What is happening to house prices, and could there be a crash?

[]
What is happening to house prices, and could there be a crash? – BBC News.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”visualisation/13227115?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36685.js??v=1.0.202303311539.202303311539\”>\u003c/script>\n”}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668?responsive=true&newsapps=true&app-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cstyle>.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”story/1872317?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668.js??v=1.0.202303301243.202303301243\”>\u003c/script>\n”}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What happens when house prices fall?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens when house prices fall?”,”attributes”:[]}}]}}]}}],”level”:2,”fontScale”:”headlineSmall”,”id”:”What-happens-when-house-prices-fall”,”isFocusable”:true}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“image”:{“alt”:”Woman unpacking”,”copyright”:”Getty Images”,”height”:549,”width”:976,”src”:”https://ichef.bbci.co.uk/news/976/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg.webp 976w”,”mimeType”:”image/webp”,”fallbackSrcSets”:[{“mimeType”:”image/jpeg”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/F28F/production/_112259026_womanmovingwithboxes.jpg 976w”}]}}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”locator”:”https://www.bbc.co.uk/news/61407508″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”attributes”:[]}}]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Will house prices crash?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Will house prices crash?”,”attributes”:[]}}]}}]}}],”level”:2,”fontScale”:”headlineSmall”,”id”:”Will-house-prices-crash”,”isFocusable”:true}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), which advises the government on the health of the economy, predicted that house prices will drop by 10% over the next two years.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”which advises the government on the health of the economy”,”locator”:”https://www.bbc.co.uk/news/explainers-63159607″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”which advises the government on the health of the economy”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, predicted that house prices will drop by 10% over the next two years.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But predictions are very uncertain.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But predictions are very uncertain.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Interest rates may stabilise. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Interest rates may stabilise. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”How high could interest rates go? “,”locator”:”https://www.bbc.co.uk/news/business-57764601″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”How high could interest rates go? “,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Why are prices rising so much?”,”locator”:”https://www.bbc.co.uk/news/business-12196322″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Why are prices rising so much?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some homeowners may find their new monthly payments unaffordable, making them more likely to sell, possibly pushing prices down. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some homeowners “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”may find their new monthly payments unaffordable”,”locator”:”https://www.bbc.co.uk/news/business-64569995″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”may find their new monthly payments unaffordable”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, making them more likely to sell, possibly pushing prices down. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/newsspec/34996-mortgage-calculator/english/app?responsive=true&newsapps=true&app-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cscript>\n window.vjConfigObject = window.vjConfigObject || {};\n window.vjConfigObject[‘newsspec-34996-mortgage-calculator-app’] = {\”js\”:true,\”output\”:{\”wrapper\”:\”embed\”},\”name\”:\”newsspec-34996-mortgage-calculator\”,\”version\”:\”1.0.0\”,\”urlToOutputDir\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator\”,\”assetsPath\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/app-project-assets\”,\”includeName\”:\”app\”,\”language\”:\”english\”,\”languageCode\”:\”en\”,\”brandingVersion\”:\”3.1\”,\”brandingExtension\”:\”svg\”,\”loremText\”:[\”Lorem ipsum dolor sit amet, consectetur adipiscing elit. Integer a purus eu nisl porta aliquam. Morbi pharetra aliquet dolor a cursus. In auctor dolor a felis feugiat ultrices. Phasellus sagittis aliquet mattis. Etiam turpis neque, auctor a pulvinar a, vestibulum consequat ante. Morbi ut dui eget sapien vulputate viverra. Curabitur luctus malesuada nunc.\”,\”Nullam gravida erat ut porttitor sollicitudin. Aliquam feugiat odio rutrum arcu tincidunt vehicula. Donec nec dolor rhoncus, consectetur metus eget, consectetur enim. Duis euismod, arcu non efficitur porta, nibh eros viverra risus, ac gravida lorem ex in dui. Morbi pulvinar varius erat, quis facilisis ligula mollis vel. Nulla efficitur augue quam, ac aliquet mi ornare vitae. In ornare nisl eget tortor aliquam consectetur id nec lorem. Pellentesque massa dolor, placerat ac risus a, aliquam rhoncus nulla.\”,\”Ut et suscipit enim. Nam aliquam porttitor sapien elementum mollis. In quis turpis ante. Morbi et ex aliquam, ornare neque sit amet, porttitor est. Quisque eleifend consequat turpis. Curabitur ultrices luctus quam, et dapibus quam bibendum non. Praesent facilisis augue magna, eu volutpat nibh gravida et. Cras pulvinar, ligula vel consectetur molestie, lorem eros euismod arcu, sed condimentum leo metus efficitur ante. Duis eu diam semper, hendrerit est porta, tincidunt odio. Maecenas sagittis justo lacus, ac varius est dictum sit amet. Nam vitae turpis dignissim, tincidunt felis sit amet, dignissim sapien. Integer et iaculis ex. Sed rhoncus elit vitae massa facilisis venenatis.\”,\”Curabitur lorem ligula, aliquet id lorem ut, molestie consequat sem. Donec sit amet lacus sagittis, gravida nunc a, volutpat elit. Nullam elementum, leo sed gravida euismod, enim leo venenatis dolor, eget consequat nisi nisl vel tortor. Ut hendrerit non justo nec porttitor. Aenean et dolor laoreet augue vulputate commodo ac ut turpis. Morbi luctus lacinia felis at pellentesque. Interdum et malesuada fames ac ante ipsum primis in faucibus. Nullam tristique faucibus mauris, sed volutpat ante consequat nec. Proin fermentum vehicula tortor, sed bibendum lectus volutpat ac. Cras dignissim elit id aliquam consectetur.\”],\”metaCSP\”:\”default-src ‘none’;script-src ‘unsafe-inline’ ‘self’ *.local.bbc.co.uk:* news.files.bbci.co.uk news.test.files.bbci.co.uk assets.wearehearken.com cdn.syndication.twimg.com connect.facebook.net emp.bbci.co.uk ems.wearehearken.com modules.wearehearken.com mybbcanalytics.files.bbci.co.uk nav.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com public.flourish.studio static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk static.chartbeat.com static2.chartbeat.com www.bbc.co.uk www.instagram.com www.ons.gov.uk gnwebassets.api.bbc.com www.googleanalytics.com static.files.bbci.co.uk static.test.files.bbci.co.uk;img-src ‘self’ c.files.bbci.co.uk data: https://a1.api.bbc.co.uk i.ytimg.com ichef.bbci.co.uk logws1363.atihost.net logws1363.ati-host.net news.bbcimg.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk newsimg.bbc.co.uk pbs.twimg.com ping.chartbeat.net platform.twitter.com r.bbci.co.uk syndication.twitter.com ton.twimg.com www.googleanalytics.com static.files.bbci.co.uk;font-src gel.files.bbci.co.uk static.bbci.co.uk static.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk wsdownloads.files.bbci.co.uk;style-src ‘self’ ‘unsafe-inline’ *.local.bbc.co.uk:* cdn.riddle.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk ton.twimg.com www.riddle.com;frame-src ‘self’ *.local.bbc.co.uk:* bbc001.carto.com bbc003.carto.com bbc-maps.carto.com cdn.riddle.com chartbeat.com emp.bbc.co.uk emp.bbc.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk static.files.bbci.co.uk static.test.files.bbci.co.uk personaltaxcalculator2.deloittecloud.co.uk platform.twitter.com public.flourish.studio static2.chartbeat.com syndication.twitter.com web.facebook.com www.bbc.co.uk www.facebook.com www.instagram.com www.ons.gov.uk www.riddle.com www.youtube.com;object-src ‘none’;worker-src ‘self’ blob:;manifest-src static.files.bbci.co.uk;connect-src ‘self’ cookieoven.api.bbc.co.uk cookieoven.api.bbc.com ems.wearehearken.com https://*.local.bbc.co.uk:* https://a1.api.bbc.co.uk https://mybbc-analytics.files.bbci.co.uk idcta.api.bbc.co.uk locator-service.api.bbci.co.uk logws1363.ati-host.net logws1363.atihost.net modules.wearehearken.com mybbcanalytics.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com search.api.bbci.co.uk search.api.bbci.com static.files.bbci.co.uk static.test.files.bbci.co.uk wss://*.local.bbc.co.uk:* www.bbc.co.uk www.bbc.com www.googleanalytics.com;child-src blob:;base-uri ‘none’;form-action ‘self’ platform.twitter.com syndication.twitter.com;upgrade-insecure-requests\”,\”textDirection\”:\”ltr\”,\”serviceName\”:\”news\”,\”serviceNameNative\”:\”News\”,\”AtiSiteIdTest\”:598286,\”AtiSiteIdLive\”:598285,\”AtiSiteStringTest\”:\”news_ps_test\”,\”AtiSiteStringLive\”:\”news_ps\”,\”AtiSiteStringExtraUkTest\”:\”gnl_news_test\”,\”AtiSiteStringExtraUkLive\”:\”gnl_news\”,\”AtiProducerString\”:\”news\”,\”AtiProducerId\”:64,\”AllowsAtiDeviceTracking\”:true,\”vocab\”:{\”embed_header\”:\”How much could my mortgage go up by?