terms in the UK are typically 25 years, but you can get a mortgage that lasts between 6 months and 40 years. For example, if you took out a 25-year mortgage in 2010 and made all of the repayments, it would be fully paid off by 2035. If you are getting your first mortgage:

  • A term of less than 20 years is considered to be a short-term mortgage
  • A term that is 30 years or more would be a long-term mortgage

However, when it comes to fixed interest rates long-term fixed rate deals have been quite rare since the 2008 financial crisis as lenders have become increasingly risk averse. So, in terms of 20-year fixed mortgage rates you may struggle to find a good offer from a lender, but it is still worth researching and seeing what is available to you.

What mortgage term is most suitable?

When comparing mortgages for the same amount borrowed, but over different time periods, longer term mortgages generally cost less per month because the repayments are spread over an extended term. However, you will pay more overall because you are charged more interest when you have a mortgage over a longer term.

Shorter term mortgages for a same sized mortgage will cost more each month but let you pay the balance off quicker. Therefore, you will own your home outright much quicker and pay less overall because you are charged less interest.
Everyone’s financial circumstances are different and what may be suitable for one person might not suit someone else. So, the most suitable mortgage term is one that gives you affordable monthly repayments but does not have you paying more interest than is necessary. 20-year mortgages will give you slightly higher monthly payments so make sure you can fully afford them before you commit but you will pay less at the end as you won’t pay as much interest as a 30-year mortgage for example.

It’s important to decide how long you want to repay your mortgage as well. For example, if you retire in 20 years and want to be mortgage free by then, you could choose a 20-year term if you can afford it.

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

Where can you find the most suitable 20-year mortgage deals?

If you decide that a 20-year mortgage is the most suitable option for your financial situation the next thing you should do is compare the deals that are on offer from different lenders. The amount you will pay also depends on current mortgage interest rates and how expensive or cheap they are.

The most suitable 20-year mortgage for you will be the one you can afford over the duration of the mortgage, so you need to consider all costs including any fees and interest payments. There is a lot of competition in the mortgage market, so it is advisable to compare a wide range of lenders and offers before you agree to commit to a mortgage. If you need any further help or guidance about 20-year mortgages get in touch with Finance Advice Centre today. Our expert advisers will be able to provide you with top advice and help you find the most suitable deals to your personal situation.

How should you choose the length of your mortgage?

When applying for your mortgage, the length of the term for your repayments will be one of your key considerations. It is best to speak to an independent mortgage broker or adviser about the right term for you. Your adviser will take into account all your circumstances, not just the mortgage’s immediate affordability, and might suggest alternative ways to reduce your monthly repayments rather than extending your mortgage.

Can you lengthen the term of an existing 20-year mortgage?

Providers will generally allow you to apply to extend your mortgage, but they will run some checks on you before extending it. Keep in mind that some lenders can also have an upper age limit, so if you’re old enough by the end of the 20 years that you may not be earning enough to keep the payments going, you might not be able to extend it. The lender will want to be reasonably sure that you can afford the monthly repayments for the entire length of the loan.

Can you shorten an extended mortgage once you’ve taken it out?

Another option is to take out a longer mortgage at the start and then shorten it later on by remortgaging, for example, you can shorten a 25-year mortgage to a 20-year one. In many ways this can be an attractive option. Your personal circumstances can improve over time; you may start to earn more money, you might inherit some money, and the same could apply to your partner. This could help you afford higher monthly repayments.Therefore, you could initially buy a home by taking out an extended mortgage and then look to shorten the terms of that mortgage as soon as you can, by remortgaging to a shorter term.

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

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.