Andrew Montlake, of mortgage broker Coreco, said: “How long [these cuts] continue remains to be seen, and whilst rates could still have some way to fall and the market will be more competitive once more, I suspect the pace of reductions to slow as the market finds a new normal to stabilise.”
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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 rateu003c/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 paymentu003c/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 rateu003c/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=”5.59″n min=”0.10″ n max=”100.00″n data-default=”5.59″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 changeu003c/p>n u003cp class=”results__figure–to”>tou003c/p>n u003cp class=”results__figure results__figure–monthly-total”>u003cspan class=”figure”>u003c/span>n monthly totalu003c/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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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=”160000″n min=”0″ n max=”10000000″n data-default=”160000″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”>yearsu003c/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. 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We thought the new year would start with a bang and that’s proving to be the case.””,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Lenders have been under pressure to reduce mortgage rates, because the cost of funding these home loans has dropped.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Lenders have been under pressure to reduce mortgage rates, because the cost of funding these home loans has dropped.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Although the Bank of England’s benchmark interest rate has been held three times at 5.25%, economists expect the next move to be a cut – an expectation that has already fed through to lenders’ calculations.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Although the Bank of England’s benchmark interest rate has been “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”held three times”,”locator”:”https://www.bbc.co.uk/news/business-57764601″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”held three times”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:” at 5.25%, economists expect the next move to be a cut – an expectation that has already fed through to lenders’ calculations.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”There is also competition to keep hold of existing custom with relatively little activity among new buyers. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”There is also competition to keep hold of existing custom with relatively little activity among new buyers. “,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Line chart showing the average interest rate charged on two-year and five-year fixed deals. 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The five-year rate was 5.53%, and it peaked at 6.51%.”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:1500,”width”:1920,”locator”:”3173/production/_132195621_mortgage-rates-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:””Banks and building societies will want the strongest possible start to the year, so it seems almost inevitable that more of them will improve their rates and fight it out to offer the cheapest deals,” said Mr Strutt.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:””Banks and building societies will want the strongest possible start to the year, so it seems almost inevitable that more of them will improve their rates and fight it out to offer the cheapest deals,” said Mr Strutt.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”He warned that people should look closely at the whole product.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”He warned that people should look closely at the whole product.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Overall, the average rate on a two-year fixed mortgage has only dropped marginally in recent days, to now stand at 5.93%, according to the financial information service Moneyfacts.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Overall, the average rate on a two-year fixed mortgage has only dropped marginally in recent days, to now stand at 5.93%, according to the financial information service Moneyfacts.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The “best-buys” have dropped by about 0.8 percentage points in the last three months, it said.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The “best-buys” have dropped by about 0.8 percentage points in the last three months, it said.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Andrew Montlake, of mortgage broker Coreco, said: “How long [these cuts] continue remains to be seen, and whilst rates could still have some way to fall and the market will be more competitive once more, I suspect the pace of reductions to slow as the market finds a new normal to stabilise.””,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Andrew Montlake, of mortgage broker Coreco, said: “How long [these cuts] continue remains to be seen, and whilst rates could still have some way to fall and the market will be more competitive once more, I suspect the pace of reductions to slow as the market finds a new normal to stabilise.””,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Banner saying ‘Get in touch'”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:229,”width”:1920,”locator”:”1739F/production/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What’s happening to your mortgage? 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“,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”@BBC_HaveYourSay”,”locator”:”http://twitter.com/BBC_HaveYourSay”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”@BBC_HaveYourSay”,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Upload your pictures or video”,”locator”:”https://tinyurl.com/e66rejtn”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Upload your pictures or video”,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Please read our “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”terms & conditions”,”locator”:”http://www.bbc.co.uk/usingthebbc/terms/”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”terms & conditions”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:” and “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”privacy policy”,”locator”:”http://www.bbc.co.uk/usingthebbc/privacy-policy/”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”privacy 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