\”,\”embed_no-js\”:\”A modern browser with JavaScript and a stable internet connection is required to view this interactive.\”,\”\”:\”\”,\”form_input_1\”:\”How much are you borrowing?\”,\”info_button_aria_label_1\”:\”More info on borrowing\”,\”form_format_1\”:\”£\”,\”form_default_1\”:\”150000\”,\”form_placeholder_1\”:\”150,000\”,\”form_step_1\”:\”1000\”,\”form_min_1\”:\”0\”,\”form_max_1\”:\”10000000\”,\”form_input_2\”:\”How long will you take to pay it back?\”,\”info_button_aria_label_2\”:\”More info on repayment periods\”,\”form_format_2\”:\”years\”,\”form_default_2\”:\”20\”,\”form_placeholder_2\”:\”20\”,\”form_step_2\”:\”1\”,\”form_min_2\”:\”1\”,\”form_max_2\”:\”50\”,\”form_input_begin_radio\”:\”ignore\”,\”form_radio_label\”:\”What is your current…\”,\”info_button_aria_label_3\”:\”More info on interest rates\”,\”form_radio_input_1\”:\”interest rate\”,\”form_radio_format_1\”:\”%\”,\”form_radio_default_1\”:\”2.00\”,\”form_radio_placeholder_1\”:\”2.00\”,\”form_radio_step_1\”:\”0.10\”,\”form_radio_min_1\”:\”0.50\”,\”form_radio_max_1\”:\”10.50\”,\”form_radio_input_2\”:\”monthly payment\”,\”form_radio_format_2\”:\”£\”,\”form_radio_default_2\”:\”759\”,\”form_radio_placeholder_2\”:\”759\”,\”form_radio_step_2\”:\”10\”,\”form_radio_min_2\”:\”0\”,\”form_radio_max_2\”:\”10000\”,\”form_input_3\”:\”Choose an interest rate to compare with…\”,\”form_format_3\”:\”%\”,\”form_default_3\”:\”5.00\”,\”form_placeholder_3\”:\”5.00\”,\”form_step_3\”:\”0.10\”,\”form_min_3\”:\”0.10\”,\”form_max_3\”:\”100.00\”,\”form_button–calculate\”:\”Calculate\”,\”form_button–calculate-again\”:\”Calculate again\”,\”form_label_increase\”:\”increase\”,\”form_label_decrease\”:\”decrease\”,\”form_result__compare-results\”:\”At this rate, your payments could change by…\”,\”form_result__increase\”:\”monthly change\”,\”form_result__to\”:\”to\”,\”form_result__total\”:\”monthly total\”,\”form_result__monthly-estimate–repayment\”:\”We estimate your monthly repayments are £{{estimates-value}}.\”,\”form_result__monthly-estimate–interest\”:\”We estimate your interest rate is {{estimates-value}}%.\”,\”form_result__calculation-error\”:\”The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\”,\”form_result__offscreen\”:\”At this rate, your monthly payments could change by {{var1}} pounds. 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. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\”,\”disclaimer_2\”:\”Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\”},\”outputs\”:[{\”wrapper\”:\”embed\”},{\”wrapper\”:\”core\”},{\”wrapper\”:\”envelope\”},{\”wrapper\”:\”amp\”},{\”wrapper\”:\”news-app\”},{\”wrapper\”:\”syndication\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click here to see the BBC interactive\”},{\”wrapper\”:\”facebook\”,\”height\”:960,\”withMargins\”:\”yes\”},{\”wrapper\”:\”applenews\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click or tap here to see interactive content\”}],\”usesAppJs\”:true,\”autoFixLintingErrors\”:false,\”polyfill\”:false,\”dynamicImports\”:true,\”dynamicPolyfills\”:[\”core-js/modules/es.promise\”,\”core-js/modules/es.array.iterator\”,\”core-js/modules/es.array.filter\”,\”core-js/modules/es.array.from\”,\”core-js/modules/es.array.map\”,\”core-js/modules/es.array.reduce\”,\”core-js/modules/es.object.assign\”,\”core-js/modules/es.object.entries\”,\”core-js/modules/es.object.from-entries\”,\”core-js/modules/es.object.keys\”,\”core-js/modules/es.object.values\”],\”reactProject\”:false,\”failFast\”:false,\”includePath\”:{\”responsive\”:true,\”newsapps\”:true,\”app-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-clickable\”:true,\”amp-clickable\”:true,\”amp-image-height\”:360,\”amp-image-width\”:640,\”amp-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-image-alt-text\”:\”Click or tap here to see interactive content\”},\”languages\”:[\”english\”],\”destinationSection\”:{\”english\”:\”uk\”},\”uncompressedAppBudget\”:\”(1024 * 1000) * 0.5\”,\”meta\”:{\”title\”:{\”english\”:\”\”},\”images\”:[{\”thumbnail\”:\”\”}],\”hasBeenDeployed\”:false,\”publication_date\”:null,\”publication_date_iso\”:null,\”last_modified\”:null,\”last_modified_iso\”:null,\”data_last_modified\”:null,\”data_last_modified_iso\”:null,\”keywords\”:[\”vj\”,\”visual-journalism\”,\”visualjournalism\”,\”visual journalism\”],\”locations\”:{\”regions\”:[]}},\”defaultPort\”:1031,\”usedPort\”:1031,\”generateForMozart\”:true,\”hasGithubRepo\”:true,\”bespokeOrbitCacheTTL\”:false,\”shouldAllowDeviceTracking\”:true,\”shadowDom\”:true,\”generator\”:\”basic-project\”,\”projectNamespace\”:\”newsspec-34996-mortgage-calculator\”,\”generatorVersion\”:\”10.1.4\”,\”projectName\”:\”newsspec-34996-mortgage-calculator\”,\”outputDir\”:\”include/newsspec/34996-mortgage-calculator\”,\”optimiseImagesOnEveryBuild\”:false,\”includes\”:{\”app\”:{\”uuid\”:\”8236f762-98ef-4d6c-8a5f-b612687454f8\”}},\”pathToWrapperAssets\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed\”,\”pathToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”,\”pathToWrapperAssetsToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”};\n\u003c/script>\n\u003clink rel=\”stylesheet\” href=\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/css/inline.css??v=1.0.0.202303221650\”>\n\u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app\” class=\”bbc-news-vj-embed-wrapper\”>\n \u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\”>\n \u003cnoscript>\n \u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\u003c/p>\n \u003c/noscript>\n \u003cdiv class=\”mortgage-calc__content-container\” style=\”display:none;\”>\n \u003ch2 id=\”lookup-header\”>How much could my mortgage go up by?\u003c/h2>\n \u003cform id=\”mortgage-calc\” class=\”width-restrict\” aria-label=\”How much could my mortgage go up by?\”>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_1\”>How much are you borrowing?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-1\” aria-label=\”More info on borrowing\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-1\”>\n \u003cdiv class=\”info-box__text info-button-1\”>If you have an existing mortgage enter the outstanding balance left to pay. 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=\”5.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”5.00\”\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. For exact figures, users will need to approach an official mortgage lender.\u003c/p>\n \u003cp class=\”disclaimer-para\”>Interest rates fluctuate based on the Bank of England's base rate and market conditions.\u003c/p>\n \u003c/div>\u003c/div>\n \u003c/div>\n\u003c/div>\n\u003cstyle id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-inline-css\”>\n @-moz-keyframes gel-spin{0%{-moz-transform:rotate(0deg)}100%{-moz-transform:rotate(360deg)}}@-webkit-keyframes gel-spin{0%{-webkit-transform:rotate(0deg)}100%{-webkit-transform:rotate(360deg)}}@-ms-keyframes gel-spin{0%{-ms-transform:rotate(0deg)}100%{-ms-transform:rotate(360deg)}}@keyframes gel-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.bbc-news-visual-journalism-loading-spinner{display:block;margin:8px auto;width:32px;height:32px;max-width:32px;fill:#323232;-webkit-animation-name:gel-spin;-webkit-animation-duration:1s;-webkit-animation-iteration-count:infinite;-webkit-animation-timing-function:linear;-moz-animation-name:gel-spin;-moz-animation-duration:1s;-moz-animation-iteration-count:infinite;-moz-animation-timing-function:linear;animation-name:gel-spin;animation-duration:1s;animation-iteration-count:infinite;animation-timing-function:linear}\n@font-face{font-display:swap;font-family:\”ReithSans\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff\”) format(\”woff\”)}\n\n\u003c/style>\n\n\u003cscript>\n (function(){\n\nfunction cutsTheMustard() {\n return (\n document.implementation.hasFeature(‘http://www.w3.org/TR/SVG11/feature#BasicStructure’, ‘1.1’) &&\n ‘querySelector’ in document &&\n ‘localStorage’ in window &&\n ‘addEventListener’ in window &&\n ‘MutationObserver’ in window // not supported in IE9 & IE10\n );\n}\n\n if (cutsTheMustard()) {\n function initEmbed() {\n require([‘https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/js/embed-init.js??v=1.0.0.202303221650’], function (initFullFatApplication) {\n initFullFatApplication(vjConfigObject[‘newsspec-34996-mortgage-calculator-app’]);\n });\n }\n\n if (typeof require === ‘undefined’) {\n var headTag = document.getElementsByTagName(‘head’)[0],\n requireTag = document.createElement(‘script’);\n requireTag.type = ‘text/javascript’;\n requireTag.src = ‘https://news.files.bbci.co.uk/include/vjassets/js/vendor/require-2.1.20b.min.js’;\n requireTag.onload = initEmbed;\n headTag.appendChild(requireTag);\n } else {\n initEmbed();\n }\n\n }\n else if (window.require) {\n require([‘istats-1’], function (istats) {\n istats.log(‘browser does not cut the mustard’, ‘newsspec-nonuser’);\n });\n } })();\n\u003c/script>\n”}},{“type”:”image”,”model”:{“image”:{“alt”:”line”,”copyright”:null,”height”:2,”width”:464,”src”:”https://ichef.bbci.co.uk/news/464/cpsprodpb/310C/production/_113665521_line976.jpg”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/310C/production/_113665521_line976.jpg.webp 