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Mortgages – compare capped mortgages

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Capped rate mortgages provide an outer limit on the interest rate you will pay over a given period of time. While capped rate mortgages tie you in for a set period of time, similar to fixed rate mortgages, they’re well suited to people who can only afford for their mortgage payments to rise so far.

With a capped rate mortgage, you benefit if your mortgage lender’s variable rate climbs higher than the capped rate, and you also get the certainty of knowing your mortgage will only climb so high. However, if your lender’s variable rate falls below the capped rate, you’ll end up paying what everyone else is paying. The biggest drawback of capped rate mortgages is the cost of knowing your mortgage rate will climb so high; capped rate mortgages are usually higher than fixed rate mortgages.

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At a glance: Fool.co.uk’s top mortgages

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Mortgage information based on a mortgage of £125,000, over 20 years, on a property worth £150,000.

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Some lenders will not put the recent Base Rate increase into effect until the end of the month, so some of the rates shown here still reflect the old Base Rate.

The Motley Fool Mortgage Service is powered by Fool Financial Services Ltd, Golden House, 30 Great Pulteney Street, London, W1F 9LT. Fool Financial Services Ltd is authorised and regulated by the Financial Services Authority (FSA FRN 479153).

Fool Financial Services Ltd also works with other mortgage brokers, London & Country, John Charcol and Charcol. The Motley Fool Mortgage Service provides you with free, whole of market mortgage advice.

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