Interest rates over the term of a mortgage are usually based around the lenders variable rate. However, during the first few years, it is often possible to ensure that the interest rate is artificially low or fixed at one level to avoid fluctuations, before the mortgage reverts to the variable rate. Some deals will have a rate that starts low and increases on an annual basis for a set number of years. Advisers at mortgage2move look for the most suitable depending on the clients personal circumstances.