End Caps
End Caps
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 Motorcycle Sportbike Handbar End Grip Black For Kawasaki ZR 1200 1000 Ninja 650R  US $8.99
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 Hayabusa Custom Polished Frame Sliders with END CAPS US $68.95
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 CAN AM SPYDER RT CHROME HANDLEBAR END CAPS 219400297 ACCESSORIES FREE SHIPPING US $37.80
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 LP USA PRO IMPACT CARBON FIBER FRAME SLIDER END CAPS TITANIUM US $19.99
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 Harley Davidson 100th Ann Winged Emblem Logo Hand Grip End Caps EUC 100 2003 US $89.95
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 Harley Davidson 100th Ann Winged Emblem Logo Hand Grip End Caps NIP 100 2003 US $99.95
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 Shogun S5 Carbon Frame Slider Replacement End Caps GSXR CBR ZX YZF 600 750 1000 US $15.00
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 EP12547 Harley FXR footpegs chrome mounts end caps US $59.50
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 Harley Davidson Lighted Accessories New Obsolete US $129.95
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 Bullet End Caps for Road King License Plate Eliminator US $5.95
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 EPS14132 Harley 39mm fork tube caps front end FXR FXRS FXRP FXRT FXRD FXLR SP US $62.25
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 HARLEY FOOTREST END CAPS FOR LARGE EARLY FOOTREST US $10.00
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 Triumph Rocket III Chrome Silencer End Caps Type A US $49.99
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 NOS Aermacchi Muffler End Caps Chrome US $25.00
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 SUZUKI VS800 GOLD HANDLEBAR END CAPS BRAND NEW US $44.95
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 Chrome Billet Cone End Caps for AVON Grips Harley Davidson models Made in USA US $20.00
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 COLONY HARLEY CHROME PLATED ROCKER SHAFT END CAPS US $35.00
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 Kuryakyn STILETTO End CAPS for ISO GRIPS NEW US $31.16
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 NINJA ZX ZX12R 1200 600 636 ZX6R ZX6RR POLISHED BILLET CONE FORK TUBE CAPS 301 US $39.95
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 07 12 Chrome Harley Fork Legs Sliders Deluxe FLSTN P N 46482 07 Fatboy Heritage US $179.00
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 HONDA CL350 CB350 REAR SWINGARMBRAKE STAYEND CAPS US $50.00
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 Kuryakyn Flame Grips 6262 6249 Stiletto End caps Set US $75.00
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 EP12833 Harley FXR swingarm end caps mounts 47564 86B US $255.00
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 HQ 8 BALL VALVE STEM CAPS CAR DOOR LOCK KNOBS NEW US $15.50
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 8 BALL LICENSE PLATE BOLT FASTENERSVALVE STEM CAPS US $15.50
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 NINJA ZX ZX12R 636 ZX6R BILLET FLAT FORK TUBE CAPS 301 US $39.95
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 Harley Davidson 100th Anniversary Grip End Caps Set NEW US $79.95
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 KURYAKYN ISO GRIP End CAPS with Black LEATHER FRINGE NEW US $47.78
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 7 8 Bar End Hand Grips w Ends Caps For Kawasaki ZR 1200 1000 Z750 S Ninja 650R US $7.99
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 KURYAKYN CHROME MALTESE CROSS END CAPS FOR ISO HANDLEBAR GRIPS SET OF TWO 6245 US $35.99
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 Chrome Motorcycle Hand Grips with Skull Caps 7 8 US $30.19
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 Frame Swingarm Slider End Caps 600RR R1 R6 ZX6R GSXR US $24.95
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 Cycle Visions Chrome Barebacks End Caps CV 135 US $33.95
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 YZ 125 250 CHAIN ADJUSTERS 94 95 APPLIED RACING US $24.99
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 V TWIN HANDLEBAR GRIPS FOAM W EAGLE EMBOSSED END CAPS US $19.99
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 Black Fork Caps Set Kawasaki ZX 6R 10R 14R Engraved ZX US $78.95
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 2 Long Black Rubber Chrome Shift Toe Peg 5 16 Thread US $9.65
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 NINJA ZX R ZX12R 1200 600 636 ZX6R ZX6RR CHROME CONE FORK TUBE CAPS COVERS 301 US $51.95
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 HARLEY HIGH WAY ENGINE GUARD MOUNT US $30.00
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 GSXR 600 750 1000 Polished Frame Sliders with END CAPS US $69.95
