Mortgages

The Bank of England will 削減（する） the base 率 to around 4 per cent by the end of this year, によれば the 最新の 予測（する）s from 資本／首都 経済的なs. Wider market 期待s continue to also all point に向かって the Bank of England cutting the base 率 later in 2024, albeit they have been 改訂するd up since the start of the year. At the start of this year, 投資家s were betting 率s could be 削減（する） to 3.75 per cent by Christmas.

普通の／平均（する） 所有物／資産／財産 asking prices have risen for the four 連続した month, によれば Rightmove. The 普通の／平均（する） newly 名簿（に載せる）／表（にあげる）d 所有物／資産／財産 rose by 1.1 per cent in April to £372,324 up from £355,177 in December.? The 最新の 増加する means the 普通の／平均（する） newly 名簿（に載せる）／表（にあげる）d 所有物／資産／財産 is 存在 定価つきの only £570 below the 頂点（に達する） in asking prices 記録，記録的な／記録するd in May last year.

I 現在／一般に own a one bed leasehold flat in London and I'm looking to take a two-month sabbatical to go traveling in July. I'm planning to rent my flat out on AirBnb while I'm away. I'm wondering if I need to 知らせる my mortgage 貸す人 or the freeholder? 現実に for that 事柄, do I need to 知らせる my 保険会社? Also, will I need to 支払う／賃金 税金 on the income and if so can I use the 政府's rent a room allowance?

広い地所 スパイ／執行官s and surveyors are 予報するing the 所有物／資産／財産 market will bounce 支援する over the coming months, によれば the?最新の 調査する by the 王室の 会・原則 of 借り切る／憲章d Surveyors (Rics). It said its members were seeing rising numbers of 買い手 enquiries, 同様に as more 販売人s coming to market. The closely-watched 月毎の 調査する takes the 気温 of Rics members and gives a snapshot of what is happening on the ground in the 所有物／資産／財産 market across the country.

In this six-part series, we look at how much more people are really 支払う／賃金ing when they take out a new mortgage, how 世帯s are 対処するing and if a mortgage 危機 is 進行中で. This week, mortgage 助言者s tell us how their 顧客s are 存在 衝撃d by higher 率s - from stretching their 貸付金 条件 switching to 利益／興味-only 取引，協定s or asking family for help.

In This is Money's series, we speak to a 所有物／資産／財産 専門家 every month to ask them what is wrong with Britain's 住宅 market - and how they would 直す／買収する，八百長をする it. Peter Stimson of MPowered Mortgages says the UK should lead by the French example and have 明確に defined 支配するs around house building, rather than a 'discretionary' system.

所有物／資産／財産 prices fell in March, によれば the 最新の 人物／姿／数字s from Halifax, 代表するing the first 月毎の 落ちる since September. The mortgage 貸す人 明らかにする／漏らすd the 普通の／平均（する） home price fell by 1 per cent last month, に引き続いて five 連続した months of prices going up. Halifax says the typical UK home now costs £288,430, which is around £2,900 いっそう少なく than last month.

First-time 買い手s are out in 軍隊 this year, によれば 研究 by Hamptons, 購入（する）ing one third of homes sold so far in 2024. The 所有物／資産／財産 会社／堅い 明らかにする／漏らすd that first-time 買い手s have been behind 33% of 購入（する）s in the UK this year, an 史上最高. For the first time, half of homes in London were bought by first-time 買い手s this year, up from 41% in 2023 and 28% a １０年間 ago. But the 最高の，を越す 的 for first-time 買い手s appears to be Slough in Berkshire, where a 抱擁する 89% of homes are sold to them.

Static house prices will be the story of 2024, によれば Zoopla, but that won't stop 買い手s from haggling big 割引s. The 所有物／資産／財産 portal 明らかにする／漏らすd that house prices have fallen year-on-year, albeit only by 0.3 per cent in the 12 months to March. While Zoopla says house prices have わずかに 回復するd from where they were six months ago, it 推定する／予想するs prices to flatline into the second half of 2024 thanks to higher mortgage 率s and 減ずるd buying 力／強力にする.

Ever since 率s began rising, almost nine million 世帯s and の近くに to two million buy-to-let landlords have 直面するd the prospect of much higher mortgage 率s. However, homeowners are 対処するing better than may have been 推定する／予想するd. Mortgage arrears have gone up as 率s have 急に上がるd, but there hasn't been a rise in repossessions. We look at how borrowers are managing higher home 貸付金 costs.

HSBC has 減ずるd the 率s on its two, three and five-year 取引，協定s for borrowers with a deposit of いっそう少なく than 10%, while also 引き上げ（る）ing 率s for those who own a greater 株 of their home. Barclays has also 削減（する） a handful of its 購入（する） and remortgage 率s by up to 0.25 百分率 points.

Homeowners are 関心d about rising mortgage 率s, but while arrears are going up there has been no rise in house repossessions. What does this mean for the 住宅 market? In this six-part series, we look at how much more people are really 支払う／賃金ing when they take out a new mortgage, how 世帯s are 対処するing and if a mortgage 危機 is 進行中で.

