Sub-4% mortgage 率s 'could disappear this week' as Santander 発表するs 引き上げ（る）s

The cheapest mortgage 率s look 始める，決める to go 支援する above 4 per cent once again, after Santander 発表するd it will be raising 率s from tomorrow.

Santander is 増加するing all its 基準 居住の 直す／買収する，八百長をするd 率s by between 0.23 and 0.34 百分率 points.

Homeowners looking to remortgage will therefore have until the end of today to 捕らえる、獲得する Santander's five-year 直す／買収する，八百長をするd 率 at 3.99 per cent, with a £999 料金 大（公）使館員d.

It is 利用できる to those remortgaging with at least 40 per cent 公正，普通株主権 in their home.?

On the up: Santander has become the 最新の mortgage 貸す人 to 発表する 率 rises

公正，普通株主権-rich homeowners looking for the market 主要な two-year 直す／買収する，八百長をする could 以前 get 4.39 per cent with Santander.

But now the cheapest 取引，協定 利用できる to them will jump to 4.52 per cent, with Halifax.

On a £200,000 mortgage 存在 repaid over 20 years that's the difference between 支払う／賃金ing £1,253 and £1,267 a month - a £336 saving over two years.

The changes will also leave HSBC as the 単独の mortgage 貸す人 on the market 申し込む／申し出ing a 居住の five-year 直す／買収する，八百長をするd 率 below 4 per cent.

HSBC's cheapest five-year 直す／買収する，八百長をする, reserved for those buying with at least a 40 per cent deposit or remortgaging with at least 40 per cent 公正，普通株主権, 告発（する），告訴（する）／料金s 3.99 per cent.

However, mortgage 仲買人s 推定する／予想する HSBC's market-主要な 率s won't be around for much longer.

示す Harris, 長，指導者 (n)役員／(a)執行力のある of mortgage 仲買人 SPF 私的な （弁護士の）依頼人s, said: 'HSBC will be the final player in the sub-4 per cent five-year 直す／買収する，八百長をする market once Santander has repriced 上向きs.?

'As borrowers 必然的に flock に向かって HSBC for the best 取引，協定 on the market, the 貸す人 will want to 確実にする its service levels are 保存するd so we would 推定する／予想する it to also to reprice 上向きs by the 週末.

Chris Sykes, technical director at 私的な 財政／金融 追加するs: 'We could 井戸／弁護士席 see sub 4 per cent 率s disappear this week.'?

Up until the start of this month, mortgage 率s were on a downward trajectory. In January alone, more than 50 貸す人s 削除するd their 居住の 率s.

However, 率s now appear to be 支援する on the up. Since 1 February the 普通の／平均（する） two-year 直す／買収する，八百長をする has risen from 5.56 to 5.7 per cent, によれば Moneyfacts.

The 転換 上向きs has come thanks to a slight change in market 期待s around 未来 利益／興味 率s.?

Markets now think a Bank of England base 率 削減 before June is いっそう少なく likely.

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.

But it is now 予測（する） that 率s will 落ちる to just 4.75 per cent or 4.5 per cent this year ? with the first move coming as late as September.

Mortgage 仲買人s are 勧めるing anyone approaching the end of their 現在の 取引，協定 - or those on a tracker or 基準 variable 率 - to consider 直す／買収する，八百長をするing now.

Sykes said: 'We've advised some （弁護士の）依頼人s to 直す／買収する，八百長をする now as we may 井戸／弁護士席 have seen the 底（に届く） of 率s for a little while.'

Nic holas Mendes, mortgage technical 経営者／支配人 at 仲買人 John Charcol 追加するd: 'Given the nature of the market, those who may be hesitant to commit to a 取引，協定 should 行為／法令／行動する quickly.?

Mortgage 専門家: Chris Sykes?thinks we could 井戸／弁護士席 see sub 4% 率s disappear this week

'While we 心配する a 削減 in 直す／買収する，八百長をするd 率s, the timeline for this 調整 may be somewhat longer than 最初 推定する／予想するd.'

示す Harris 追加するs: 'If borrowers see a 率 they like the look of, they would be wise to 安全な・保証する it without 延期する for peace of mind. When they come to take out the 製品, if 率s have fallen again, they can go for a cheaper 率.'

Market 期待s and mortgage pricing is 反映するd in Sonia 交換（する） 率s. At the start of the year two-year 交換（する）s were at 4.04 per cent and five year 交換（する）s were at 3.4 per cent.

As of 20 February, two-year 交換（する）s have risen at 4.52 per cent and five year 交換（する）s are at 3.96 per cent.

Some mortgage 仲買人s think it could be a while before we see sub-4 per cent 率s 再現する - perhaps not until the Bank of England begins cutting the base 率.

'I think it depends on the next few インフレーション and MPC 人物／姿／数字s,' says Sykes. 'But I don't think we'll see sub 4 per cent 率s again until the 通貨の 政策 委員会 減ずるs the base 率.'

示す Harris 追加するs: 'We are in a period of pricing volatility, on the 支援する of rising 交換（する） 率s, which underpin the setting of 直す／買収する，八百長をするd-率 mortgages.?

'All 注目する，もくろむs will be on 近づいている 経済的な data as this will dictate where pricing will go in coming months.

'Once the MPC's 意向s are better understood, markets could 反応する quickly and cheaper pricing could return.'