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Over the past few years, UK policymakers have explored the idea of a mortgage with a fixed interest rate for the life of the loan, similar to the long-term products offered in countries such as the US or Denmark.
Their supporters say they provide borrowers with certainty and help them pass mandatory affordability tests, especially those buying their first home. Critics say that in a period of low interest rates, there is little appeal to it.
Some lenders have begun offering such products.
FT Money is looking to speak to people who have taken out such a mortgage, are considering doing so, or have considered it but have rejected the idea. Why did you do it or are thinking about doing it? What advice would you give to people making the same decision?
Please send an email to money@ft.com and we will keep your message confidential.
