Cost of living: My mortgage deal is ending – what are my options?

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“,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What’s happening to mortgage rates? “,”attributes”:[]}}]}}]}}],”level”:2,”fontScale”:”headlineSmall”,”id”:”Whats-happening-to-mortgage-rates-“,”isFocusable”:true}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”About 20% of residential mortgage-holders have variable rate or tracker loans, totalling about 1.6 million households in the UK. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”About 20% of residential mortgage-holders have “,”attributes”:[]}},{“type”:”fragment”,”model”:{“text”:”variable rate or tracker loans”,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:”, totalling about 1.6 million households in the UK. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Their monthly repayment rises whenever the Bank of England increases its benchmark interest rate, which it has done 10 times in a row.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Their monthly repayment rises whenever the Bank of England increases its benchmark interest rate, “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”which it has done 10 times in a row”,”locator”:”https://www.bbc.co.uk/news/business-57764601″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”which it has done 10 times in a row”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”A typical homeowner on an average tracker deal now pays almost £400 more a month than in December 2021, when rates started to rise.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”A typical homeowner on an average tracker deal now pays almost £400 more a month than in December 2021, when rates started to rise.”,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“image”:{“alt”:”Graphic showing interest rates rising to 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976w”}]}}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Fixed-rate mortgages are different. The monthly payment stays the same for the length of the deal – usually two or five years. About 78% of mortgage holders – some 6.5 million homeowners – have this type of mortgage.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Fixed-rate mortgages “,”attributes”:[“bold”]}},{“type”:”urlLink”,”model”:{“text”:”are different”,”locator”:”https://www.which.co.uk/money/mortgages-and-property/mortgages/types-of-mortgage/mortgage-types-explained-aIGHA3F2WqyQ”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”are different”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”. The monthly payment stays the same for the length of the deal – usually two or five years. About 78% of mortgage holders – some 6.5 million homeowners – have this type of mortgage.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”When these deals expire, borrowers automatically move onto their lender’s standard variable rate (SVR), which tends to be much more expensive. At the moment SVRs are typically 7% or 8%. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”When these deals expire, borrowers automatically move onto their lender’s standard variable rate (SVR), which tends to be much more expensive. At the moment SVRs are typically 7% or 8%. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It is thought that 1.8 million fixed deals will end in 2023. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It is thought that 1.8 million fixed deals will end in 2023. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”At this point, the vast majority of borrowers take out a new fixed-rate mortgage with the same lender or a rival. About three-quarters use a broker to find a deal.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”At this point, the vast majority of borrowers take out a new fixed-rate mortgage with the same lender or a rival. About three-quarters use a broker to find a deal.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But the fixed-rate deals available now are much more expensive than they used to be. A couple of years ago, the best deals were at 1% whereas the best rates now are 4%.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But the fixed-rate deals available now are much more expensive than they used to be. 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If not, enter the total you are looking to borrow.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_1\”\n name=\”form_input_1\” \n type=\”number\”\n value=\”150000\”\n min=\”0\” \n max=\”10000000\”\n data-default=\”150000\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_1\” aria-label=\”increase £\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_1\” aria-label=\”decrease £\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>£\u003c/span>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_2\”>How long will you take to pay it back?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-2\” aria-label=\”More info on repayment periods\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-2\”>\n \u003cdiv class=\”info-box__text info-button-2\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_2\”\n name=\”form_input_2\” \n type=\”number\”\n value=\”20\”\n min=\”1\” \n max=\”50\”\n data-default=\”20\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_2\” aria-label=\”increase years\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_2\” aria-label=\”decrease years\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>years\u003c/span>\n \u003c/div>\n \u003cdiv class=\”radio__container\”>\n \u003cfieldset>\n \u003cdiv class=\”label__container\”>\n \u003clegend class=\”label__input\”>What is your current…\u003c/legend>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-3\” aria-label=\”More info on interest rates\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-3\”>\n \u003cdiv class=\”info-box__text\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”radio__group\”>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”interest\” name=\”format-selector\” value=\”interest\” checked=\”true\”>\n \u003clabel for=\”interest\”>interest rate\u003c/label>\n \u003c/div>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”monthly\” name=\”format-selector\” value=\”monthly\”>\n \u003clabel for=\”monthly\”>monthly payment\u003c/label>\n \u003c/div>\n \u003c/div>\n \u003c/fieldset>\n \n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input off-screen\” for=\”form_radio_input_1\”>interest rate\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container input__container–radio\”>\n \u003cinput id=\”form_radio_input_1\”\n name=\”form_radio_input_1\” \n type=\”number\”\n value=\”2.00\”\n min=\”0.50\” \n max=\”10.50\”\n data-default=\”2.