Can my fixed-rate mortgage payment vary during the term of the loan?

Yes and no. Since you will have a fixed term and fixed interest rate, the principal and interest amounts will not fluctuate. However, you also need to pay insurance and taxes to, which can vary and cause your overall mortgage payment to fluctuate.

Can I make a single payment for my mortgage, or will I have to pay a penalty?

In most cases, you can pay a lump sum without penalty if you have a variable rate. On the other hand, if you have a fixed rate, you might have to pay a penalty. The exact amount of the penalty depends on the lender.

Making Mortgages Simple

It’s a big decision.
So let The Mortgage Architect help you.

Getting a mortgage doesn't need to be a complicated process. Our mortgage planners will do everything we can to make your home buying experience quick, easy and enjoyable.

First Time Buyers

Moving Home

Switching Mortgage

Self-Build Mortgage

Public Sector Mortgage

Mortgage Calculator

Why choose The Mortgage Architect?

Advice on multiple options

Save time

Application screening

Flexible mortgage terms

Wider choice of options

GETTING THE BEST ADVICE FOR YOU

Project management

We don’t charge fee’s

What People Are Saying

Pat Kelleher

A massive thank you to both Rob and Chris. They could not have been more helpful, responsive and efficient in assisting me getting a mortgage and purchasing a house. Their communication is second to none and I could not recommend these guys and the company highly enough.

Clodagh Archer

We have been dealing with Rob over the last 2 years while trying to purchase a house. As first time buyers applying for a mortgage was very overwhelming, but Rob made the process very simple for us. He responded to any question we had within a few hours, I couldn't imagine having to go through the process without him! 5 star + service - thank you Rob!

Katie Huggett

Chris and Rob were excellent at helping us to switch mortgage providers. They were both professional and efficient, explaining our options well and keeping us up to date throughout the process. Thank you.

Conor Coyne

We were very happy with Rob & The Mortgage Architect team. It was a very simple process in switching our mortgage and the software was nice and easy to use. Rob was very helpful and a pleasure to deal with, I would be happy to recommend the Mortgage Architect to anyone.

Jean Erzinger

We would like to say a huge thanks to Robert, for helping us to get our new home. Rob was extremely professional and a pleasure to deal with. He made the whole process so much easier for us. I would recommend The Mortgage Architect 100% Thanks again Rob.

Rochita Dua

Rob made it happen! He navigated through our complexities with the bank, ensured we get timely responses and always kept us in the loop through the process. As a first time buyer, I felt at ease while working with him and having a one touch point really streamlined the process for me! Highly recommended

Brian Sheehan

Friendly, efficient & knowledgeable. An easy recommendation for anyone looking to switch mortgages painlessly. Thanks for your help Rob.

Gilson Bergamine

Very pleased with the practical and efficient approach. What I liked the most was that he was always available for contact and always returned quickly to emails. The entire process was carried out quickly and largely thanks to the broker. A game changer.

Rakesh Chauhan

Million thanks to Rob he is extremely helpful throughout my mortgage application. Buying a house could be a stressful thing but Rob did a really great job. He guided us from zero to success and I don't really feel any pressure dealing with him. I would highly recommend Rob to anyone and definitely will ask for his help again in the future.

Fede Ore

Dealing with Rob was a great experience. He is extremely helpful and approachable. He was brilliant at answering questions and making the process easy and straightforward. We could not recommend him enough!