Now mortgage borrowers can lock in to a 記録，記録的な／記録する 3.89% 率 for 10 years

By Ruth Lythe for the Daily Mail

Updated: 09:19 BST, 19 June 2013

Borrowers who want to lock in today’s low 利益／興味 率s for the next １０年間 can 調印する up to the cheapest 取引，協定 of its type ever to 攻撃する，衝突する the market.

Yorkshire Building Society has 削除するd the 率 on its ten-year 直す／買収する，八百長をするd 率 mortgage to a 激しく揺する-底（に届く） 3.89? per cent.

月毎の 支払い（額）s on a £150,000 mortgage are £783. Total cost is £94,090, 含むing a £130 調書をとる／予約するing 料金.

Best 率: Yorkshire Building Society has 削除するd the 率 on its 10 year mortgage to 3.89 per cent

The 貸付金 is 利用できる to borrowers with a 25? per cent deposit ― much いっそう少なく than with other 類似の 取引，協定s.

The only other 会社／堅い with the same 率 on a ten-year 直す／買収する，八百長をするd 取引，協定 is Woolwich at 3.89? per cent. However, it has a £1,499 料金. It means the total cost is £95,459 on a £150,000 貸付金.

David Hollingworth, from 仲買人s London & Country, says: ‘It’s hard to feel that 3.89? per cent is a terrible 率 to 支払う／賃金 for a 貸付金 that 保護するs you against 利益／興味 率 rises over a １０年間.’

However, if you need to move home within the next １０年間 you 直面する big 早期に 返済 告発（する），告訴（する）／料金s.

For example if you 支払う／賃金 off your 貸付金 between now and September 2016, you would have to stump up 7? per cent of the cost of the 貸付金. That’s £10,500 on a £150,000 mortgage.

This 減少（する）s to 6? per cent before 2018 and 1? per cent in the final year of the 貸付金.

Yorkshire has also 開始する，打ち上げるd what is 現在／一般に the lowest 率 on the market ― 2.44? per cent, 直す／買収する，八百長をするd for five years. But there is a £1,345 料金 and it is only 利用できる to borrowers with a 35? per cent deposit.

月毎の 支払い（額）s on a £150,000 貸付金 are £668, making the total cost £41,425.