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/310C/production/_113665521_line976.jpg.webp 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/310C/production/_113665521_line976.jpg.webp 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/310C/production/_113665521_line976.jpg.webp 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/310C/production/_113665521_line976.jpg.webp 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/310C/production/_113665521_line976.jpg.webp 976w”,”mimeType”:”image/webp”,”fallbackSrcSets”:[{“mimeType”:”image/jpeg”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/310C/production/_113665521_line976.jpg 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/310C/production/_113665521_line976.jpg 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/310C/production/_113665521_line976.jpg 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/310C/production/_113665521_line976.jpg 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/310C/production/_113665521_line976.jpg 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/310C/production/_113665521_line976.jpg 976w”}]}}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”attributes”:[]}}]}}]}}],”level”:2,”fontScale”:”headlineSmall”,”id”:”Are-people-struggling-to-pay-their-mortgage”,”isFocusable”:true}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially \”financially stretching\” mortgages in London and the South East than in the rest of the country.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”\”financially stretching\” mortgages”,”locator”:”https://www.fca.org.uk/publication/research-notes/research-note-mortgage-borrowers-macroeconomic-developments.pdf”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”\”financially stretching\” mortgages”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:” in London and the South East than in the rest of the country.”,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“image”:{“alt”:”A map of local authority areas in the UK showing the estimated percentage of households by June 2024 that will be paying more than 30% of total income on a mortgage. It ranges from about 2% in Scotland and much of the north of England and getting higher the further south you go. The average is 6% and the highest areas are in London and the South East with a few reaching 8%.”,”copyright”:null,”height”:1379.2,”width”:1024,”src”:”https://ichef.bbci.co.uk/news/1024/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png.webp 976w”,”mimeType”:”image/webp”,”fallbackSrcSets”:[{“mimeType”:”image/png”,”srcSet”:”https://ichef.bbci.co.uk/news/240/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 240w, https://ichef.bbci.co.uk/news/320/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 320w, https://ichef.bbci.co.uk/news/480/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 480w, https://ichef.bbci.co.uk/news/624/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 624w, https://ichef.bbci.co.uk/news/800/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 800w, https://ichef.bbci.co.uk/news/976/cpsprodpb/E491/production/_129231585_financially_stretched-2x-nc.png 976w”}]}}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”locator”:”https://www.bbc.co.uk/news/business-63486782″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”And these factors can all change significantly. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”And these factors can all change significantly. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”attributes”:[“italic”]}}]}}]}},{“type”:”topicList”,”model”:{“topics”:[{“title”:”Personal finance”,”url”:”/news/topics/c8nq32jw8vjt”,”isEvent”:false},{“title”:”Housing market”,”url”:”/news/topics/cdl8n2edgj5t”,”isEvent”:false},{“title”:”Cost of living”,”url”:”/news/topics/cljev4jz3pjt”,”isEvent”:false},{“title”:”UK economy”,”url”:”/news/topics/clm1wxp5378t”,”isEvent”:false},{“title”:”Mortgages”,”url”:”/news/topics/cpzp21mjmggt”,”isEvent”:false}]}}]}},”contributor”:{“title”:”By Robert Cuffe & Christine Jeavans”,”subtitle”:”BBC Data Journalism Team”},”relatedUrls”:[],”topics”:[{“title”:”Personal finance”,”url”:”/news/topics/c8nq32jw8vjt”,”isEvent”:false},{“title”:”Housing market”,”url”:”/news/topics/cdl8n2edgj5t”,”isEvent”:false},{“title”:”Cost of living”,”url”:”/news/topics/cljev4jz3pjt”,”isEvent”:false},{“title”:”UK economy”,”url”:”/news/topics/clm1wxp5378t”,”isEvent”:false},{“title”:”Mortgages”,”url”:”/news/topics/cpzp21mjmggt”,”isEvent”:false}]},”importance”:”PRIMARY”,”isPersonalised”:false,”hasFetcher”:true},”onward-journeys?analyticsDataSource=CPS&columnsByBreakpoint=%7B%22base%22%3A1%2C%22medium%22%3A3%2C%22large%22%3A1%7D&country=gb&dataType=onwardJourneys&enableDotcomAds=false&id=topStories&isAside=false&isUk=true&language=en-GB&limit=3&promoSize=small&region=domestic&sectionHeader=%7B%22text%22%3A%22Top%20Stories%22%7D&service=news&showTimestamp=true”:{“name”:”onward-journeys”,”props”:{“analyticsDataSource”:”CPS”,”columnsByBreakpoint”:{“base”:1,”medium”:3,”large”:1},”dataType”:”onwardJourneys”,”isUk”:true,”id”:”topStories”,”isAside”:false,”limit”:3,”promoSize”:”small”,”region”:”domestic”,”sectionHeader”:{“text”:”Top Stories”},”service”:”news”,”showTimestamp”:true,”enableDotcomAds”:false,”country”:”gb”,”language”:”en-GB”},”data”:{“promos”:[{“headline”:”Extra night ferries laid on to clear Dover backlog”,”tracking”:{“container”:”cps_topStories”,”label”:”Extra night ferries laid on to clear Dover backlog”,”url”:”/news/uk-65151700″,”source”:”news”,”metadata”:{“PAR”:”cps_topStories::1″,”CHD”:”promo::1″,”EXT”:0},”group”:{“name”:”CPS Top Stories”,”type”:”promo group”,”item_count”:3},”item”:{“type”:”promo”,”link”:”/news/uk-65151700″,”text”:”Extra night ferries laid on to clear Dover backlog”,”media_type”:”article”,”attribution”:”news”,”position”:1}},”metadataStripItems”:[{“label”:”Published”,”text”:”41 minutes ago”}],”url”:”/news/uk-65151700″,”service”:”news”},{“headline”:”Iranian women arrested after yoghurt hurled at them”,”tracking”:{“container”:”cps_topStories”,”label”:”Iranian women arrested after yoghurt hurled at them”,”url”:”/news/world-middle-east-65150135″,”source”:”news”,”metadata”:{“PAR”:”cps_topStories::1″,”CHD”:”promo::2″,”EXT”:0},”group”:{“name”:”CPS Top Stories”,”type”:”promo group”,”item_count”:3},”item”:{“type”:”promo”,”link”:”/news/world-middle-east-65150135″,”text”:”Iranian women arrested after yoghurt hurled at them”,”media_type”:”article”,”attribution”:”news”,”position”:2}},”metadataStripItems”:[{“label”:”Published”,”text”:”4 hours ago”}],”url”:”/news/world-middle-east-65150135″,”service”:”news”},{“headline”:”Fury as Russia becomes UN Security Council president”,”tracking”:{“container”:”cps_topStories”,”label”:”Fury as Russia becomes UN Security Council president”,”url”:”/news/world-europe-65146557″,”source”:”news”,”metadata”:{“PAR”:”cps_topStories::1″,”CHD”:”promo::3″,”EXT”:0},”group”:{“name”:”CPS Top Stories”,”type”:”promo group”,”item_count”:3},”item”:{“type”:”promo”,”link”:”/news/world-europe-65146557″,”text”:”Fury as Russia becomes UN Security Council president”,”media_type”:”article”,”attribution”:”news”,”position”:3}},”metadataStripItems”:[{“label”:”Published”,”text”:”4 hours ago”}],”url”:”/news/world-europe-65146557″,”service”:”news”}],”sectionHeader”:”Top Stories”},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”onward-journeys?analyticsDataSource=CPS&columnsByBreakpoint=%7B%22base%22%3A2%2C%22medium%22%3A3%2C%22large%22%3A1%7D&country=gb&dataType=onwardJourneys&enableDotcomAds=false&id=features&insertAdSlotAtIndex=3&isAside=false&isUk=true&language=en-GB&limit=9&region=domestic&section=%2Fnews%2Fbusiness&sectionHeader=%7B%22text%22%3A%22Features%22%7D&service=news&showImage=true&showLoadingState=false”:{“name”:”onward-journeys”,”props”:{“analyticsDataSource”:”CPS”,”columnsByBreakpoint”:{“base”:2,”medium”:3,”large”:1},”dataType”:”onwardJourneys”,”isUk”:true,”id”:”features”,”insertAdSlotAtIndex”:3,”isAside”:false,”limit”:9,”region”:”domestic”,”section”:”/news/business”,”sectionHeader”:{“text”:”Features”},”service”:”news”,”showImage”:true,”showLoadingState”:false,”enableDotcomAds”:false,”country”:”gb”,”language”:”en-GB”},”data”:{“promos”:[{“headline”:”‘One of Scotland’s greatest in any age & any sport'”,”image”:{“alt”:”Ken Buchanan”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/14F5E/production/_129245858_1538487-1.jpg”},”tracking”:{“container”:”cps_features”,”label”:”‘One of Scotland’s greatest in any age & any sport'”,”url”:”/sport/boxing/65148580″,”source”:”sport”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::1″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/sport/boxing/65148580″,”text”:”‘One of Scotland’s greatest in any age & any sport'”,”media_type”:”article”,”attribution”:”sport”,”position”:1}},”metadataStripItems”:[{“iconType”:”service-identifiers:sport”,”text”:”Sport”,”url”:”https://www.bbc.co.uk/sport”,”type”:”attribution”,”label”:”Attribution”}],”url”:”/sport/boxing/65148580″,”service”:”sport”},{“headline”:”Stars give historic theatre emotional final act”,”image”:{“alt”:”A crowd of performers gathered on the Oldham Coliseum stage in various costumes as the crowd applaud”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/81F0/production/_129246233_coliseum_final_show-310323-182_2.jpg”},”tracking”:{“container”:”cps_features”,”label”:”Stars give historic theatre emotional final act”,”url”:”/news/entertainment-arts-65009843″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::2″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/entertainment-arts-65009843″,”text”:”Stars