Fears that the Bank of England would put up the base rate led to a surge in demand for fixed-rate mortgages in October, according to LMS, a conveyancing company. Its research suggests that 42 per cent of borrowers opted for a five-year fix, giving them repayment certainty until the end of 2022, by which time who knows where the rate will be but the impact of Brexit on the economy should by then at least be clearer. Of those who did take the fixed-rate route 83 pe rcent cut their monthly repayments, suggesting that those whose payments have risen believe that more base rate rises are in the offing. David Hollingworth of London and Country Mortgages, says that there are still good deals for people who want even greater certainty about their personal finances. “It’s possible to fix your mortgage for up to 10 years and rates start from as low as 2.34 per cent,” he said.