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_radio_input_1\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_radio_input_1\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_3\”>Choose an interest rate to compare with…\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_3\”\n name=\”form_input_3\” \n type=\”number\”\n value=\”6.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”6.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_3\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_3\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003cinput class=\”submit-btn\” type=\”submit\” value=\”Calculate\” />\n \u003c/form>\n \u003cdiv class=\”results__container–figures\” aria-hidden=\”true\”>\n \u003cdiv class=\”width-restrict\”>\n \u003cp class=\”results__para\”>At this rate, your payments could change by…\u003c/p>\n \u003cdiv class=\”results__figures\”>\n \u003cp class=\”results__figure results__figure–monthly-increase\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly change\u003c/p>\n \u003cp class=\”results__figure–to\”>to\u003c/p>\n \u003cp class=\”results__figure results__figure–monthly-total\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly total\u003c/p>\n \u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cp class=\”results–off-screen off-screen\”>\u003c/p>\n \u003cdiv class=\”results__container–repayment-estimate\”>\n \u003cp class=\”results__estimate width-restrict\”>\u003c/p>\n \u003c/div>\n \u003cdiv class=\”results__container–error\”>\n \u003cp class=\”results__error\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\u003c/p>\n \u003c/div>\n \u003cdiv class=\”disclaimer\”>\n \u003cp class=\”disclaimer-para\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Consider fees.”,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:” Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Negotiate. If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Negotiate. “,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:”If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”attributes”:[]}}]}}]}}],”level”:2,”fontScale”:”headlineSmall”,”id”:”Should-I-consider-a-variable-rate-as-a-stopgap”,”isFocusable”:true}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But one broker warns that an SVR is \”not a cheap place to sit and wonder\”. 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If not, enter the total you are looking to borrow.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_1\”\n name=\”form_input_1\” \n type=\”number\”\n value=\”150000\”\n min=\”0\” \n max=\”10000000\”\n data-default=\”150000\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_1\” aria-label=\”increase £\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_1\” aria-label=\”decrease £\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>£\u003c/span>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_2\”>How long will you take to pay it back?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-2\” aria-label=\”More info on repayment periods\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-2\”>\n \u003cdiv class=\”info-box__text info-button-2\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_2\”\n name=\”form_input_2\” \n type=\”number\”\n value=\”20\”\n min=\”1\” \n max=\”50\”\n data-default=\”20\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_2\” aria-label=\”increase years\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_2\” aria-label=\”decrease years\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>years\u003c/span>\n \u003c/div>\n \u003cdiv class=\”radio__container\”>\n \u003cfieldset>\n \u003cdiv class=\”label__container\”>\n \u003clegend class=\”label__input\”>What is your current…\u003c/legend>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-3\” aria-label=\”More info on interest rates\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-3\”>\n \u003cdiv class=\”info-box__text\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”radio__group\”>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”interest\” name=\”format-selector\” value=\”interest\” checked=\”true\”>\n \u003clabel for=\”interest\”>interest rate\u003c/label>\n \u003c/div>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”monthly\” name=\”format-selector\” value=\”monthly\”>\n \u003clabel for=\”monthly\”>monthly payment\u003c/label>\n \u003c/div>\n \u003c/div>\n \u003c/fieldset>\n \n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input off-screen\” for=\”form_radio_input_1\”>interest rate\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container input__container–radio\”>\n \u003cinput id=\”form_radio_input_1\”\n name=\”form_radio_input_1\” \n type=\”number\”\n value=\”2.00\”\n min=\”0.50\” \n max=\”10.50\”\n data-default=\”2.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_radio_input_1\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_radio_input_1\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_3\”>Choose an interest rate to compare with…\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_3\”\n name=\”form_input_3\” \n type=\”number\”\n value=\”6.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”6.