give historic theatre emotional final act”,”media_type”:”article”,”attribution”:”news”,”position”:2}},”metadataStripItems”:[],”url”:”/news/entertainment-arts-65009843″,”service”:”news”},{“headline”:”In the room for Harry’s court battle with Mail owner”,”image”:{“alt”:”Prince Harry arrives at the High Court in London”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/10F57/production/_129236496_f0fae17e76dfe815bc7e622f46091c18a9b112880_73_3333_18751000x563.jpg”},”tracking”:{“container”:”cps_features”,”label”:”In the room for Harry’s court battle with Mail owner”,”url”:”/news/uk-65139280″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::3″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/uk-65139280″,”text”:”In the room for Harry’s court battle with Mail owner”,”media_type”:”article”,”attribution”:”news”,”position”:3}},”metadataStripItems”:[],”url”:”/news/uk-65139280″,”service”:”news”},{“headline”:”BBC to help Afghan children who can’t go to school”,”image”:{“alt”:”Shazia Haya in studio”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/4BC1/production/_129239391_mediaitem129232700.jpg”},”tracking”:{“container”:”cps_features”,”label”:”BBC to help Afghan children who can’t go to school”,”url”:”https://www.bbc.co.uk/news/world-asia-65130305″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::4″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”https://www.bbc.co.uk/news/world-asia-65130305″,”text”:”BBC to help Afghan children who can’t go to school”,”media_type”:”link”,”attribution”:”news”,”position”:4}},”metadataStripItems”:[],”url”:”https://www.bbc.co.uk/news/world-asia-65130305″,”service”:”news”},{“headline”:”Increases in household bills kick in for millions”,”image”:{“alt”:”Couple looking at a bill”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/17FB/production/_128193160_bills-gettyimages-1390654891.jpg”},”tracking”:{“container”:”cps_features”,”label”:”Increases in household bills kick in for millions”,”url”:”/news/business-65123881″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::5″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/business-65123881″,”text”:”Increases in household bills kick in for millions”,”media_type”:”article”,”attribution”:”news”,”position”:5}},”metadataStripItems”:[],”url”:”/news/business-65123881″,”service”:”news”},{“headline”:”Asylum seekers wait on a cruise ship going nowhere”,”image”:{“alt”:”Salher”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/2AD3/production/_129236901_dsc02397.jpg”},”tracking”:{“container”:”cps_features”,”label”:”Asylum seekers wait on a cruise ship going nowhere”,”url”:”/news/world-europe-65137156″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::6″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/world-europe-65137156″,”text”:”Asylum seekers wait on a cruise ship going nowhere”,”media_type”:”article”,”attribution”:”news”,”position”:6}},”metadataStripItems”:[],”url”:”/news/world-europe-65137156″,”service”:”news”},{“headline”:”The intercontinental ATM heist that netted $14m in two hours”,”image”:{“alt”:”man takes money out of cash machine”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/76A5/production/_129237303_976xgettyimages-1241034276.jpg”},”tracking”:{“container”:”cps_features”,”label”:”The intercontinental ATM heist that netted $14m in two hours”,”url”:”/news/world-65130220″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::7″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/world-65130220″,”text”:”The intercontinental ATM heist that netted $14m in two hours”,”media_type”:”article”,”attribution”:”news”,”position”:7}},”metadataStripItems”:[],”url”:”/news/world-65130220″,”service”:”news”},{“headline”:”A film premiere, royals and a meatball: Photos of the week”,”image”:{“alt”:”Cast member Jodie Turner-Smith attends the premiere for the film Murder Mystery 2 in Los Angeles, California, USA”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/085F/production/_129234120_04.jpg”},”tracking”:{“container”:”cps_features”,”label”:”A film premiere, royals and a meatball: Photos of the week”,”url”:”/news/in-pictures-65136303″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::8″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/in-pictures-65136303″,”text”:”A film premiere, royals and a meatball: Photos of the week”,”media_type”:”article”,”attribution”:”news”,”position”:8}},”metadataStripItems”:[],”url”:”/news/in-pictures-65136303″,”service”:”news”},{“headline”:”Lower cost HRT prescriptions in England from April”,”image”:{“alt”:”Close up of HRT pills”,”height”:216,”width”:385,”src”:”https://ichef.bbci.co.uk/news/385/cpsprodpb/09DA/production/_126622520_hrt_promo_imagery_03.png”},”tracking”:{“container”:”cps_features”,”label”:”Lower cost HRT prescriptions in England from April”,”url”:”/news/health-62336456″,”source”:”news”,”metadata”:{“PAR”:”cps_features::1″,”CHD”:”promo::9″,”EXT”:0},”group”:{“name”:”CPS Features”,”type”:”promo group”,”item_count”:9},”item”:{“type”:”promo”,”link”:”/news/health-62336456″,”text”:”Lower cost HRT prescriptions in England from April”,”media_type”:”article”,”attribution”:”news”,”position”:9}},”metadataStripItems”:[],”url”:”/news/health-62336456″,”service”:”news”}],”sectionHeader”:”Features”},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”onward-journeys?analyticsDataSource=CPS&columnsByBreakpoint=%7B%22base%22%3A2%2C%22medium%22%3A3%2C%22large%22%3A1%7D&country=gb&dataType=contentSummaries&enableDotcomAds=false&id=elsewhere&isAside=false&isUk=true&language=en-GB&limit=4&region=domestic&sectionHeader=%7B%22text%22%3A%22Elsewhere%20on%20the%20BBC%22%7D&service=news&showDescription=true&showImage=true&showLoadingState=false&urn=urn%3Abbc%3Acps%3Acurie%3Aasset%3A570eca56-3b79-40a7-9a87-3c44abaaa4c5″:{“name”:”onward-journeys”,”props”:{“analyticsDataSource”:”CPS”,”columnsByBreakpoint”:{“base”:2,”medium”:3,”large”:1},”dataType”:”contentSummaries”,”isUk”:true,”id”:”elsewhere”,”isAside”:false,”limit”:4,”region”:”domestic”,”sectionHeader”:{“text”:”Elsewhere on the BBC”},”service”:”news”,”showDescription”:true,”showImage”:true,”showLoadingState”:false,”urn”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″,”enableDotcomAds”:false,”country”:”gb”,”language”:”en-GB”},”data”:{“promos”:[{“description”:”An undercover investigation on tea producing plantations find shocking conditions”,”headline”:”What is the true cost of our cup of tea?”,”image”:{“alt”:”Panorama Sex For Work The True Cost of Our Tea”,”src”:”https://ichef.bbci.co.uk/ace/standard/480/cpsprodpb/11B79/production/_128796527_panoramasexforworkthetruecostofourtea.jpg”,”height”:216,”width”:385},”isLive”:false,”metadataStripItems”:[{“iconType”:”service-identifiers:iplayer”,”text”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”type”:”attribution”,”label”:”Attribution”}],”tracking”:{“container”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″,”label”:”What is the true cost of our cup of tea?”,”url”:”https://www.bbc.co.uk/iplayer/episode/m001jfn7/panorama-sex-for-work-the-true-cost-of-our-tea?at_mid=qwpxxGzWBS&at_medium=display_ad&at_campaign=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_product=iplayer&at_brand=b006t14n&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_bbc_team=BBC”,”source”:”iplayer”,”metadata”:{“PAR”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5::1″,”CHD”:”promo::1″,”EXT”:0},”group”:{“name”:”CPS Elsewhere on the BBC”,”type”:”promo group”,”item_count”:4,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″},”item”:{“type”:”promo”,”link”:”https://www.bbc.co.uk/iplayer/episode/m001jfn7/panorama-sex-for-work-the-true-cost-of-our-tea?at_mid=qwpxxGzWBS&at_medium=display_ad&at_campaign=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_product=iplayer&at_brand=b006t14n&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_bbc_team=BBC”,”text”:”What is the true cost of our cup of tea?”,”media_type”:”link”,”attribution”:”iplayer”,”position”:1,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5:1″}},”url”:”https://www.bbc.co.uk/iplayer/episode/m001jfn7/panorama-sex-for-work-the-true-cost-of-our-tea?at_mid=qwpxxGzWBS&at_medium=display_ad&at_campaign=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_product=iplayer&at_brand=b006t14n&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Panorama_Sex_For_Work_The_True_Cost_Of_Our_Tea&at_bbc_team=BBC”,”service”:”iplayer”},{“description”:”The meteoric rise and dizzying fall of tycoon Arif Naqvi”,”headline”:”The man facing 291 years in jail”,”image”:{“alt”:”Arif Naqvi wearing a suit in front of a graphic of a city skyline”,”src”:”https://ichef.bbci.co.uk/ace/standard/480/cpsprodpb/61D5/production/_128654052_billiondollardownfall.jpg”,”height”:216,”width”:385},”isLive”:false,”metadataStripItems”:[{“iconType”:”service-identifiers:iplayer”,”text”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”type”:”attribution”,”label”:”Attribution”}],”tracking”:{“container”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″,”label”:”The man facing 291 years in jail”,”url”:”https://www.bbc.co.uk/iplayer/episode/m001h1nd/billion-dollar-downfall-the-dealmaker?at_mid=wkjGiLOncj&at_medium=display_ad&at_campaign=Billion_Dollar_Downfall_The_Dealmaker&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Billion_Dollar_Downfall_The_Dealmaker&at_bbc_team=BBC”,”source”:”iplayer”,”metadata”:{“PAR”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5::1″,”CHD”:”promo::2″,”EXT”:0},”group”:{“name”:”CPS