A fixed rate loan gives you a set repayment rate for the term of the loan, saving you from fluctuations in the interest rates. However this may be of benefit if interest rates rise, but the opposite applies inf interest rates drop during the time of the loan.
Always answer loan application questions honestly, checks are made to verify the information you provide.
There are loans to suit homeowners, tenants, self-employed; in fact, deals available no matter your circumstances.
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