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Original poster

My 5 year fixed mortgage rate is coming to an end .….

29 replies

somanychristmaslights · 16/01/2026 22:23

It was 1.14%. Eugh, this is going to hurt isn’t it. How things can change in a short period of time in the grand scheme of things is so frustrating. Our payments are likely to be the highest they’ve been even though we’ve lived here 10 years.
what have been peoples payment increases recently?

OP posts:

Helplessandheartbroke · 18/01/2026 20:34

swingingbytheseat · 16/01/2026 22:26

Moving from a 2.2% in may but I’m hoping they’ll be a few more rate cuts this year

Exactly the same. 2.2 until may. Dreading it

Unexpectedlysinglemum · 18/01/2026 20:37

thetimehascomeandso · 16/01/2026 22:26

Mine went from £800pcm to £2k pcm 2 years ago. We are just about to remortgage as looking at £1400pcm. Just debating whether to do a 2 or 5 year fix

I would do tracker

Hitchens · 19/01/2026 09:28

somanychristmaslights · 16/01/2026 22:30

Thank you. I need to do some research. No idea what type of mortgage to go for. Won’t be fixing for 5 years again that’s for certain!

Show quote history

You’ve had 5 years of the lowest mortgage rates which are totally out of the norm and you think it’s unlucky they are now higher? You are looking at this backwards. Rates today are much closer to the long term average and the norm.

why do you dismiss fixing for 5 years again? If you are expecting rates close to 1% again you are going to be continually disappointed

Clefable · 20/01/2026 09:42

We’ve re-fixed for two years at 3.84%. Decided not to pay off the lump sum in the end as I can keep it all in our ISAs at 4.3% so we end up slightly better off. We will reevaluate when it comes to an end.

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