Should you 直す／買収する，八百長をする your mortgage now or wait for 率s to 落ちる 支援する? All you need to know as インフレーション rises to 4%

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Homeowners’ hopes that mortgage costs will continue to 宙返り／暴落する were dealt a blow this morning as new 人物／姿／数字s 明らかにする／漏らすd インフレーション 突然に rose to 4 pc last month.

It was the first time the UK 消費者 prices 索引 率 of インフレーション rose in ten months, after November saw it slow to 3.9 pc, the lowest level in more than two years.

Borrowers whose mortgage 取引，協定s are coming to an end may have been considering 持つ／拘留するing off 直す／買収する，八百長をするing on to a new 取引，協定 in the hope that 率s would continue to 宙返り／暴落する in the 近づく 未来.

Mortgage 貸す人s have been 削除するing 率s in 最近の weeks ? NatWest, Metro Bank, TSB and HSBC this week alone.

But today’s higher-than-推定する／予想するd インフレーション 人物／姿／数字s may throw a spanner in the 作品 by slowing 負かす／撃墜する the 最近の 無分別な of 率 削減（する）s. So, should homeowners lock into a 取引，協定 ? or 持つ／拘留する out hope that 率s may still 落ちる その上の in the coming weeks?

インフレーション 人物／姿／数字s 明らかにする／漏らすd that インフレーション 突然に went up to 4 pc last month, the first time the UK 消費者 prices 索引 率 rose in ten months

Should I lock in a 直す／買収する，八百長をするd-率 mortgage?

Today’s インフレーション 人物／姿／数字s may put the ブレーキs on the number of 率 削減（する）s borrowers have seen in 最近の weeks. That could mean it could take longer for 大幅に better mortgage 取引，協定s to appear on the market.

That is because higher-than-推定する／予想するd インフレーション 増加するs the 見込み that the Bank of England will 延期する cutting the base 率 as it keeps it elevated to bring インフレーション under 支配（する）／統制する.

予報官s had 以前 推定する／予想するd the Bank of England to begin to 削減（する） its base 率 as soon as May.

But today’s 人物／姿／数字s have 鈍らせるd 期待s, with 経済学者s now 予報するing the bank will begin to 削減（する） 率s by June.

The 産する／生じる on two-year UK 政府 社債s jumped に引き続いて the インフレーション 告示 as markets adjusted their 予測（する）s, in a 調印する that 期待s of an earlier 削減（する） in 利益／興味 率s had 鈍らせるd.

The base 率 現在／一般に stands at a 15-year high of 5.25 pc which has 押し進めるd up mortgage 率s for millions of homeowners as the cost of borrowing money has become more expensive.

However, it is not a given that the poorer 見通し 早期に 調印するs 示唆する that 貸す人s may take the higher インフレーション 人物／姿／数字 見通し in their stride and continue to 削減（する） 率s.

Santander and Skipton have already shrugged off the インフレーション rise to 発表する その上の 削減（する）s to their 直す／買収する，八百長をするd-率 取引，協定s this morning.

How do I 持つ／拘留する out for a better 率?

If you are 予定 to remortgage, but do not want to lock in to a 直す／買収する，八百長をするd-率 取引，協定 yet, the worst thing you can do is take no 活動／戦闘 at all and roll on to your 貸す人’s 基準 variable 率 (SVR).

Although it is true that you are not locked into an SVR and that their 率s can 落ちる should the Bank of England base 率 落ちる, they are typically 注目する，もくろむ-wateringly expensive.

David Hollingworth, 仲買人 at L&C Mortgages, 警告するs: ‘There’s a lot of good news in the market but that can mean that people hesitate about what to do even more.

‘Don’t 落ちる の上に an SVR. SVRs are much higher. Even if 率s come 負かす／撃墜する その上の in two or three months, SVRs will pretty much erode any 貯金 you make.’

The 普通の／平均（する） SVR was 8.18 per cent on January 1, accor ding to MoneyfactsCompare, more than 二塁打 the sub-four per cent five-year 取引，協定s now 利用できる.

Mortgage 貸す人s have been 削除するing 率s in 最近の weeks ? NatWest, Metro Bank, TSB and HSBC this week alone

However, if you don’t want to lock yourself into a 直す／買収する，八百長をするd-率 取引，協定 in the hope that 率s will 落ちる in the 近づく 称する，呼ぶ／期間／用語, there is another 選択.

Rather than 落ちるing on to your 貸す人’s SVR, you would be better off 調印 up for a tracker mortgage. These 類似して move up or 負かす／撃墜する in line with the Bank of England base 率, but are 一般に かなり cheaper than a 貸す人’s SVR.

The 普通の／平均（する） two-year tracker mortgage is 現在／一般に 6.16 per cent, によれば MoneyfactsCompare.

