UK interest rates: What the rise means for you

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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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jump in the rate of rising prices.”,”attributes”:[“bold”]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Bank rate is up from 4% to 4.25% following a meeting of the Monetary Policy Committee. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Bank rate is up from 4% to 4.25% following a meeting of the Monetary Policy Committee. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The change means an immediate impact on some borrowers and savers.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The change means an immediate impact on some borrowers and savers.”,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”How high could interest rates go?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”How high could interest rates go?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Bank rate is already at its highest level for 14 years, rising consistently in response to the soaring cost of living. There was an unexpected increase in the rate of inflation – which charts rising prices – to 10.4% in the year to February, compared with 10.1% in January.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Bank rate is already at its highest level for 14 years, rising consistently in response to the soaring cost of living. 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This would be a monthly total of {{var2}} pounds.\”,\”info_input_1\”:\”If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\”,\”info_input_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.\”,\”info_radio_interest\”:\”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.\”,\”info_radio_monthly\”:\”For those with a mortgage enter the amount you pay for per month. For those without a mortgage enter the amount you would be paying.\”,\”disclaimer_1\”:\”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. 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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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There was an unexpected increase in the rate of inflation – which charts rising prices – to 10.4% in the year to February, compared with 10.1% in January.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”There has been a series of Bank rate increases since December 2021. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”There has been a series of Bank rate increases since December 2021. “,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Line chart showing interest rates in the UK, which have steadily increased since the end of 2021, reaching 4.25% in March 2023.”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:1875,”width”:2666,”locator”:”15981/production/_129094488_optimised-uk-interest-rate-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Although there is uncertainty over the coming months, there remains a widespread belief that any rises may end by the middle of the year. The Bank will be keen not to dampen the economy, which has shown little sign of growth.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Although there is uncertainty over the coming months, there remains a widespread belief that any rises may end by the middle of the year. The Bank will be keen not to dampen the economy, which has shown little sign of growth.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Analysts expect the rate to peak at 4.5% in the summer.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Analysts expect the rate to peak at 4.5% in the summer.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”This is lower than initial predictions after the turmoil of last year’s mini-budget.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”This is lower than initial predictions after the turmoil of last year’s mini-budget.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Bank’s Monetary Policy Committee meets eight times a year to decide interest rate policy. The next decision will be announced on 11 May.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Bank’s Monetary Policy Committee “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”meets eight times a year to decide interest rate policy”,”locator”:”https://www.bbc.co.uk/news/business-50837114″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”meets eight times a year to decide interest rate policy”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”. The next decision will be announced on 11 May.”,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Why does the Bank of England change interest rates?”,”locator”:”https://www.bbc.co.uk/news/business-50837114″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Why does the Bank of England change interest rates?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”It is under pressure to put rates up because it has a target to keep inflation at 2%, but prices are currently rising at more than five times that level. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”It is under pressure to put rates up because it has a target to keep inflation at 2%, but prices are currently rising at more than five times that level. “,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”How do interest rates affect me?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”How do interest rates affect me?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Mortgages”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Mortgages”,”attributes”:[“bold”]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Just under a third of households have a mortgage, according to the government’s English Housing Survey.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Just under a third of households have a mortgage, according to “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”the government’s English Housing Survey”,”locator”:”https://www.gov.uk/government/collections/english-housing-survey”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”the government’s English Housing Survey”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”After a period of ultra-low rates, many homeowners are now facing the likelihood of much more expensive monthly repayments. The Bank of England says up to four million households face a higher monthly mortgage bill this year. An estimated 356,000 mortgage borrowers could face difficulties with repayments by July next year, according to City watchdog the Financial Conduct Authority.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”After a period of ultra-low rates, many homeowners are now facing the likelihood of much more expensive monthly repayments. The Bank of England says up to “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”four million households face a higher monthly mortgage bill this year”,”locator”:”https://www.bbc.co.uk/news/business-63961179″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”four million households face a higher monthly mortgage bill this year”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”. An estimated 356,000 mortgage borrowers could face difficulties with repayments by July next year, according to City watchdog the Financial Conduct Authority.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”When interest rates rise, more than 1.4 million people on tracker and variable rate deals usually see an immediate increase in their monthly payments. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”When interest rates rise, more than 1.4 million people on tracker and variable rate deals usually see an immediate increase in their monthly payments. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The increase in the Bank rate from 4% to 4.25% means those on a typical tracker mortgage will pay about £24 more a month. Those on standard variable rate mortgages face a £15 jump.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The increase in the Bank rate from 4% to 4.25% means those on a typical tracker mortgage will pay about £24 more a month. Those on standard variable rate mortgages face a £15 jump.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”This comes on top of increases following the previous recent rate rises. Compared with pre-December 2021, average tracker mortgage customers will be paying about £394 more a month, and variable rate mortgage holders about £251 more.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”This comes on top of increases following the previous recent rate rises. Compared with pre-December 2021, average tracker mortgage customers will be paying about £394 more a month, and variable rate mortgage holders about £251 more.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Forecasts suggest that they could start to come down again in the summer, but there remains a significant degree of uncertainty about that. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Forecasts suggest that they could start to come down again in the summer, but there remains a significant degree of uncertainty about that. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Three-quarters of mortgage customers hold a fixed-rate mortgage. 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Their monthly payments may not change immediately, but house buyers – or anyone seeking to remortgage, estimated to be 1.8 million people this year – will have to pay a lot more now than if they had taken out the same mortgage a year or more ago. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”There has been considerable upheaval in this market since September’s mini-budget, even though most of the policies that were announced have now been ditched.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”There has been considerable upheaval in this market since September’s mini-budget, even though most of the policies that were announced have now been ditched.”,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Chart showing how the average interest charged on fixed-rate mortgage deals has changed from 2.34% for a two-year deal in December 2021, to 4.74% on 23 September 2022 (the mini-budget), to a peak of 6.65% on 20 October 2022 and falling to 5.32% on 20 March 2023 – the figures for five-year deals were 2.64%, 4.75%, 6.51% and 4.97%”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:2083,”width”:2666,”locator”:”8D34/production/_129084163_fixed-rates-20mar-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”An average two-year fixed deal, which was 2.29% in November 2021, is now 5.32% – potentially a difference of hundreds of pounds each month in repayments for a typical borrower. 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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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