Major lenders including HSBC, Nationwide and Halifax have kicked off the new year by reducing rates on their fixed mortgage deals to as low as 3.5%. It's good news for the 1.8 million people with existing fixes due to end in 2026. But where will rates go from here – and should you fix your mortgage now or wait?
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'Cheapest mortgage fixes drop to 3.5% – brokers answer if you should you lock in now or wait?'
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Cheapest mortgage fixes drop to 3.5% – brokers answer if you should you lock in now or wait?
MSE_Kit
Posts: 119 MSE Staff
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I've had 2-3 emails today from lenders saying the will be reducing rates on Thursday.
No guarantees those rates will be cheaper overall, but it sounds like they will be lower by the end of the week than they are today.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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