Elsewhere on the BBC”,”type”:”promo group”,”item_count”:4,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″},”item”:{“type”:”promo”,”link”:”https://www.bbc.co.uk/iplayer/episode/m001h1nd/billion-dollar-downfall-the-dealmaker?at_mid=wkjGiLOncj&at_medium=display_ad&at_campaign=Billion_Dollar_Downfall_The_Dealmaker&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Billion_Dollar_Downfall_The_Dealmaker&at_bbc_team=BBC”,”text”:”The man facing 291 years in jail”,”media_type”:”link”,”attribution”:”iplayer”,”position”:2,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5:2″}},”url”:”https://www.bbc.co.uk/iplayer/episode/m001h1nd/billion-dollar-downfall-the-dealmaker?at_mid=wkjGiLOncj&at_medium=display_ad&at_campaign=Billion_Dollar_Downfall_The_Dealmaker&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=Billion_Dollar_Downfall_The_Dealmaker&at_bbc_team=BBC”,”service”:”iplayer”},{“description”:”The story of the decade-long clashes between Western leaders and Russia’s President Vladimir Putin”,”headline”:”The story of the fraught phone calls”,”image”:{“alt”:”Putin”,”src”:”https://ichef.bbci.co.uk/ace/standard/480/cpsprodpb/7BF1/production/_129092713_putinvsthewest.jpg”,”height”:216,”width”:385},”isLive”:false,”metadataStripItems”:[{“iconType”:”service-identifiers:iplayer”,”text”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”type”:”attribution”,”label”:”Attribution”}],”tracking”:{“container”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″,”label”:”The story of the fraught phone calls”,”url”:”https://www.bbc.co.uk/iplayer/episode/p0dlz7tz/putin-vs-the-west-series-1-1-my-backyard?at_mid=39NKPUcaB2&at_medium=display_ad&at_campaign=Putin_VS_The_West_Series_1_Episode_1&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_link_id=pnc&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_format=image&at_link_title=Putin_VS_The_West_Series_1_Episode_1&at_bbc_team=BBC”,”source”:”iplayer”,”metadata”:{“PAR”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5::1″,”CHD”:”promo::3″,”EXT”:0},”group”:{“name”:”CPS Elsewhere on the BBC”,”type”:”promo group”,”item_count”:4,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″},”item”:{“type”:”promo”,”link”:”https://www.bbc.co.uk/iplayer/episode/p0dlz7tz/putin-vs-the-west-series-1-1-my-backyard?at_mid=39NKPUcaB2&at_medium=display_ad&at_campaign=Putin_VS_The_West_Series_1_Episode_1&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_link_id=pnc&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_format=image&at_link_title=Putin_VS_The_West_Series_1_Episode_1&at_bbc_team=BBC”,”text”:”The story of the fraught phone calls”,”media_type”:”link”,”attribution”:”iplayer”,”position”:3,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5:3″}},”url”:”https://www.bbc.co.uk/iplayer/episode/p0dlz7tz/putin-vs-the-west-series-1-1-my-backyard?at_mid=39NKPUcaB2&at_medium=display_ad&at_campaign=Putin_VS_The_West_Series_1_Episode_1&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_link_id=pnc&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_format=image&at_link_title=Putin_VS_The_West_Series_1_Episode_1&at_bbc_team=BBC”,”service”:”iplayer”},{“description”:”Meet the people behind McLaren’s latest model”,”headline”:”Inside the factory where supercars are made”,”image”:{“alt”:”We Are England”,”src”:”https://ichef.bbci.co.uk/ace/standard/480/cpsprodpb/68D3/production/_128653862_weareengland.jpg”,”height”:216,”width”:385},”isLive”:false,”metadataStripItems”:[{“iconType”:”service-identifiers:iplayer”,”text”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”type”:”attribution”,”label”:”Attribution”}],”tracking”:{“container”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″,”label”:”Inside the factory where supercars are made”,”url”:”https://www.bbc.co.uk/iplayer/episode/m001f272/we-are-england-made-in-england-we-make-supercars?at_mid=YaHdVdJlFq&at_medium=display_ad&at_campaign=We_Are_England_Made_In_England_We_Make_Supercars&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=We_Are_England_Made_In_England_We_Make_Supercars&at_bbc_team=BBC”,”source”:”iplayer”,”metadata”:{“PAR”:”cps_elsewhere_urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5::1″,”CHD”:”promo::4″,”EXT”:0},”group”:{“name”:”CPS Elsewhere on the BBC”,”type”:”promo group”,”item_count”:4,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″},”item”:{“type”:”promo”,”link”:”https://www.bbc.co.uk/iplayer/episode/m001f272/we-are-england-made-in-england-we-make-supercars?at_mid=YaHdVdJlFq&at_medium=display_ad&at_campaign=We_Are_England_Made_In_England_We_Make_Supercars&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=We_Are_England_Made_In_England_We_Make_Supercars&at_bbc_team=BBC”,”text”:”Inside the factory where supercars are made”,”media_type”:”link”,”attribution”:”iplayer”,”position”:4,”resource_id”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5:4″}},”url”:”https://www.bbc.co.uk/iplayer/episode/m001f272/we-are-england-made-in-england-we-make-supercars?at_mid=YaHdVdJlFq&at_medium=display_ad&at_campaign=We_Are_England_Made_In_England_We_Make_Supercars&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=promo_box&at_link_id=pnc&at_format=image&at_link_title=We_Are_England_Made_In_England_We_Make_Supercars&at_bbc_team=BBC”,”service”:”iplayer”}],”sectionHeader”:”Elsewhere on the BBC”},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”onward-journeys?analyticsDataSource=CPS&columnsByBreakpoint=%7B%22medium%22%3A2%2C%22large%22%3A1%7D&dataType=onwardJourneys&edition=uk&enableDotcomAds=false&expiresInMs=3600000&id=mostRead&isAside=false&isRanking=true&isUk=true&language=en-GB&sectionHeader=%7B%22text%22%3A%22Most%20Read%22%7D&service=news”:{“name”:”onward-journeys”,”props”:{“analyticsDataSource”:”CPS”,”columnsByBreakpoint”:{“medium”:2,”large”:1},”dataType”:”onwardJourneys”,”edition”:”uk”,”expiresInMs”:3600000,”isUk”:true,”id”:”mostRead”,”isAside”:false,”isRanking”:true,”sectionHeader”:{“text”:”Most Read”},”service”:”news”,”enableDotcomAds”:false,”language”:”en-GB”},”data”:{“promos”:[{“headline”:”Iranian women arrested after yoghurt hurled at them”,”tracking”:{“container”:”cps_mostRead”,”label”:”Iranian women arrested after yoghurt hurled at them”,”url”:”/news/world-middle-east-65150135″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::1″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/world-middle-east-65150135″,”text”:”Iranian women arrested after yoghurt hurled at them”,”media_type”:”article”,”attribution”:”news”,”position”:1}},”metadataStripItems”:[],”rank”:1,”url”:”/news/world-middle-east-65150135″,”service”:”news”},{“headline”:”Donations since O’Grady’s death overwhelm charity”,”tracking”:{“container”:”cps_mostRead”,”label”:”Donations since O’Grady’s death overwhelm charity”,”url”:”/news/uk-england-london-65147502″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::2″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/uk-england-london-65147502″,”text”:”Donations since O’Grady’s death overwhelm charity”,”media_type”:”article”,”attribution”:”news”,”position”:2}},”metadataStripItems”:[],”rank”:2,”url”:”/news/uk-england-london-65147502″,”service”:”news”},{“headline”:”Glitch sees airline sell man’s return ticket”,”tracking”:{“container”:”cps_mostRead”,”label”:”Glitch sees airline sell man’s return ticket”,”url”:”/news/uk-wales-65091823″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::3″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/uk-wales-65091823″,”text”:”Glitch sees airline sell man’s return ticket”,”media_type”:”article”,”attribution”:”news”,”position”:3}},”metadataStripItems”:[],”rank”:3,”url”:”/news/uk-wales-65091823″,”service”:”news”},{“headline”:”Extra night ferries laid on to clear Dover backlog”,”tracking”:{“container”:”cps_mostRead”,”label”:”Extra night ferries laid on to clear Dover backlog”,”url”:”/news/uk-65151700″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::4″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/uk-65151700″,”text”:”Extra night ferries laid on to clear Dover backlog”,”media_type”:”article”,”attribution”:”news”,”position”:4}},”metadataStripItems”:[],”rank”:4,”url”:”/news/uk-65151700″,”service”:”news”},{“headline”:”Fury as Russia becomes UN Security Council president”,”tracking”:{“container”:”cps_mostRead”,”label”:”Fury as Russia becomes UN Security Council president”,”url”:”/news/world-europe-65146557″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::5″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/world-europe-65146557″,”text”:”Fury as Russia becomes UN Security Council president”,”media_type”:”article”,”attribution”:”news”,”position”:5}},”metadataStripItems”:[],”rank”:5,”url”:”/news/world-europe-65146557″,”service”:”news”},{“headline”:”Novice boxer injured in charity match dies”,”tracking”:{“container”:”cps_mostRead”,”label”:”Novice boxer injured in charity match dies”,”url”:”/news/uk-england-nottinghamshire-65147562″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::6″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/uk-england-nottinghamshire-65147562″,”text”:”Novice boxer injured in charity match dies”,”media_type”:”article”,”attribution”:”news”,”position”:6}},”metadataStripItems”:[],”rank”:6,”url”:”/news/uk-england-nottinghamshire-65147562″,”service”:”news”},{“headline”:”Deepest ever fish caught on camera off Japan”,”tracking”:{“container”:”cps_mostRead”,”label”:”Deepest ever fish caught on camera off