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Fixed rates are great if you want to know exactly what you are paying for a set period. Specifically in terms of buy to let they can be a great way to manage your costs. Sometimes fixed rates aren't as cheap as the best tracker rates available to landlords, but they do offer the certainty that your payment won't go up.
Fixed rate buy to let mortgages can range from one year up until five years, sometimes even longer. Three year fixed rates can offer a happy medium in that they can be considered long enough that you don’t feel like you’re remortgaging every other year, but without the longer term tie in of a five year fix.
The risk with fixed rate mortgages is that if rates remain low, or go down during the term, you could end up paying more than you would have done on a variable or tracker rate.
For a buy to let landlord that means that you could miss out on extra profit, in return for the payment security of a fixed rate.
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