Training Session · Intermediate · 10–12 min+45 Mortgage Fitness Unlocks: Mortgage Types Aware badge

Understanding Mortgage Types

Fixed, tracker, offset, discount, capped — each behaves very differently when rates move. Explore the trade-offs, then run a live rate-change simulator on your own numbers.

Welcome

The right mortgage type isn't the cheapest headline rate.

It's the product that matches how you want to handle rate risk, overpayments and flexibility. This session lets you feel the difference — not just read about it.

Fixed vs variable

Live rate simulator

Earn Mortgage Types Aware

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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First-Time Buyer Foundations

Understanding Mortgage Types · 10 min · +45 XP