の中で the best 取引，協定s are a tracker mortgage from Barclays, 現在／一般に at 5.39 per cent, which is 始める，決める at the Bank of England base 率 加える 0.14 百分率 points. Leek Building Society has a tracker mortgage which is 割引d to 4.99 per cent for two years.

Although tracker mortgages tend to be わずかに more ex pensive than 直す／買収する，八百長をするd 率 取引，協定s, they do have other useful selling points if you believe 率s will 落ちる その上の in the 近づく 称する，呼ぶ／期間／用語 and want to 持つ／拘留する out for better. Firstly, unlike 直す／買収する，八百長をするd-率 取引，協定s most tracker mortgages have no 早期に 返済 告発（する），告訴（する）／料金s so you can 溝へはまらせる／不時着する them whenever you do find a 直す／買収する，八百長をするd-率 取引，協定 you’re happy to lock into. Secondly, most tracker mortgages rise and 落ちる in line with the base 率, so ? unlike with a 直す／買収する，八百長をするd-率 取引，協定 ? if 利益／興味 率s do 減少（する） you will see your 月毎の costs 落ちる.

What mortgage 率 could I get now if I 直す／買収する，八百長をするd?

The 普通の／平均（する） two-year 取引，協定 is now at 5.62 pc, 負かす／撃墜する from a high of 6.86 pc last July, によれば 率 scrutineer Moneyfacts Compare.

Five-year 取引，協定s have also fallen to 5.24 pc after 頂点（に達する）ing at 6.37 pc.

貸す人s have been locked in a 猛烈な／残忍な price war for the past fortnight as they 緊急発進する to 削除する 率s to 誘惑する in new 顧客s.

Halifax, HSBC, Santander and Barclays have all 発表するd large 率 削減s in the past two weeks, making 全国的な Building Society the only major 貸す人 not to have taken an axe to its mortgage 率s.

The 人物／姿／数字s may put the ブレーキs on the number of 率 削減（する）s?? this is because higher-than-推定する／予想するd インフレーション 増加するs the 見込み that the Bank of England will 延期する cutting the base 率?as it keeps it elevated to bring インフレーション under 支配（する）／統制する

NatWest 削除するd its two and five year 取引，協定s by up to 0.69 百分率 points on Tuesday, making it the third major 貸す人 to 申し込む／申し出 five year 取引，協定s below 4 pc.

Borrowers who want to switch 取引，協定 and own 40 pc of their 所有物／資産／財産 will be able to 安全な・保証する a five year 取引，協定 at 3.94 pc with a £995 料金.

一方／合間, HSBC 発表するd a second 一連の会議、交渉／完成する of 削減（する）s to its five year 取引，協定s on Tuesday, 減ずるing its 率s by up to 0.4 百分率 points.

Homeowners with a 5 pc deposit can now lock into a five year 取引，協定 at 4.99 pc with £350 cashback.

While this fresh wave of 率 削減（する）s is a 約束ing start for homeowners in 2024, Andrew Montlake, of Coreco Mortgages, 警告するs to not 推定する／予想する その上の 削減（する）s of the same 早い nature.

He said: ‘We do 推定する／予想する 率s to continue to 落ちる but not as 劇的な as we’ve seen them do recently. In the past couple of days we’ve seen 交換（する） 率s and gilt 産する／生じるs 増加する a little bit.’

交換（する） 率s are 財政上の 測定s used by mortgage 貸す人s to price their 取引，協定s, based on what markets believe will happen to 利益／興味 率s next.

How long should I 直す／買収する，八百長をする for?

Ray Boulger, of 仲買人 John Charcol, argues that two-year 直す／買収する，八百長をするs are better than longer-称する，呼ぶ／期間／用語 直す／買収する，八百長をするs for 世帯s who want to see how the market pans out.

‘The difference between a two-year 直す／買収する，八百長をする and a five-year 直す／買収する，八百長をする is about half a 百分率 point. For those two years you’ll be 支払う／賃金ing half a 百分率 point more,’ he says.

The 普通の／平均（する） two-year 取引，協定 is now at 5.62 pc, 負かす／撃墜する from a high of 6.86 pc last July, によれば 率 scrutineer Moneyfacts Compare

‘I would 推定する／予想する 率s to be lower in two years’ time, but 率s need to be at least 1 pc lower for the two-year 直す／買収する，八百長をする to be worthwhile. The question is do you want to play the markets?’

For more 用心深い homeowners, the medium-称する，呼ぶ／期間／用語 安定 of a five-year 直す／買収する，八百長をする will 供給する certainty on their biggest 月毎の 支払い（額）, he 追加するs.

It is also 価値（がある） remembering that every time you remortgage, you may have to 支払う／賃金 new 料金s. If y ou 選ぶ for a two-year 取引，協定, you could be on the line for more 始める，決めるs of 料金s than if you went for a five-year 取引，協定. You should factor in the 衝撃 of 料金s into your 計算／見積りs.