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When to apply for a new mortgage?
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Ah, Anne, it would have helped if you had posted those end dates on the other thread.
IMHO whilst there's a tendency for mortgage rates to drift upwards compared to funding costs, reflecting the credit crunch, that won't continue forever. If BBR fell by a couple of percent, there's no way that the present variable mortgage rates will continue.
Fixed mortgage rates already take account of quite a lot of future BBR reduction, so fixed rates will only fall significantly if BBR falls more than people are currently expecting.0
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