Japan”,”url”:”/news/science-environment-65148876″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::7″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/science-environment-65148876″,”text”:”Deepest ever fish caught on camera off Japan”,”media_type”:”article”,”attribution”:”news”,”position”:7}},”metadataStripItems”:[],”rank”:7,”url”:”/news/science-environment-65148876″,”service”:”news”},{“headline”:”Is it really time to shut down AI?”,”tracking”:{“container”:”cps_mostRead”,”label”:”Is it really time to shut down AI?”,”url”:”/news/uk-65147841″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::8″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/uk-65147841″,”text”:”Is it really time to shut down AI?”,”media_type”:”article”,”attribution”:”news”,”position”:8}},”metadataStripItems”:[],”rank”:8,”url”:”/news/uk-65147841″,”service”:”news”},{“headline”:”‘The King of the Garden’ Buchanan dies aged 77″,”tracking”:{“container”:”cps_mostRead”,”label”:”‘The King of the Garden’ Buchanan dies aged 77″,”url”:”/sport/boxing/65149207″,”source”:”sport”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::9″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/sport/boxing/65149207″,”text”:”‘The King of the Garden’ Buchanan dies aged 77″,”media_type”:”article”,”attribution”:”sport”,”position”:9}},”metadataStripItems”:[{“iconType”:”service-identifiers:sport”,”text”:”Sport”,”url”:”https://www.bbc.co.uk/sport”,”type”:”attribution”,”label”:”Attribution”}],”rank”:9,”url”:”/sport/boxing/65149207″,”service”:”sport”},{“headline”:”The intercontinental ATM heist that netted $14m in two hours”,”tracking”:{“container”:”cps_mostRead”,”label”:”The intercontinental ATM heist that netted $14m in two hours”,”url”:”/news/world-65130220″,”source”:”news”,”metadata”:{“PAR”:”cps_mostRead::1″,”CHD”:”promo::10″,”EXT”:0},”group”:{“name”:”CPS Most Read”,”type”:”promo group”,”item_count”:10},”item”:{“type”:”promo”,”link”:”/news/world-65130220″,”text”:”The intercontinental ATM heist that netted $14m in two hours”,”media_type”:”article”,”attribution”:”news”,”position”:10}},”metadataStripItems”:[],”rank”:10,”url”:”/news/world-65130220″,”service”:”news”}],”sectionHeader”:”Most Read”},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”service-bar?language=en-GB&product=news”:{“name”:”service-bar”,”props”:{“product”:”news”,”language”:”en-GB”},”data”:{“title”:”BBC News Services”,”serviceLinks”:[{“text”:”On your mobile”,”url”:”https://www.bbc.co.uk/news/10628994″,”type”:”devices-and-inputs:smartphone”},{“text”:”On smart speakers”,”url”:”https://www.bbc.co.uk/news/help-50068132″,”type”:”devices-and-inputs:microphone”},{“text”:”Get news alerts”,”url”:”https://www.bbc.co.uk/news/10628323″,”type”:”content-types:newsletter”},{“text”:”Contact BBC News”,”url”:”https://www.bbc.co.uk/news/20039682″,”type”:”participate:email”}]},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”footer-promos?country=gb&home=news&identifiers=NEWS_PS%2Cnews_ps&language=en-GB”:{“name”:”footer-promos”,”props”:{“identifiers”:”NEWS_PS,news_ps”,”language”:”en-GB”,”country”:”gb”,”home”:”news”},”data”:{“title”:”Best of the BBC”,”backgroundImageUrlTemplate”:””,”promos”:[{“headline”:”Make tonight a movie night!”,”url”:”https://www.bbc.co.uk/iplayer/group/films-featured?at_mid=kU9DjL8WJY&at_medium=display_ad&at_campaign=Films_Landing_Page&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_link_origin=discovery_cards&at_link_id=gr01&at_format=image&at_link_title=Films_Landing_Page&at_bbc_team=BBC”,”metadataStripItems”:[{“label”:”Attribution”,”text”:”BBC iPlayer”,”type”:”attribution”,”iconType”:”service-identifiers:iplayer”}],”type”:”none”,”image”:{“width”:240,”height”:135,”alt”:””,”urlTemplate”:”https://ichef.bbci.co.uk/images/ic/{width}x{height}/p0f6c8ls.jpg”,”trackingId”:”p0f6c8ls”,”url”:”https://ichef.bbci.co.uk/images/ic/240×135/p0f6c8ls.jpg”,”loading”:”lazy”,”availableSizes”:[{“width”:240,”height”:135},{“width”:320,”height”:180},{“width”:480,”height”:270},{“width”:624,”height”:351},{“width”:800,”height”:450},{“width”:960,”height”:540}],”src”:”https://ichef.bbci.co.uk/images/ic/240×135/p0f6c8ls.jpg”,”sizes”:”(max-width: 399px) 320px, (max-width: 599px) 480px, (max-width: 899px) 800px, 480px”,”srcSet”:”https://ichef.bbci.co.uk/images/ic/320xn/p0f6c8ls.jpg 320w, https://ichef.bbci.co.uk/images/ic/480xn/p0f6c8ls.jpg 480w, https://ichef.bbci.co.uk/images/ic/800xn/p0f6c8ls.jpg 800w”},”home”:”iPlayer”,”service”:”iPlayer”},{“headline”:”Do sleepy teas really work?”,”url”:”https://www.bbc.co.uk/sounds/play/m001jswf?at_mid=gcHhW7lT3L&at_medium=display_ad&at_campaign=Sliced_Bread_Herbal_Sleeping_Aids&at_product=sounds&at_brand=p07012sf&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=discovery_cards&at_link_id=gr01&at_format=image&at_link_title=Sliced_Bread_Herbal_Sleeping_Aids&at_bbc_team=BBC”,”metadataStripItems”:[{“label”:”Attribution”,”text”:”BBC Sounds”,”type”:”attribution”,”iconType”:”service-identifiers:sounds”}],”type”:”none”,”image”:{“width”:240,”height”:135,”alt”:””,”urlTemplate”:”https://ichef.bbci.co.uk/images/ic/{width}x{height}/p0bzpxby.jpg”,”trackingId”:”p0bzpxby”,”url”:”https://ichef.bbci.co.uk/images/ic/240×135/p0bzpxby.jpg”,”loading”:”lazy”,”availableSizes”:[{“width”:240,”height”:135},{“width”:320,”height”:180},{“width”:480,”height”:270},{“width”:624,”height”:351},{“width”:800,”height”:450},{“width”:960,”height”:540}],”src”:”https://ichef.bbci.co.uk/images/ic/240×135/p0bzpxby.jpg”,”sizes”:”(max-width: 399px) 320px, (max-width: 599px) 480px, (max-width: 899px) 800px, 480px”,”srcSet”:”https://ichef.bbci.co.uk/images/ic/320xn/p0bzpxby.jpg 320w, https://ichef.bbci.co.uk/images/ic/480xn/p0bzpxby.jpg 480w, https://ichef.bbci.co.uk/images/ic/800xn/p0bzpxby.jpg 800w”},”home”:”Sounds”,”service”:”Sounds”},{“headline”:”Behind the 80s strip sensation…”,”url”:”https://www.bbc.co.uk/iplayer/episode/p0f68f8s/secrets-of-the-chippendales-murders-series-1-1-the-perfect-man?at_mid=5DTfyetaBn&at_medium=display_ad&at_campaign=Secrets_of_the_Chippendales_Murders_Series_1_Episode_1&at_product=iplayer&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=discovery_cards&at_link_id=gr01&at_format=image&at_link_title=Secrets_of_the_Chippendales_Murders_Series_1_Episode_1&at_bbc_team=BBC”,”metadataStripItems”:[{“label”:”Attribution”,”text”:”BBC iPlayer”,”type”:”attribution”,”iconType”:”service-identifiers:iplayer”}],”type”:”none”,”image”:{“width”:240,”height”:135,”alt”:””,”urlTemplate”:”https://ichef.bbci.co.uk/images/ic/{width}x{height}/p0f72pmd.jpg”,”trackingId”:”p0f72pmd”,”url”:”https://ichef.bbci.co.uk/images/ic/240×135/p0f72pmd.jpg”,”loading”:”lazy”,”availableSizes”:[{“width”:240,”height”:135},{“width”:320,”height”:180},{“width”:480,”height”:270},{“width”:624,”height”:351},{“width”:800,”height”:450},{“width”:960,”height”:540}],”src”:”https://ichef.bbci.co.uk/images/ic/240×135/p0f72pmd.jpg”,”sizes”:”(max-width: 399px) 320px, (max-width: 599px) 480px, (max-width: 899px) 800px, 480px”,”srcSet”:”https://ichef.bbci.co.uk/images/ic/320xn/p0f72pmd.jpg 320w, https://ichef.bbci.co.uk/images/ic/480xn/p0f72pmd.jpg 480w, https://ichef.bbci.co.uk/images/ic/800xn/p0f72pmd.jpg 800w”},”home”:”iPlayer”,”service”:”iPlayer”},{“headline”:”The bizarre history of electricity…”,”url”:”https://www.bbc.co.uk/sounds/play/p0f6bn9j?at_mid=Pb4Qi8TZ9j&at_medium=display_ad&at_campaign=Youre_Dead_To_Me_Vital_Electricity&at_product=sounds&at_ptr_name=bbc&at_campaign_type=owned&at_objective=consumption&at_ptr_type=media&at_link_origin=discovery_cards&at_link_id=gr01&at_format=image&at_link_title=Youre_Dead_To_Me_Vital_Electricity&at_bbc_team=BBC”,”metadataStripItems”:[{“label”:”Attribution”,”text”:”BBC Sounds”,”type”:”attribution”,”iconType”:”service-identifiers:sounds”}],”type”:”none”,”image”:{“width”:240,”height”:135,”alt”:””,”urlTemplate”:”https://ichef.bbci.co.uk/images/ic/{width}x{height}/p0dlxpgc.jpg”,”trackingId”:”p0dlxpgc”,”url”:”https://ichef.bbci.co.uk/images/ic/240×135/p0dlxpgc.jpg”,”loading”:”lazy”,”availableSizes”:[{“width”:240,”height”:135},{“width”:320,”height”:180},{“width”:480,”height”:270},{“width”:624,”height”:351},{“width”:800,”height”:450},{“width”:960,”height”:540}],”src”:”https://ichef.bbci.co.uk/images/ic/240×135/p0dlxpgc.jpg”,”sizes”:”(max-width: 399px) 320px, (max-width: 599px) 480px, (max-width: 899px) 800px, 480px”,”srcSet”:”https://ichef.bbci.co.uk/images/ic/320xn/p0dlxpgc.jpg 320w, https://ichef.bbci.co.uk/images/ic/480xn/p0dlxpgc.jpg 480w, https://ichef.bbci.co.uk/images/ic/800xn/p0dlxpgc.jpg 800w”},”home”:”Sounds”,”service”:”Sounds”}],”contextPalette”:”dark”},”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true},”global-footer?country=gb&language=en-GB”:{“name”:”global-footer”,”props”:{“country”:”gb”,”language”:”en-GB”},”data”:{“accessibilityLinks”:[{“label”:”Skip to content”,”url”:”#main-heading”},{“label”:”Accessibility Help”,”url”:”https://www.bbc.co.uk/accessibility/”}],”signInLabel”:”Sign in”,”accountLabel”:”Your account”,”menuLabel”:”Menu”,”moreLabel”:”More”,”moreMenuLabel”:”More menu”,”closeButtonLabel”:”Close menu”,”disclaimer”:{“text”:”© 2023 BBC. The BBC is not responsible for the content of external sites.”,”link”:{“url”:”https://www.bbc.co.uk/editorialguidelines/guidance/feeds-and-links”,”text”:”Read about our approach to external linking.”