Mortgage 貸す人s 含むing HSBC start to 削減（する） their 率s as インフレーション 落ちるs

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HSBC has become the first high street 貸す人 to 減少（する） its mortgage 率s に引き続いて a?落ちる in インフレーション.

The bank 発表するd it is 減ずるing 率s for new 顧客s and those remortgaging, with deposits or 公正，普通株主権 of at least 10 per cent. New 率s will be 効果的な from Wednesday 26 July.

（許可，名誉などを）与える Mortgages has also 減ずるd 率s for new 顧客s by up to 0.4 per cent. In a 公式文書，認める to 仲買人s the 貸す人 also said it was 増加するing its cashback incentives on remortgage 取引，協定s.

Good news: HSBC's 率 削減s will be welcomed by borrowers, many of whom are 直面するing 重要な remortgaging costs when they come off their 現在の 取引，協定s

In 新規加入, specialist 貸す人 P epper Money is making 削減s of up to 0.95 per cent on its '限られた／立憲的な 版' 製品s.

News of the 削減s is likely to be welcomed by mortgage borrowers who have 直面するd weeks of sharp 率 rises as the market has 答える／応じるd to the 増加するd 見込み of その上の Bank of England base 率 rises.

インフレーション remained high in May, 誘発するing 交換（する） 率s ? the main 機械装置 for mortgage pricing- to rise.

However, markets 反応するd 前向きに／確かに to the news last week that both 消費者物価指数 and 核心 UK インフレーション fell in June.

The 消費者 Prices インフレーション 手段 dropped to 7.9 per cent in June, 負かす／撃墜する from 8.7 per cent in May, 落ちるing その上の than the market 予測 of 8.2 per cent.

交換（する） 率s - the bank borrowing 率s which 明らかにする／漏らす where the 財政上の markets think mortgage 率s will be in two and five years' time - are 推定する／予想するd to continue 落ちるing although it is not （疑いを）晴らす whether more 貸す人s will choose t o pass on the 削減.

The market still 推定する／予想するs the Bank of England to raise its base 率 up from its 現在の level of 5 per cent to around 6 per cent by the end of the year, signalling more 苦痛 for borrowers may be to come.

In fact, on the day of the インフレーション 告示 Natwest 引き上げ（る）d its 率s にもかかわらず the news, 論証するing the 現在の 不確定 within the mortgage market.

Changeable: The 普通の／平均（する） 率s for 直す／買収する，八百長をするd 取引，協定s remain volatile as the market adjusts to a new normal for mortgages

The 普通の／平均（する） 率 for a two-year 直す／買収する，八百長をするd 取引，協定 is 現在／一般に 6.83 per cent, によれば Moneyfacts. The 普通の／平均（する） has moved both up and 負かす／撃墜する since last week.?

For five-year 取引，協定s the 普通の／平均（する） 率 is now 6.34 per cent.??

Nicholas Mendes, mortgages technical 経営者／支配人 at 仲買人 John Charcol said: 'We are starting to see 貸す人s now 減ずるing their 直す／買収する，八百長をするd 率 製品s, with HSBC hopefully the first of many over the next few weeks.

'貸す人s will be staggering 削減s over the next few weeks to 確実にする that they do not quickly become market-主要な, which could resulting in an influx of 使用／適用s and 鈍らせる their service levels.'

Should you wait for 率s to 落ちる before 直す／買収する，八百長をするing?

For the 1.3 million mortgage 支えるもの／所有者s coming off their 直す／買収する，八百長をするd 取引，協定s in the next year, the 大多数 of which are 現在／一般に under 2 per cent, the 誘惑 may be to wait in the hope 率s 落ちる その上の.

However, with most still 推定する／予想するing the Bank of England to 増加する its base 率 to continue 抑制（する）ing インフレーション it is not やむを得ず a 安全な bet.

'One thing we can be 確かな of is you cannot take anything for 認めるd,' 追加するs Mendes.

'It is still advisable to 安全な・保証する a 取引，協定 in 前進する, and 定期的に review with your 仲買人 to 確実にする you leave plenty of time to switch to a better 率 before you 取引，協定 is 予定 to 完全にする in the event 率s 減ずる その上の.'

Most 貸す人s will 許す you to choose a new 率 up to six months in 前進する of your 現在の 貸付金 ending. This means that if 率s rise その上の over that period you are 保護するd, but if they 落ちる you can lock-in another 取引，協定 before your 直す／買収する，八百長をする comes to an end.

Kylie-Ann Gatecliffe, director at mortgage 仲買人 KAG 財政上の said: 'To finally have some 肯定的な news is 広大な／多数の／重要な for borrowers. As we have seen other 貸す人s 減ずる their 率s over the past week, now that the high street 貸す人s are 伴う／関わるd I do believe we will see more of this.

'They may not 落ちる 速く, as this could also shake the market, but a 削減 at a time when people are worried about mortgage 支払い（額）s is a step in the 権利 direction.'