Snap up a mortgage.... there may never be a better time to get a 率-削減（する） 取引

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There is 広大な／多数の／重要な news on the cards for anyone looking for a new mortgage in the New Year ? because there may never be a better time to 調印する up.

In 最近の weeks big players such as Santander have 削減（する） five-year 直す／買収する，八百長をするd 率s by more than half a 百分率 point and introduced 注目する，もくろむ-catchingly low ten-year 直す／買収する，八百長をするs from just 3.44 per cent.

Middle sized 貸す人s such as Coventry and Skipton building societies have also 削減（する） 率s and 減ずるd or 除去するd 料金s while mortgage newcomers such as banks Metro and Tesco are cutting 率s.

貸付金 switch: Artist Matt Cooper 計画（する）s to switch to another 直す／買収する，八百長をするd 率 取引，協定 and will look at the total cost

The big 決定／判定勝ち（する） for borrowers is whether to take a 直す／買収する，八百長をする and 安全な・保証する their 月毎の 支払い（額）s for anything between two and ten years ? or 支払う／賃金 いっそう少なく each month today by choosing a lower 率 tracker or 割引d 取引，協定.

The 事例／患者 for 直す／買収する，八百長をするing is obvious. 調印する up today ? even if you do not need to switch on to it for up to six months ? and you should ride out any 嵐／襲撃するs when 利益／興味 率s start rising.

The 率 you get will depend on the size of deposit you put 負かす／撃墜する or the 量 of 公正，普通株主権 you have in your home at re-mortgage time.

So, for example, if you have at least a 40 per cent deposit or 公正，普通株主権, a five year 直す／買収する，八百長をする could cost you as little as 2.48 per cent.

But if you can only put together a 10 per cent deposit or have 10 per cent 公正，普通株主権 in your home, a five year 直す／買収する，八百長をする will cost from 4.09 per cent.

If you think a 攻撃を受けやすい 経済的な 回復 means 利益／興味 率s will stay low for some time then a tracker or 割引d 取引，協定 could make more sense, not least because the 初期の 率 you will 支払う／賃金 today could be lower than a 直す／買収する，八百長をするd 取引，協定.

For example, someone 適格の for a two year tracker from HSBC could enjoy a 支払う／賃金 率 of just 0.99 per cent ? a 2.95 per cent 割引 off the bank’s 基準 variable 率 of 3.94 per cent.

But a word of 警告 about all the 注目する，もくろむ-catching 利益／興味 率s advertised. Many carry high 始める，決める-up or 使用／適用 料金s ? often of £1,000 or more.

So shop around to 確実にする that any money you save on a low 率 is not taken 支援する in high 初期の 料金s. If your mortgage is for £100,000 or いっそう少なく you can be better off choosing a higher 利益／興味 率 but low or no 料金 取引，協定.

同時代の artist Matt Cooper is hoping to draw up a new mortgage 取引，協定 早期に next year.

Matt, who lives in a three bedroom 中央の-terraced house in Elephant & 城, south London, says: 'I'm hoping to take advantage of some of the 最新の low 率s in the new year.'

Matt, 48, whose work has just been 陳列する，発揮するd at the 沿岸の Gallery in Lymington, Hampshire, has had 直す／買収する，八百長をするd 率 取引，協定s in the past and is planning to choose another one.

He says: 'I will look at the total cost of any switching d eal, not just 焦点（を合わせる） on the 利益／興味 率 and 月毎の 支払い（額）s.'

The easiest way to check the cost of switching is to use the True Cost mortgage calculator (see below).

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