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_3\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_3\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003cinput class=\”submit-btn\” type=\”submit\” value=\”Calculate\” />\n \u003c/form>\n \u003cdiv class=\”results__container–figures\” aria-hidden=\”true\”>\n \u003cdiv class=\”width-restrict\”>\n \u003cp class=\”results__para\”>At this rate, your payments could change by…\u003c/p>\n \u003cdiv class=\”results__figures\”>\n \u003cp class=\”results__figure results__figure–monthly-increase\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly change\u003c/p>\n \u003cp class=\”results__figure–to\”>to\u003c/p>\n \u003cp class=\”results__figure results__figure–monthly-total\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly total\u003c/p>\n \u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cp class=\”results–off-screen off-screen\”>\u003c/p>\n \u003cdiv class=\”results__container–repayment-estimate\”>\n \u003cp class=\”results__estimate width-restrict\”>\u003c/p>\n \u003c/div>\n \u003cdiv class=\”results__container–error\”>\n \u003cp class=\”results__error\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\u003c/p>\n \u003c/div>\n \u003cdiv class=\”disclaimer\”>\n \u003cp class=\”disclaimer-para\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Consider fees.”,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:” Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Negotiate. If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Negotiate. “,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:”If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But one broker warns that an SVR is \”not a cheap place to sit and wonder\”. 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If not, enter the total you are looking to borrow.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_1\”\n name=\”form_input_1\” \n type=\”number\”\n value=\”150000\”\n min=\”0\” \n max=\”10000000\”\n data-default=\”150000\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_1\” aria-label=\”increase £\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_1\” aria-label=\”decrease £\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>£\u003c/span>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_2\”>How long will you take to pay it back?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-2\” aria-label=\”More info on repayment periods\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-2\”>\n \u003cdiv class=\”info-box__text info-button-2\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\u003c/div>\n \u003c/div>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_2\”\n name=\”form_input_2\” \n type=\”number\”\n value=\”20\”\n min=\”1\” \n max=\”50\”\n data-default=\”20\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_2\” aria-label=\”increase years\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_2\” aria-label=\”decrease years\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>years\u003c/span>\n \u003c/div>\n \u003cdiv class=\”radio__container\”>\n \u003cfieldset>\n \u003cdiv class=\”label__container\”>\n \u003clegend class=\”label__input\”>What is your current…\u003c/legend>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-3\” aria-label=\”More info on interest rates\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-3\”>\n \u003cdiv class=\”info-box__text\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”radio__group\”>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”interest\” name=\”format-selector\” value=\”interest\” checked=\”true\”>\n \u003clabel for=\”interest\”>interest rate\u003c/label>\n \u003c/div>\n \u003cdiv class=\”input-container\”>\n \u003cinput class=\”radio-input\” type=\”radio\” id=\”monthly\” name=\”format-selector\” value=\”monthly\”>\n \u003clabel for=\”monthly\”>monthly payment\u003c/label>\n \u003c/div>\n \u003c/div>\n \u003c/fieldset>\n \n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input off-screen\” for=\”form_radio_input_1\”>interest rate\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container input__container–radio\”>\n \u003cinput id=\”form_radio_input_1\”\n name=\”form_radio_input_1\” \n type=\”number\”\n value=\”2.00\”\n min=\”0.50\” \n max=\”10.50\”\n data-default=\”2.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_radio_input_1\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_radio_input_1\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003c/div>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_3\”>Choose an interest rate to compare with…\u003c/label>\n \u003c/div>\n \n \u003cdiv class=\”input__container \”>\n \u003cinput id=\”form_input_3\”\n name=\”form_input_3\” \n type=\”number\”\n value=\”6.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”6.00\”\n step=\”any\”\n required=\”required\”\n >\n \n \u003cdiv class=\”input__btn-container\”>\n \u003cbutton class=\”input__btn-increment\” data-direction=\”increment\” data-key=\”form_input_3\” aria-label=\”increase %\”>\u003c/button>\n \u003cbutton class=\”input__btn-decrement\” data-direction=\”decrement\” data-key=\”form_input_3\” aria-label=\”decrease %\”>\u003c/button>\n \u003c/div>\n \u003cspan class=\”input__number-format\” aria-hidden=\”true\”>%\u003c/span>\n \u003c/div>\n \u003cinput class=\”submit-btn\” type=\”submit\” value=\”Calculate\” />\n \u003c/form>\n \u003cdiv class=\”results__container–figures\” aria-hidden=\”true\”>\n \u003cdiv class=\”width-restrict\”>\n \u003cp class=\”results__para\”>At this rate, your payments could change by…\u003c/p>\n \u003cdiv class=\”results__figures\”>\n \u003cp class=\”results__figure results__figure–monthly-increase\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly change\u003c/p>\n \u003cp class=\”results__figure–to\”>to\u003c/p>\n \u003cp class=\”results__figure results__figure–monthly-total\”>\u003cspan class=\”figure\”>\u003c/span>\n monthly total\u003c/p>\n \u003c/div>\n \u003c/div>\n \u003c/div>\n \u003cp class=\”results–off-screen off-screen\”>\u003c/p>\n \u003cdiv class=\”results__container–repayment-estimate\”>\n \u003cp class=\”results__estimate width-restrict\”>\u003c/p>\n \u003c/div>\n \u003cdiv class=\”results__container–error\”>\n \u003cp class=\”results__error\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\u003c/p>\n \u003c/div>\n \u003cdiv class=\”disclaimer\”>\n \u003cp class=\”disclaimer-para\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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requireTag.src=”https://news.files.bbci.co.uk/include/vjassets/js/vendor/require-2.1.20b.min.js”;\n requireTag.onload = initEmbed;\n headTag.appendChild(requireTag);\n } else {\n initEmbed();\n }\n\n }\n else if (window.require) {\n require([‘istats-1’], function (istats) {\n istats.log(‘browser does not cut the mustard’, ‘newsspec-nonuser’);\n });\n } })();\n\u003c/script>\n”}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”If you can’t see the calculator, click here.”,”blocks”:[{“type”:”urlLink”,”model”:{“text”:”If you can’t see the calculator, click here.”,”locator”:”https://www.bbc.co.uk/news/business-63474582″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”If you can’t see the calculator, click here.”