成人快手

Can't see Dom's film? Click here to watch.

In his film, Dom explains how you can protect yourself against the uncertainty of the future by "booking" yourself a deal, at current interest rates, up to six months before you'll need it. So, even if the economy goes pear-shaped in the mean time, you've reserved yourself a deal which you know you can afford - and which the lender will have to stick to.

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Possible disadvantages and things to be aware of

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Costs may be incurred if don't go ahead with a deal which you've reserved. For example: arrangement and evaluation fees and any other upfront costs.

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Be careful about trying to source too many of these deals, because if you're credit checked each time, it could affect your credit rating

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Look out for how long the lasts for. You may not be getting the full period of the deal (for example: you might only get 21months of a 2 year deal) if the mortgage deal you've reserved has an end date.

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Lenders will have to stick to the reserved offer unless something changes in the borrowers' personal circumstances. Just before the reserved deal is activated, the borrower will get credit checked to ensure they're still eligible in terms of their credit rating.

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Please remember: Borrowers should check options and get advice from a qualified Independent Financial Advisor.

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Do you have a fixed rate mortgage? Do you have any useful mortgage tips you'd like to pass on?