}},”legalLinks”:[{“url”:”https://www.bbc.co.uk/usingthebbc/terms”,”label”:”Terms of Use”},{“url”:”https://www.bbc.co.uk/aboutthebbc”,”label”:”About the BBC”},{“url”:”https://www.bbc.co.uk/usingthebbc/privacy”,”label”:”Privacy Policy”},{“url”:”https://www.bbc.co.uk/usingthebbc/cookies”,”label”:”Cookies”},{“url”:”https://www.bbc.co.uk/accessibility”,”label”:”Accessibility Help”},{“url”:”https://www.bbc.co.uk/iplayer/guidance”,”label”:”Parental Guidance”},{“url”:”https://www.bbc.co.uk/contact”,”label”:”Contact the BBC”},{“url”:”https://www.bbc.co.uk/contact/complaints/make-a-complaint/#/Complaint”,”label”:”Make an editorial complaint”},{“url”:”https://www.bbc.co.uk/bbcnewsletter”,”label”:”Get Personalised Newsletters”},{“url”:”https://www.bbc.co.uk/news/help-41670342″,”label”:”Why you can trust the BBC”}],”homepageLink”:{“label”:”BBC Homepage”,”url”:”https://www.bbc.co.uk”},”searchLink”:{“label”:”Search”,”url”:”/search”},”chameleonSearchLink”:{“label”:”Search BBC”,”url”:”/search”},”notificationsLink”:{“label”:”Notifications”,”url”:”https://www.bbc.co.uk/notifications”},”navigationLinks”:[{“label”:”Home”,”url”:”https://www.bbc.co.uk”,”accent”:”#007BC7″},{“label”:”News”,”url”:”https://www.bbc.co.uk/news”,”accent”:”#BB1919″},{“label”:”Sport”,”url”:”https://www.bbc.co.uk/sport”,”accent”:”#FFD230″},{“label”:”Weather”,”url”:”https://www.bbc.co.uk/weather”,”accent”:”#88CCEE”},{“label”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”accent”:”#ED3D7D”},{“label”:”Sounds”,”url”:”https://www.bbc.co.uk/sounds”,”accent”:”#FF4900″},{“label”:”CBBC”,”url”:”https://www.bbc.co.uk/cbbc”,”accent”:”#90D200″},{“label”:”CBeebies”,”url”:”https://www.bbc.co.uk/cbeebies”,”accent”:”#FFE513″},{“label”:”Food”,”url”:”https://www.bbc.co.uk/food”},{“label”:”Bitesize”,”url”:”https://www.bbc.co.uk/bitesize”},{“label”:”Arts”,”url”:”https://www.bbc.co.uk/arts”},{“label”:”Taster”,”url”:”https://www.bbc.co.uk/taster”},{“label”:”Local”,”url”:”https://www.bbc.co.uk/news/localnews”},{“label”:”Three”,”url”:”https://www.bbc.co.uk/bbcthree”}],”chameleonNavigationLinks”:[{“label”:”Home”,”url”:”https://www.bbc.co.uk”},{“label”:”News”,”url”:”https://www.bbc.co.uk/news”,”accent”:”#EB1212″},{“label”:”Sport”,”url”:”https://www.bbc.co.uk/sport”,”accent”:”#FFD230″},{“label”:”Weather”,”url”:”https://www.bbc.co.uk/weather”,”accent”:”#149EDC”},{“label”:”iPlayer”,”url”:”https://www.bbc.co.uk/iplayer”,”accent”:”#FF4C98″},{“label”:”Sounds”,”url”:”https://www.bbc.co.uk/sounds”,”accent”:”#FA6400″},{“label”:”Bitesize”,”url”:”https://www.bbc.co.uk/bitesize”,”accent”:”#963CE1″},{“label”:”CBBC”,”url”:”https://www.bbc.co.uk/cbbc”},{“label”:”CBeebies”,”url”:”https://www.bbc.co.uk/cbeebies”},{“label”:”Food”,”url”:”https://www.bbc.co.uk/food”}]},”importance”:”PRIMARY”,”isPersonalised”:false,”hasFetcher”:true}},”paths”:[{“path”:”/news/:id”,”routeHasCustomCsp”:false},{“path”:”/bitesize/guides/:id/audio”,”allowClientSideLink”:true},{“path”:”/bitesize/preview/guides/:id/audio”,”allowClientSideLink”:true},{“path”:”/bitesize/guides/:id/video”,”allowClientSideLink”:true},{“path”:”/bitesize/preview/guides/:id/video”,”allowClientSideLink”:true},{“path”:”/bitesize/guides/:id/revision/:page”,”allowClientSideLink”:true},{“path”:”/bitesize/preview/guides/:id/revision/:page”,”allowClientSideLink”:true},{“path”:”/bitesize/guides/:id/:chapter”,”allowClientSideLink”:true},{“path”:”/bitesize/preview/guides/:id/:chapter”,”allowClientSideLink”:true}],”page”:{“metadata”:{“title”:”BBC”,”description”:”BBC Page”},”featureToggles”:{“apps-news-abl-article-recommendations”:false,”global-container-polling”:false,”sfv-survey-banner”:false,”sfv-tipo-curations”:false,”sfv-toucan”:false,”sfv-machine-recommendations”:false,”sfv-common-article-format”:false,”articles-uploader”:false,”enableElectionBanner”:false,”enableDotcomAds”:false,”enableComscoreMmx”:true},”entry”:{“pageContent”:{“header”:[{“layout”:{“name”:”FULL”,”props”:{}},”containers”:[{“name”:”consent-banner”,”importance”:”TERTIARY”,”hasFetcher”:true,”props”:[]}]},{“layout”:{“name”:”FULL”,”props”:{}},”containers”:[{“name”:”chameleon-global-navigation”,”importance”:”PRIMARY”,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”showServiceIdentifiers”,”value”:true},{“__typename”:”StoreReader”,”lookup”:”page.destination”,”name”:”currentPageAnalyticsDestination”,”store”:”analytics”}],”levers”:{“brandPalette”:”serviceNeutralLight”,”corePalette”:”light”,”fontPalette”:”sansSimple”},”fetchParams”:[{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RouteParam”,”name”:”service”,”lookup”:”service”},{“__typename”:”LiteralProp”,”name”:”service”}]}]}],”main”:[{“layout”:{“name”:”FULL”,”props”:{}},”containers”:[{“name”:”sign-in-prompt”,”importance”:”TERTIARY”,”hasFetcher”:false,”props”:[{“__typename”:”RequestContext”,”name”:”env”,”lookup”:”env”},{“__typename”:”StoreReader”,”name”:”signInPrompt”,”lookup”:”signInPrompt”,”store”:”bbcAccount”},{“__typename”:”StoreReader”,”name”:”pageType”,”lookup”:”pageType”,”store”:”bbcAccount”},{“__typename”:”LiteralProp”,”name”:”useExperimentCountingLogic”,”value”:false},{“__typename”:”StoreWriter”,”name”:”setSignInPrompt”,”lookup”:”signInPrompt”,”store”:”bbcAccount”}]}]}],”footer”:[{“layout”:{“name”:”FULL”,”props”:{}},”containers”:[{“name”:”footer-promos”,”importance”:”SECONDARY”,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”identifiers”,”value”:”NEWS_PS,news_ps”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”LiteralProp”,”name”:”home”,”value”:”news”}]}]},{“layout”:{“name”:”FULL”,”props”:{}},”containers”:[{“name”:”global-footer”,”importance”:”PRIMARY”,”hasFetcher”:true,”props”:[],”fetchParams”:[{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RouteParam”,”name”:”service”,”lookup”:”service”},{“__typename”:”LiteralProp”,”name”:”service”}]}]}]},”pageLayout”:”ThreeColumnWithHero”,”useV2Layout”:true,”pageContentV2″:{“zones”:[{“name”:”top”,”landmarks”:[{“element”:”header”,”containers”:[{“name”:”consent-banner”,”importance”:”TERTIARY”,”hasFetcher”:true,”props”:[]},{“name”:”chameleon-global-navigation”,”importance”:”PRIMARY”,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”showServiceIdentifiers”,”value”:true},{“__typename”:”StoreReader”,”lookup”:”page.destination”,”name”:”currentPageAnalyticsDestination”,”store”:”analytics”}],”levers”:{“brandPalette”:”serviceNeutralLight”,”corePalette”:”light”,”fontPalette”:”sansSimple”},”fetchParams”:[{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RouteParam”,”name”:”service”,”lookup”:”service”},{“__typename”:”LiteralProp”,”name”:”service”}]},{“name”:”product-navigation”,”importance”:”SECONDARY”,”hasFetcher”:true,”levers”:{“brandPalette”:”newsLight”,”corePalette”:”light”,”fontPalette”:”mixedInformative”},”props”:[{“__typename”:”LiteralProp”,”name”:”product”,”value”:”news”},{“__typename”:”LiteralProp”,”name”:”showProductNavigation”,”value”:true},{“__typename”:”LiteralProp”,”name”:”capability”,”value”:”article”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”StoreReader”,”name”:”assetUri”,”lookup”:”assetUri”,”store”:”product-navigation”},{“__typename”:”StoreReader”,”name”:”sectionName”,”lookup”:”sectionName”,”store”:”product-navigation”}]}]}],”additionalProperties”:{}},{“name”:”hero”,”landmarks”:[],”additionalProperties”:{}},{“name”:”before”,”landmarks”:[],”additionalProperties”:{}},{“name”:”standard”,”landmarks”:[{“element”:”main”,”containers”:[{“name”:”sign-in-prompt”,”importance”:”TERTIARY”,”hasFetcher”:false,”props”:[{“__typename”:”RequestContext”,”name”:”env”,”lookup”:”env”},{“__typename”:”StoreReader”,”name”:”signInPrompt”,”lookup”:”signInPrompt”,”store”:”bbcAccount”},{“__typename”:”StoreReader”,”name”:”pageType”,”lookup”:”pageType”,”store”:”bbcAccount”},{“__typename”:”LiteralProp”,”name”:”useExperimentCountingLogic”,”value”:false},{“__typename”:”StoreWriter”,”name”:”setSignInPrompt”,”lookup”:”signInPrompt”,”store”:”bbcAccount”}]},{“name”:”article”,”importance”:”PRIMARY”,”hasFetcher”:true,”props”:[{“__typename”:”FeatureToggle”,”name”:”isUploaderEnabled”,”lookup”:”articles-uploader”,”fallbackValue”:false},{“__typename”:”LiteralProp”,”name”:”uri”,”value”:”/news/explainers-63147101″},{“__typename”:”LiteralProp”,”name”:”analyticsDataSource”,”value”:”CPS”},{“__typename”:”LiteralProp”,”name”:”withTimestampBlock”,”value”:false},{“__typename”:”LiteralProp”,”name”:”leftAligned”,”value”:true},{“__typename”:”LiteralProp”,”name”:”isAdvertisingEnabled”,”value”:false},{“__typename”:”LiteralProp”,”name”:”isUk”,”value”:true},{“__typename”:”LiteralProp”,”name”:”service”,”value”:”news”},{“__typename”:”RequestContext”,”name”:”host”,”lookup”:”host”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RequestContext”,”name”:”env”,”lookup”:”env”},{“__typename”:”StoreReader”,”name”:”currentPageAnalyticsDestination”,”lookup”:”page.destination”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”experienceComposition”,”lookup”:”page.additionalProperties.experience_composition”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”experienceResourceId”,”lookup”:”metadata.urn”,”store”:”article”}]}]}],”additionalProperties”:{“layout”:”COMPACT”}},{“name”:”after”,”landmarks”:[{“element”:”aside”,”labelledBy”:”topStories-label”,”ariaHidden”:false,”containers”:[{“name”:”onward-journeys”,”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”analyticsDataSource”,”value”:”CPS”},{“__typename”:”LiteralProp”,”name”:”columnsByBreakpoint”,”value”:{“base”:1,”medium”:3,”large”:1}},{“__typename”:”LiteralProp”,”name”:”dataType”,”value”:”onwardJourneys”},{“__typename”:”LiteralProp”,”name”:”isUk”,”value”:true},{“__typename”:”LiteralProp”,”name”:”id”,”value”:”topStories”},{“__typename”:”LiteralProp”,”name”:”isAside”,”value”:false},{“__typename”:”LiteralProp”,”name”:”limit”,”value”:3},{“__typename”:”LiteralProp”,”name”:”promoSize”,”value”:”small”},{“__typename”:”LiteralProp”,”name”:”region”,”value”:”domestic”},{“__typename”:”LiteralProp”,”name”:”sectionHeader”,”value”:{“text”:”Top