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Consider fees. Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Consider fees.”,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:” Some deals have arrangement fees; some have exit penalties (called early repayment charges). Make sure you include these in your calculations. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Negotiate. If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Negotiate. “,”attributes”:[“bold”]}},{“type”:”fragment”,”model”:{“text”:”If a lender announces lower rates after making you an offer but before your new deal starts, you can ask it to match the better deal. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It is possible to switch to a different provider offering a more competitive rate during this period, but it would require a new application.”,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Should I consider a variable rate as a stop-gap?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Many expect that the Bank of England’s benchmark interest rate – and, in turn, mortgage rates – will fall later in 2023.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It might be tempting to stay on your lender’s SVR while waiting for cheaper fixed-rate deals to emerge.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But one broker warns that an SVR is \”not a cheap place to sit and wonder\”. You might be better with a tracker rate. Trackers are also linked to the Bank rate – so fall if it drops – but can be more competitive than an SVR. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But one broker warns that an SVR is \”not a cheap place to sit and wonder\”. You might be better with a tracker rate. Trackers are also linked to the Bank rate – so fall if it drops – but can be more competitive than an SVR. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”You need to decide what’s right for you, but some brokers argue fixed rates might not fall sufficiently to make any delay financially worthwhile.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”You need to decide what’s right for you, but some brokers argue fixed rates might not fall sufficiently to make any delay financially worthwhile.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Committing to a fixed rate – even at a higher cost – gives certainty for a set period of time. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Committing to a fixed rate – even at a higher cost – gives certainty for a set period of time. “,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What happens if I can’t pay?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens if I can’t pay?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some people are already struggling to keep up with repayments. While arrears levels are still relatively low, the boss of HSBC warned the \”headwinds are ahead of us, not behind\”.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some people are already struggling to keep up with repayments. While arrears levels are still relatively low, the boss of HSBC warned the \”headwinds are ahead of us, not behind\”.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”A pattern of missed payments can make it difficult to get a new deal, potentially leaving borrowers on the more expensive SVR. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”A pattern of missed payments can make it difficult to get a new deal, potentially leaving borrowers on the more expensive SVR. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”locator”:”https://www.bbc.co.uk/news/business-63486782″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Mortgage lenders: Cost of living guidance”,”locator”:”https://www.ukfinance.org.uk/cost-of-living”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Mortgage lenders: Cost of living guidance”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Other unpaid bills, such as credit cards and utility bills, can affect your credit record, which lenders use to consider mortgage applications. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Other unpaid bills, such as credit cards and utility bills, can affect your credit record, which lenders use to consider mortgage applications. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Check your credit file is correct before submitting paperwork. Brokers recommend you are upfront about your payment history. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Check your credit file is correct before submitting paperwork. Brokers recommend you are upfront about your payment history. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”You could consider extending the length of your mortgage term. For example, if your home loan is due to be repaid over 17 years, it can be restructured over 20 years instead.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”You could consider extending the length of your mortgage term. For example, if your home loan is due to be repaid over 17 years, it can be restructured over 20 years instead.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”That reduces monthly repayments, and might be a short-term option for some people. However, ultimately, it mean you pay more in interest over the lifetime of the mortgage.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”That reduces monthly repayments, and might be a short-term option for some people. However, ultimately, it mean you pay more in interest over the lifetime of the mortgage.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Anyone who finds their income is higher than expected could use the extra money to overpay their mortgage. This would cut the total interest bill, and most lenders allow you to do so, up to a set level.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Anyone who finds their income is higher than expected could use the extra money to overpay their mortgage. This would cut the total interest bill, and most lenders allow you to do so, up to a set level.”,”attributes”:[]}}]}}]}}]},”product-navigation”:{“assetUri”:”/news/business-64569995″},”bbcAccount”:{“signInPrompt”:{“show”:false,”userOrigin”:null,”ptrt”:null},”pageType”:”content”}},”route”:”/news/:id”}”;

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