My wife and I 購入（する）d a buy-to-let 所有物／資産／財産 in 2007 and it has turned out to be the worst 財政上の 決定／判定勝ち（する） of our lives. We bought it for £155,000 with a £35,000 deposit, leaving us with a £120,000 mortgage. But the 後退，不況 攻撃する，衝突する すぐに after, and its value 急落するd to £75,000. The mortgage 率 has gone up to 8.74%. What can we do?

Since 率s began rising, many of the nine million mortgaged 世帯s in the UK and の近くに to two million buy-to-let landlords have been 直面するd with the prospect of much higher 支払い（額）s. With every passing month, another 150,000 borrowers reach the end of their low 直す／買収する，八百長をするd 率 取引，協定s - and many find themselves moving to mortgage 率s that are two, three or even four times higher. But how much more are they 現実に 支払う／賃金ing? In this six-part series, we look at how 世帯s are 対処するing and if a mortgage 危機 is 進行中で.

My Mortgage is with Mortgages PLC which has now 知らせるd me that I still have?£60.314.87 to 支払う／賃金 off. I am 69 years old. I was under the impression I had been 支払う／賃金ing extra. I am worried as I am not approaching the end of the mortgage 称する，呼ぶ／期間／用語.

Several of the UK's largest mortgage 貸す人s have 引き上げ（る）d their 率s today, as 利益／興味 on home 貸付金s continues to move 上向きs. Santander, NatWest, the Co-op Bank and?Principality Building Society have all? 発表するd they will be 増加するing 率s.

Arjan Verbeek, 創立者 and 長，指導者 (n)役員／(a)執行力のある of mortgage 貸す人 Perenna says a market reliant on short-称する，呼ぶ／期間／用語 直す／買収する，八百長をするd 率 mortgages means borrowers aren't 保護するd against rising 利益／興味 率s. He argues we need a 革命 in the mortgage market if we want to see a better 未来 and 許す people to get on with their lives without worrying about their mortgage 製品.

House prices are 推定する／予想するd to 落ちる by around 2% in 2024, によれば the central 予測（する） from the OBR. 一方／合間, mortgage woes could be somewhat 減ずるd in the coming years, as 人物／姿／数字s 示す that 普通の／平均（する） mortgage 利益／興味 率s will 攻撃する，衝突する a 頂点（に達する） of 4.2% in 2027, 0.8 百分率 points lower than the OBR 予測（する） made in November.

略奪する Dix, co-創立者 of 所有物／資産／財産 中心 and co-host of The 所有物／資産／財産 Podcast and an experienced buy-to-let landlord having started 投資するing almost 20 years ago. Although he was a homeowner in the past, he has been renting for the past 10 years. People tell him he's throwing money away and 支払う／賃金ing someone else's mortgage, but Dix argues that his family have the 柔軟性 to move when they want - and never have to do DIY.

Anyone taking out a mortgage at the moment will likely be pondering the same questions - how long to 直す／買収する，八百長をする for? Should they 直す／買収する，八百長をする at all? It is a 決定／判定勝ち（する） that could save them - or cost them - thousands of 続けざまに猛撃するs, depending on whether they choose 正確に. We asked a dozen mortgage 仲買人s what they would 本人自身で do 権利 now if they were either remortgaging or buying a 所有物／資産／財産.

The 普通の／平均（する） downsizer could 打ち明ける more than £300,000 by moving from a four bed to a two bedroom home, new 分析 by the 所有物／資産／財産 会社／堅い Savills has 明らかにする／漏らすd.? It said there are 1.29 million owner occupiers 老年の 65 and over across England and むちの跡s who live in four bedroom houses. Were they to sell and buy a two bedroom 所有物／資産／財産, they could 推定する／予想する to be left with £305,090, に引き続いて the move.

Homebuyers and homeowners looking to 捕らえる、獲得する a sub-4% mortgage 率 have until the end of today to 捕らえる、獲得する the last one before they?disappear from the market.? From tomorrow, HSBC will become the final 貸す人 to pull its sub-4% 取引，協定s. The 貸す人 has 発表するd it is 引き上げ（る）ing dozens of 直す／買収する，八百長をするd 率 取引，協定s 目的（とする）d at both 存在するing and new 顧客s who are either buying or remortgaging.

The house price prophet who 予測（する） the last two 所有物／資産／財産 衝突，墜落s years before they happened, has 警告するd of another 差し迫った にわか景気 and 破産した／（警察が）手入れする on the horizon. Fred Harrison, a British author and 経済的な commentator, famous for his theory of an 18-year 所有物／資産／財産 cycle, is 予報するing 騒然とした years ahead for the 住宅 market. He believes house prices are about to にわか景気 once more and is 推定する／予想するing 普通の／平均（する） UK house prices to rise by around 20 per cent between now and the end of 2026.

My daughter has 分裂（する） with her partner, three years into a 10-year 直す／買収する，八百長をするd mortgage with Halifax. Can she port the remaining mortgage on her own to a new 所有物／資産／財産 - and would this 妨げる an 早期に 返済 告発（する），告訴（する）／料金?