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 HELLA BMW 12 VOLT POWER ACCESSORY ADAPTER SHORT STUBBY NEW WITH DUSTCAP US $23.99
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 Kuryakyn Chrome ISO Cruiser grip Stiletto end caps US $34.00
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 Kuryakyn 6249 Stiletto End Caps for Iso Grips US $40.00
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 Rocket style end caps US $5.95
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 Kuryakyn 6296 Zombie Hand Grips w FREE Widow End Caps US $110.00
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 Harley aftrmkt chrome fork caps Chrome Specialties 39mm US $20.00
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 Black Spike Fork Caps ZX 6R 07 08 10R 14R GSXR 600 750 1000 Hayabusa US $91.95
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 EP13311 Harley FXR swingarm end caps axle pivot blocks US $269.75
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 Accu Pressure Tire Pressure Safety Caps Honda Shadow US $9.00
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 Motorcycle CNC Handlbar Grips Black Sportbike For Buell Ulysses XB12X XB9S CityX US $8.99
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 07 08 GSXR 1000 Polished Frame Sliders with END CAPS 2007 2008 US $69.95
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 BLACK DICE LICENSE PLATE BOLT FASTENERSVALVE STEM CAPS US $15.25
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 RED DICE LICENSE PLATE BOLT FASTENERS VALVE STEM CAPS US $15.25
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 HQ RED DICE VALVE STEM CAPS CAR DOOR LOCK KNOBS NEW US $15.50
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 HQ WHITE DICE VALVE STEM CAPS CAR DOOR LOCK KNOBS NEW US $15.50
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 HQ BLACK DICE VALVE STEM CAPS CAR DOOR LOCK KNOBS NEW US $15.50
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 HRC Inspection Plugs Timing Caps CRF250R CRF450R CRF150 US $50.99
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 Accu Pressure Tire Pressure Safety Caps GL1800 GL1500 US $9.00
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 HARLEY SCREAMIN EAGLE 4IN FISHTAIL CHROME END CAP KIT TOURING US $51.00
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 YZF 600R R6 R6S YZFR6 CHROME CONE FORK TUBE CAPS 401 US $51.95
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 SPIKE MOTORCYCLE VALVE STEM CAPS BLACK US $9.95
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 BIG DOG POLISHED SMALL TOE PEG END CAP MASTIFF K 9 PITBULL RIDGEBACK CHOPPER US $9.99
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 CBR 1000RR RR 600RR 600 BILLET FLAT FORK TUBE CAPS 101 US $39.95
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 HAYABUSA GSXR TL 1000 R CHROME CONE FORK TUBE CAPS 301 US $51.95
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 Harley Davidson Kuryakyn Chrome Peaked Axle Caps 1224 US $30.99
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 Harley HD Kuryakyn Chrome Roman Axle Caps 1225 US $37.95
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 NINJA ZX ZX10R ZX14 ZX6R CHROME CONE FORK TUBE CAPS 201 US $51.95
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 Hot Toppers Front Axle Caps Harley Davidson 1973 2006 US $16.95
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 Honda Chrome Foam Cruiser Grips 7 8 x 140mm US $19.95
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 HARLEY DAVIDSON USED TOURING RINEHART MUFFLER ON MUFFLER R5 0338C 29 08 US $75.00
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 Fork Cover Caps 2 Goldwing GL1500 1500 Aspencade SE US $10.95
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 KURYAKYN CHROME REPLACEMENT END CAPS FOR ISO HANDLEBAR GRIPS SET OF TWO 6243 US $35.99
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 KURYAKYN CHROME STILETTO END CAPS 6249 FOR ISO HANDLE BAR GRIPS US $49.99
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 PAIR OF BLACK SPIKE MOTORCYCLE VALVE STEM CAPS US $9.95
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 HAYABUSA GSX1300R GSXR GSX R 600 750 1000 SV 650 CHROME CONE FORK TUBE CAPS 201 US $51.95
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 CBR 1000RR RR 1000 CBR1000RR POLISHED BILLET ALUMINUM FLAT FORK TUBE CAPS 201 US $39.95
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 4 CHROME SPIKE ROCKER BOLT CAPS HARLEY EVO ENGINES s US $19.95
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 SET OF 2 WHITE BROTHERS HARLEY LARGE END CAPS 01 764 US $95.00
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 YZF R1 1000 YZF1000R1 BILLET FLAT FORK TUBE CAPS 201 US $39.95
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 Kawasaki 10MM ZX6R ZX10R Carbon SwingArm Spools Slider US $34.90
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Is a Capped Rate Mortgage Right for You?
