４半期/4分の1 of first-time 買い手s taking out 35-year or longer mortgages?

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Nearly one in four first-time 買い手s have been 調印 up to mortgages with 条件 of more than 35 years after a 殺到する in borrowing costs.

人物／姿／数字s from the 貿易（する） 団体／死体 UK 財政／金融 showed the 割合 攻撃する，衝突する a new 記録，記録的な／記録する as mortgage 率s on 完全にするd house 購入（する）s reached a 頂点（に達する） at the end of 2023.

They showed that 23 per cent of all home 貸付金s taken out by first-time 買い手s stretched for more than 35 years, up from 17 per cent a year earlier and just 9 per cent when the Bank of England started to put up 利益／興味 率s at the end of 2021.

The Bank of England started to put up 利益／興味 率s at the end of 2021?

Longer-称する，呼ぶ／期間／用語 mortgages can make 月毎の 返済s more affordable but over the long run will mean accruing thousands of 続けざまに猛撃するs more 負債 ? 潜在的に stretching into 退職.

貸付金s of more than 30 years now （不足などを）補う more than a third of first-time 買い手 取引，協定s.?

UK 財政／金融 said it was a change from the past when 25-year mortgages were 'very much the norm'.

'We are seeing a continued, more 早い 増加する in borrowing for more than 35 years,' a 広報担当者 said.?

'Where 顧客s are using '称する，呼ぶ／期間／用語-stretch' to 改善する affordability, they are needing to lengthen the 称する，呼ぶ／期間／用語 even その上の.

'Many borrowers were still unable to pass affordability 実験（する）s, 運動ing the 重要な 収縮過程 in lending 容積／容量s that we saw last year.?

Around five million mortgage 支えるもの／所有者s had still not refinanced their 貸付金s on to higher 利益／興味 率s at the end of last year.?

The Bank raised 率s from 0.1 pc to 5.25 pc, although 投資家s 推定する／予想する the base 率 to start coming 負かす／撃墜する later this year.'

Best mortgage 率s and how to find them

Mortgage 率s have risen 大幅に after the Bank of England's raised base 率 速く.

The Bank is now 持つ／拘留するing 率s and 推定する／予想するd to 削減（する） - 主要な to mortgage costs coming 負かす／撃墜する - but 取引，協定s remain far more expensive than two or five years ago.?

If you are looking to buy your first home, move or remortgage, or are a buy-to-let landlord, it's important to get good 独立した・無所属 mortgage advice from a 仲買人 who can help you find the best 取引，協定.?

To help our readers find the best mortgage, This is Money has partnered with 独立した・無所属 料金-解放する／自由な 仲買人 L&C.

Our mortgage calculator?力／強力にするd by L&C?can let you filter 取引，協定s to see which ones 控訴 your home's value and level of deposit.

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