If you are looking for mortgages that are fixed a little below the standard variable rate then a Top Ten Discounted Rate Mortgages might be what you need.
With typical terms of 1 year to 3 years, your interest can be charged at an agreed discount off the bank's standard variable rate. But, if you repay early you might have to pay an early repayment fee, which might mean being transferred in the bank's standard variable rate for a few years.
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