The first two considerations you have when arranging a mortgage are what type of mortgage rate is required along with how the mortgage will be repaid. The following article looks at the different mortgage rate options such as fixed rates, discounted rates, capped, variable and tracker rates, along with the main advantages and disadvantages for each option.
When considering which type of mortgage product is suitable for your needs, it pays to consider your attitude to risk, as those with a cautious attitude to risk may find a fixed or capped rate more appropriate, whereas those with a more adventurous attitude to risk may find a tracker rate that fluctuates up and down more appealing.
Following is a description of the different mortgage rate options along with a summary of the main advantages and disadvantages for each option.
Fixed Rate Mortgages
With a fixed rate mortgage you can lock into a fixed repayment cost that will not fluctuate up or down with movements in the Bank of England base rate, or the lenders Standard Variable Rate. The most popular fixed rate mortgages are 2, 3 and 5 year fixed rates, but fixed rates of between 10 years and 30 years are now more common at reasonable rates. As a general rule of thumb, the longer the fixed rate period the higher the interest rate. This is also applicable when considering the percentage loan to value, where borrowing below 75% of the property value will attract a lower fixed rate in comparison to an 85% or 90% loan to value which will attract a higher fixed rate percentage.
Advantages
Having the peace of mind that your mortgage payment will not rise with increases in the base rate. This makes budgeting easier for the fixed rate period selected, and can be advantageous to first time buyers or those stretching themselves to the maximum affordable payment.
Disadvantages
The monthly repayment will remain the same even when the economic environment sees the Bank of England and lenders reducing their base rates. In these circumstances where the fixed rate ends up costing more, remembering why the initial decision was made to select a fixed rate, can be helpful.
Discount Rate Mortgages
With a discount rate mortgage, you are offered a percentage off of the lenders Standard Variable Rate (SVR). This takes the form of a reduction in the normal variable interest rate by say, 1.5% for a year or two. The common mistake of those considering a discount rate, is to assume the higher the percentage discount offered, the better the deal. The key bit of information missing however, is what the lenders SVR is, as this will dictate the actual pay rate after the discount is applied.
As with a fixed rate, the longer the discount rate period the smaller the discount offered, and the higher the rate. Shorter periods such as 2 years will attract the highest levels of discount. In addition when considering the amount to be borrowed, the increased risk to the lender of providing a 90% loan will be reflected in the pay rate, with lower borrowing amounts attracting more competitive rates.
Advantages
Should the lender reduce their standard variable rate your interest rate and monthly payment will also reduce.
Disadvantages
When the lender or Bank of England increases their base rate, your mortgage payment will also increase. However in some circumstances lenders do not always pass on the full amount of a Bank of England base rate reduction.
