Interest on mortgage

[loulou1994]

I know everyone's circumstances are different and we all live in different areas just wondering what your interest rate is if you've changed your mortgage/fixed/ new mortgage or even if you've been fixed for a while?
We are looking to buy we have 20% deposit and ours is looking at around 5% fixed for 5 years in the north east.

We fixed 18 months ago for 5 years. at a Rate of 2.79%

Lucky we bought when we did I think.. (It's never happened before, we got completely stung in 2007)

I fixed this week at 3.64% for 5 years but have a much bigger loan to value than you so could access the better rates. Our previous rate was 2.99% as a first time buyer. 5% sounds quite high to me!

Thank you for your response. We are borrowing around £280,000 5% seemed quite high to us too. Maybe we should shop around a bit more with different mortgage advisors

That is super lucky!! thank you for your response

2.09 almost two years ago. Deal nearly up and looking at 3.65 now. Not happy!

1.29. Wish it was for 5 years though not 2. Not FTB.

Fixed at 1.69% about two and a half years ago for a five year fix.

2.99 for 10 years last February

1.25 fixed for 5 years

0.99% fixed for a couple more years, mortgage amount £420k which was 85% LTV

We fixed 2 years ago at 1.89% 5 year. We ported our mortgage to another property and have a top up mortgage which is at 2.3%. LTV is about 78%.

We're paying 1.19% fixed for five years - the rate expires at the start of 2027.

I fixed for 3 years in December 2021 for 0.99%

1.7 for 5 years, this January. I am so thankful I picked the 5 year option when getting a new deal!!!

1.38% fixed for a 5 year term (4 to go) but we own 70% of the house now.

2.99 fixed for 5 years in February. Low LTV under 50%.

Should read 1.99 not 2.99

Ported the mortgage last year. Fixed for 5 years.

1 = 1.49% ends March 2026
1 = 1.63% ends August 2026

Feel very lucky to have low rates so dreading what they’ll be in 2026! Trying to overpay as much as possible now where we can.

1.29 for 5 years fixed , 4 years left on deal. Dread to think what they will be then

Im just looking at our mortgage, wish I’d sorted it before. Would you go for 3 or 5 years fixed rate at this point?

Fixed two months ago. 10 year fix at 2.48%. No plans to move, so I'm very glad we did that now!

Fixed in Feb on a 10 year term at 1.99 with a 60% LTV. Cost us 1.5k to leave our fix which was due to end Sept. Best 1.5k we have spent in a while.

5% seems a lot even right now.

We fixed for 5 years in October last year at 1.19% - we feel very fortunate!

Fixed in Jan for 5 years at 1.09% [smug] planning to put money we’d normally use to overpay into a S&S ISA hoping that will out perform the mortgage, it’s currently not, but I live in hope.

@delilahhey that's amazing 🤩