How high will 2,3 and 5 yr fixed rates get repriced at as bond yields near 5%?

coypondboy

What profit margin do lenders price in on top of the bond rate i.e if a 2 yr bond is 5% does it mean a 2 yr fixed is priced at 6% or 7% what profit margin is typical anyone know?

[Deleted User]

I was wondering this myself earlier. When base rate was 0.1% average mortgage rate was (allegedly) 2.1% according to a site I found so I guess a 2% margin give or take? But I assume it varies wildly depending on risk and length of fix and what time of day it is and whether the broker got out of bed on the correct side etc. etc.