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Kelsey’s guide to mortgages and home loans, for beginners

HomeCapped Rate Mortgage

One way to try and get the best of both worlds is to opt for a Capped Rate mortgage. This type of mortgage deal offers a fixed rate with the option that if national and bank interest rates go down within your fixed period by a substantial amount your interest rate will drop also in line with this decrease. Obviously the drop is not as dramatic as if on a pure variable rate deal but nevertheless offsets dome of the disadvantage of a fixed deal. The capped amount remains the maximum interest rate that you will pay.



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