Affordability of the mortgage at the end of the discount rate period should be considered at outset. There are no guarantees that follow on rates will be available, and so you should make certain that you are able to afford the monthly payment at the lenders standard variable applicable upon expiry of the discount rate period. Allowing for an increase in interest rates above the SVR would be prudent to avoid a 'Payment shock'.
Tracker Rate Mortgages
Tracker rate mortgages guarantee to follow the Bank of England base rate when it moves up or down. Tracker rates are expressed as a percentage above or below the Bank of England base rate such at +0.5% over BOE base rate for 2 years.
The most popular tracker rate mortgages have been 2 and 3 year products, but there is now an increasing demand for lifetime tracker rates as borrowers are starting to realise that the Bank of England base rate has been reasonable competitive, and having a mortgage product linked to it could be beneficial in the long term.
Advantages
A tracker rate guarantees to follow the Bank of England base rate for however long the tracker rate is set up for. This means that as soon as the Bank of England cuts rates, a tracker rate mortgage guarantees to reflect the new lower rate and repayment.
The overall cost calculation of a Lifetime tracker rate can be significantly lower than taking shorter term mortgage products with the ongoing costs of remortgaging such as valuation fees, legal fee and lender arrangement fees. Lifetime tracker rates often have no early repayment penalty restrictions.
Disadvantages
The mortgage payment will go up if the Bank of England increases the base rate. Early repayment charges are likely to be applicable during the benefit period, and as with other types of mortgage rate are likely to be 6 months interest or 3% - 5% of the loan.
Variable Rate Mortgages
Variable rate mortgages are more commonly known as the lenders Standard Variable Rate (SVR), and are the rate that you come onto after the expiry of a fixed, discounted, tracker or capped rate mortgage. A variable rate is similar to a tracker rate in as much as the lender will base their SVR on the Bank of England base rate plus a loading of between say 2.5% and 3.5%. That is where the similarity ends however.
Advantages
The main advantage of being on the lenders Standard Variable Rate (SVR) is that there will be no early repayment charge for redeeming the loan in full. This provides a certain amount of flexibility when there is uncertainty in the market about where rates are moving. For those wishing to fix their mortgage rate, an SVR with no early repayment charge can provide the breathing space required to just wait and see before committing.
Whilst not always the case lenders do tend to pass on reductions in the Bank of England base rate through their SVR, and so those on the SVR will benefit from a reduction in the mortgage payment.
Disadvantages
Generally the SVR will be a higher rate of interest and so your mortgage payment will be greater than if you were on a tracker rate, fixed rate or discounted rate mortgage product. In addition, as has been seen in the past, some lenders do not pass on any or all of a reduction in the Bank of England base rate which results in a higher monthly payment in comparison to other mortgage options.
Capped Rate Mortgages
The capped rate is a variable rate mortgage which has a fixed limit to how far the interest rate can increase (the cap), and provides the option to know the maximum level of mortgage payment from outset. Capped rate mortgages offer the best of both worlds for those with a cautious attitude to risk, but who still wish to benefit from interest rate reductions. For example if the cap is set at 6% and the banks rates go below this rate, then your repayments will go down to reflect the reduction, with the guarantee that should rates go above the 6%, your payments will remain based on the maximum 6% because of the cap.
Advantages
If the Bank of England base rate falls resulting in a fall in the lenders standard variable rate below the level of the capped rate, then your monthly repayment will reduce. For many this provides the peace of mind and certainty for ease of budgeting offered by a know maximum monthly payment.
Disadvantages
Because a capped rate offers the best of both worlds to the borrower, the capped rate is usually uncompetitive as lenders need to price in the risk of rate reductions, leaving those such as first time buyers or those stretching their affordability, exposed to a higher rate than would be available with a fixed rate. This means that UK lenders generally don't offer capped rate mortgages with any sort of competitive rate, preferring to market fixed rates instead.
About the Author
For independent, impartial advice about Mortgage Rates and Equity Release Schemes contact Jerry Figueroa-Lee co-founder of The Mortgage Warehouse.