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Building and protecting your wealth

Mortgage rates – how low can they go?



Just how low can mortgage rates go? This is the question that is on the tip of everyone’s tongues in the mortgage world right now.

The appetite of lenders at the moment is forcing strong competition in the market and that is driving rates in a seemingly ever downward direction.


The mortgage rate war is in full swing

It’s being referred to as a “mortgage rate war” as there has been an intense battle in the last few years by lenders to offer the most competitive interest rates to attract new business.

Some examples of deals available are:

Fixed Rate(s)

  • 2 Year @ 1.29%
  • 3 Year @ 1.89%
  • 5 Year @ 2.29%
  • 10 Year @ 2.94%

Offset Products

  •  2 Year Fixed @ 1.59%

Smaller Deposit – Purchase/Remortgage

  • 90% 2 Year @ 2.94%
  •  85% 2 Year @ 2.29%

Buy-to-ley arrangements for Purchase/Remortgage

  • 2 Year fixed @ 2.55%

The average lender’s Standard Variable Rate is now 4%. Apathy could be costing you thousands in unnecessary interest payments.

If you would like us to undertake a review of your current mortgage deal or you are thinking of purchasing in the near future and require funding, please contact Chris for a free, no obligation appraisal.

Tel: 01403 780 770

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