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The feeling of security afforded by a fixed interest rate is the most popular feature for UK consumers when it comes to choosing a mortgage, a survey by checkmyfile.com has found.

Credit Pacific Service Union The 2006 Mortgage Lender Survey found fixed interest rates, closely followed by the reputation of the lender as the top two attributes most likely to make Britons choose a mortgage product.

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Credit First Service Union The survey also found that consumers generally regarded features such as higher lending multiples and the absence of higher lending charges - the fees charged by lenders when extending loans of more than 75 per cent of the value of the property - were amongst the least popular reasons for choosing a mortgage provider.

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Card Credit Mobile Service Barry Stamp, Joint Managing Director of checkmyfile.com, the UK's leading provider of online credit files to consumers, said: "Our survey suggests the average UK consumer tends to be much more cautious when choosing a mortgage, compared to choosing other forms of credit which tend to be crisis-led. Consumers look for some stability when it comes to what is likely to be their largest monthly outgoing. Despite the relatively stable interest rate environment we have enjoyed for some years, they are keen to protect themselves from interest rate shocks."

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Card Credit Discover Service The motivation for choosing a mortgage was found to differ between the genders in two distinct ways.

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Credit Public Service Union Barry Stamp added: "The top priority for men, when it comes to choosing a mortgage, is a fixed interest rate. Women, on the other hand, look at the reputation of a lender as the most important factor in choosing a mortgage. Getting a quick decision is also a key factor for men. Women are far less concerned about how quickly their mortgage offer appears."

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Card Credit Processing Service As consumers get older, the key factors in choosing a mortgage product also change.

Center Credit Service Union "Consumers in their 20s tend to look for the security offered by fixed rate mortgages, the reputation of the lender and the level of fees charged. They are not so concerned about how quickly they get confirmation of their mortgage offer - probably as they have no prior experience to base an expectation of the time a mortgage application can take.

Card Credit Service Wireless "Consumers in their 30s also look to fixing their interest rate, and are more likely to be an existing customer of the lender. They are, however, looking for a quick decision on their mortgage offer.

Credit Security Service Union "When a consumer reaches their 50s, their priorities have changed significantly. The top priorities for this age group are to choose a mortgage that gives them the ability to vary repayments and they are keen to choose a lender with a strong reputation. A quick mortgage offer in writing is also a key priority," said Stamp.

Credit Report Service With the reputation of mortgage lenders being the second most important factor for UK consumers in their choice of mortgage, the 2006 Mortgage Lender Survey asked respondents about the customer service levels of the top UK mortgage lenders.

Blogspot Com Christian 60% of respondents to the survey rated the standard of customer service provided by mortgage lenders as 'excellent' or 'very good'. One in six consumers were dissatisfied with the standard of customer service received.

Christian Counseling Credit Northern Rock and Nationwide were rated by respondents as the best mortgage lenders for their high standards of customer service. At the other end of the scale were Halifax and Barclays.

Credit Federal Service Union The full results of the 2006 Mortgage Lender Survey can be viewed online on checkmyfile.com.

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