To ask your mortgage rate?

[Darkling1]

We’ve just secured a new deal at 4.4% fixed for five years. LTV is 79%.

We were previously on 5% for two years (we only bought our house two years ago and that was the best deal we could get.)

What’s your mortgage rate?

0.49% above base rate lifetime tracker. About the only good financial decision I have made in my life. We have never (30+ years of having a mortgage) had a fixed rate mortgage as I was terrified of there being a jump up when the fix ended.

1.39% fixed until Jan 2027. Dreading how much extra we'll have to pay after, but hoping rates come down a bit more before then.

Currently 3.1% and 50% LTV but because I'm divorcing him, I'm moving to a sole mortgage at 3.81% annoying but at least it will be my house!

5.1% my old fixed ended just as mortgage rates doubled.

I could have got lower on a 2 year fixed but I fixed for 5 years.

I'm in shared ownership though so I have a limit to who I can go with as not everyone does Shared Ownership mortgages, that and my credit was fucked so I couldn't shop around.

2.19% until 2032.

A lot of posters on here will be older &. ought their houses a while ago so have lower LTV so pointless comparing.

1.4% until Dec 2026. It was a 5 year fix

I'm planning to downsize at that point to reduce the impact the rate increase will have

Snap! But we owe over 400k so not much chance to drastically reduce it by then ...

3% til oct then we are paying it off, but expecting to start a new one in the next year. Hoping to get 4% rate on a 45% LTV, borrowing 2.2 x income over 25 years.

3.95…new mortgage this year

DS last year 3.69 5 year. 65 LTV
DD year before 4.16 5 year. 60 LTV

We once had 0.25 over base rate.....then the base rate fell to virtually zero! We put our repayments up! And paid it of so, so, much earlier incurring pennies in interest. Mind you....we have the roofers in now! I'm.sure we will end up paying anything we saved on that

Stupidly low - we fixed it just before it all went a bit daft a couple of years ago. Deal ends in March and we've got the money to pay the last bit of the mortgage off sitting in a high interest account. We were lucky with our timings.

Looking forward to being mortgage free...

5.9, for 3 more years! Hopefully will be less then

4.8 - thanks Liz Truss! It was much lower before (as for many others!)

3.34% until 2032. Bought after the Liz Truss fiasco and managed to secure a deal just as the rates started to go up.

You'd be better off putting it in a savings account at 4% + and then using the money to pay it down as soon as the deal ends. That's what we're doing while savings rates are higher than the mortgage rate.

4.26% on a fixed 2 year til April we are below 65% LTV though.
From early looking we can drop about 1%.

We will lock in from Nov on another fix - last time we checked every 2 weeks and locked in about 8 different times with our current provider in the 6 months leading up to switch.

I wouldn’t fix on 5 years if I were you it’s going down constantly, I’m already regretting recently fixing for 2 years on 4.48

We just cleared our BTL interest only mortgage at 1% over base.
I think all the rates quoted are cheaper than the Government can borrow at.
Not sure what that tells us.

I'm remortgaging at the moment, I was on 2.99% in 2020 (quite high because 90% LTV) and moving to 3.95% for 5 years, so not so bad. Going to try and overpay as much as possible, which I didn't do at all in the last 5 years.

1.19% fixed until May '27. Yes, I know how lucky I am.

We're saving and investing what we could spend in overpayments as it's really not worth the return to overpay at that rate.

We did a five year fix last year at 4.19% and have a great LTV. Slightly regretting doing 5 years now. Our previous five year fixed was 2.19 I think. 27 years left to pay and we’re mid 40s!

Currently 4.89% - went onto a one year fix when our previous lovely 1.38% expired. We are moving shortly, and the new mortgage will be on 4.04%

3.86% fixed to 2029

4.37% until August 2026. Fixed in 2024