Stories”}},{“__typename”:”LiteralProp”,”name”:”service”,”value”:”news”},{“__typename”:”LiteralProp”,”name”:”showTimestamp”,”value”:true},{“__typename”:”FeatureToggle”,”name”:”enableDotcomAds”,”lookup”:”enableDotcomAds”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”}]}]},{“element”:”aside”,”labelledBy”:”features-label”,”ariaHidden”:false,”containers”:[{“name”:”onward-journeys”,”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”analyticsDataSource”,”value”:”CPS”},{“__typename”:”LiteralProp”,”name”:”columnsByBreakpoint”,”value”:{“base”:2,”medium”:3,”large”:1}},{“__typename”:”LiteralProp”,”name”:”dataType”,”value”:”onwardJourneys”},{“__typename”:”LiteralProp”,”name”:”isUk”,”value”:true},{“__typename”:”LiteralProp”,”name”:”id”,”value”:”features”},{“__typename”:”LiteralProp”,”name”:”insertAdSlotAtIndex”,”value”:3},{“__typename”:”LiteralProp”,”name”:”isAside”,”value”:false},{“__typename”:”LiteralProp”,”name”:”limit”,”value”:9},{“__typename”:”LiteralProp”,”name”:”region”,”value”:”domestic”},{“__typename”:”LiteralProp”,”name”:”section”,”value”:”/news/business”},{“__typename”:”LiteralProp”,”name”:”sectionHeader”,”value”:{“text”:”Features”}},{“__typename”:”LiteralProp”,”name”:”service”,”value”:”news”},{“__typename”:”LiteralProp”,”name”:”showImage”,”value”:true},{“__typename”:”LiteralProp”,”name”:”showLoadingState”,”value”:false},{“__typename”:”FeatureToggle”,”name”:”enableDotcomAds”,”lookup”:”enableDotcomAds”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”}]}]},{“element”:”aside”,”labelledBy”:”elsewhere-label”,”ariaHidden”:false,”containers”:[{“name”:”onward-journeys”,”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”analyticsDataSource”,”value”:”CPS”},{“__typename”:”LiteralProp”,”name”:”columnsByBreakpoint”,”value”:{“base”:2,”medium”:3,”large”:1}},{“__typename”:”LiteralProp”,”name”:”dataType”,”value”:”contentSummaries”},{“__typename”:”LiteralProp”,”name”:”isUk”,”value”:true},{“__typename”:”LiteralProp”,”name”:”id”,”value”:”elsewhere”},{“__typename”:”LiteralProp”,”name”:”isAside”,”value”:false},{“__typename”:”LiteralProp”,”name”:”limit”,”value”:4},{“__typename”:”LiteralProp”,”name”:”region”,”value”:”domestic”},{“__typename”:”LiteralProp”,”name”:”sectionHeader”,”value”:{“text”:”Elsewhere on the BBC”}},{“__typename”:”LiteralProp”,”name”:”service”,”value”:”news”},{“__typename”:”LiteralProp”,”name”:”showDescription”,”value”:true},{“__typename”:”LiteralProp”,”name”:”showImage”,”value”:true},{“__typename”:”LiteralProp”,”name”:”showLoadingState”,”value”:false},{“__typename”:”LiteralProp”,”name”:”urn”,”value”:”urn:bbc:cps:curie:asset:570eca56-3b79-40a7-9a87-3c44abaaa4c5″},{“__typename”:”FeatureToggle”,”name”:”enableDotcomAds”,”lookup”:”enableDotcomAds”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”}]}]},{“element”:”aside”,”labelledBy”:”mostRead-label”,”ariaHidden”:false,”containers”:[{“name”:”onward-journeys”,”importance”:”SECONDARY”,”isPersonalised”:false,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”analyticsDataSource”,”value”:”CPS”},{“__typename”:”LiteralProp”,”name”:”columnsByBreakpoint”,”value”:{“medium”:2,”large”:1}},{“__typename”:”LiteralProp”,”name”:”dataType”,”value”:”onwardJourneys”},{“__typename”:”LiteralProp”,”name”:”edition”,”value”:”uk”},{“__typename”:”LiteralProp”,”name”:”expiresInMs”,”value”:3600000},{“__typename”:”LiteralProp”,”name”:”isUk”,”value”:true},{“__typename”:”LiteralProp”,”name”:”id”,”value”:”mostRead”},{“__typename”:”LiteralProp”,”name”:”isAside”,”value”:false},{“__typename”:”LiteralProp”,”name”:”isRanking”,”value”:true},{“__typename”:”LiteralProp”,”name”:”sectionHeader”,”value”:{“text”:”Most Read”}},{“__typename”:”LiteralProp”,”name”:”service”,”value”:”news”},{“__typename”:”FeatureToggle”,”name”:”enableDotcomAds”,”lookup”:”enableDotcomAds”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”}]}]}],”additionalProperties”:{}},{“name”:”bottom”,”landmarks”:[{“element”:”footer”,”containers”:[{“name”:”service-bar”,”importance”:”SECONDARY”,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”product”,”value”:”news”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”}]},{“name”:”footer-promos”,”importance”:”SECONDARY”,”hasFetcher”:true,”props”:[{“__typename”:”LiteralProp”,”name”:”identifiers”,”value”:”NEWS_PS,news_ps”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”LiteralProp”,”name”:”home”,”value”:”news”}]},{“name”:”global-footer”,”importance”:”PRIMARY”,”hasFetcher”:true,”props”:[],”fetchParams”:[{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”RequestContext”,”name”:”language”,”lookup”:”language”},{“__typename”:”RouteParam”,”name”:”service”,”lookup”:”service”},{“__typename”:”LiteralProp”,”name”:”service”}]}]}],”additionalProperties”:{}}]},”levers”:{“brandPalette”:”newsLight”,”corePalette”:”light”,”fontPalette”:”mixedInformative”},”stores”:[{“name”:”analytics”,”type”:”InMemory”,”initialState”:{“props”:[{“__typename”:”LiteralProp”,”name”:”page”,”value”:{“contentId”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”name”:”news.business.story.63147101.page”,”destination”:”NEWS_PS”,”producer”:”NEWS”,”section”:”business”,”contentType”:”article”,”language”:”en”,”additionalProperties”:{“app_name”:”news”,”experience_composition”:[“long-form”],”experience_resource_id”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”custom_var_1″:”2022-11-03T01:43:37.000Z”,”custom_var_2″:”2023-03-31T09:02:36.000Z”,”custom_var_3″:”UK+economy~Personal+finance~Cost+of+living~Business~Housing+market~Mortgages”,”custom_var_4″:”1947f3fd-ff95-4d71-b762-59b6c2f60fd1~20111747-026a-4687-a5a7-0a0499746ac6~2168dff5-3f4b-47f7-89b5-87d7b544a8d6~2f2db234-3c2d-40a4-b4ac-eea661faadd0~38a2903a-b068-486e-bda2-58c035e1490a~4cb5b3b0-5c37-4d81-9939-304a2f828294″,”comments_enabled”:false,”uploader_format”:false}}},{“__typename”:”LiteralProp”,”name”:”sections”,”value”:[“News”,”News – business”,”News – STY”,”News – business – STY”,”News – news-category”]},{“__typename”:”LiteralProp”,”name”:”authors”,”value”:”By Robert Cuffe & Christine Jeavans”}]}},{“name”:”userLocationData”,”type”:”InMemory”,”initialState”:{“props”:[{“__typename”:”LiteralProp”,”name”:”userLocationData”,”value”:{}}]}},{“name”:”article”,”type”:”InMemory”,”initialState”:{“props”:[{“__typename”:”LiteralProp”,”name”:”metadata”,”value”:{“id”:”urn:bbc:ares::asset:news/explainers-63147101″,”assetId”:”63147101″,”curie”:”http://www.bbc.co.uk/asset/3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”locators”:{“canonicalUrl”:”https://www.bbc.co.uk/news/explainers-63147101″},”seoHeadline”:”What is happening to house prices, and could there be a crash?”,”promoHeadline”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What is happening to house prices?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What is happening to house prices?”,”attributes”:[]}}]}}]}}]},”indexImage”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A row of houses”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:549,”width”:976,”locator”:”9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}],”alt”:”A row of houses”,”originalSrc”:”https://c.files.bbci.co.uk/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”iChefRecipe”:”https://ichef.bbci.co.uk/news/$recipe/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”width”:1024,”height”:576,”isEditorialImage”:true,”src”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”},”type”:”STY”,”options”:{“isIgorSeoTagsEnabled”:false,”includeComments”:false,”allowRightHandSide”:true,”isFactCheck”:false,”allowDateStamp”:true,”suitableForSyndication”:true,”hasNewsTracker”:false,”allowRelatedStoriesBox”:true,”isKeyContent”:false,”allowHeadline”:true,”allowAdvertising”:true,”hasContentWarning”:false,”isBreakingNews”:false,”allowPrintingSharingLinks”:true},”languageCode”:”en-gb”,”assetUri”:”/news/explainers-63147101″,”description”:”How are rising interest rates changing the housing market around the UK?”,”lastUpdated”:1680253385372,”firstPublished”:1667439817000,”lastPublished”:1680253356000,”analytics”:{“page”:{“name”:”news.business.story.63147101.page”,”contentId”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”section”:”business”,”producer”:”NEWS”,”additionalProperties”:{“custom_var_1″:”2022-11-03T01:43:37.000Z”,”custom_var_2″:”2023-03-31T09:02:36.000Z”,”custom_var_3″:”UK+economy~Personal+finance~Cost+of+living~Business~Housing+market~Mortgages”,”custom_var_4″:”1947f3fd-ff95-4d71-b762-59b6c2f60fd1~20111747-026a-4687-a5a7-0a0499746ac6~2168dff5-3f4b-47f7-89b5-87d7b544a8d6~2f2db234-3c2d-40a4-b4ac-eea661faadd0~38a2903a-b068-486e-bda2-58c035e1490a~4cb5b3b0-5c37-4d81-9939-304a2f828294″,”comments_enabled”:false,”uploader_format”:false}}},”site”:{“name”:”BBC News”,”uri”:”/news”},”consumableInPlace”:false,”consumableOnRedButton”:false,”consumableOnlyOnRedButton”:false,”home”:”http://www.bbc.co.uk/ontologies/passport/home/News”,”urn”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”section”:{“name”:”Business”,”uri”:”/news/business”},”host”:”www.bbc.co.uk”,”canonical”:”https://www.bbc.co.uk/news/explainers-63147101″,”title”:{“full”:”What is happening to house prices, and could there be a crash? – BBC News”,”short”:”What is happening to house prices, and could there be a crash?”},”contributor”:{“title”:”By Robert Cuffe & Christine Jeavans”,”subtitle”:”BBC Data Journalism Team”},”social”:{“facebook”:{“admins”:”100004154058350″,”app_id”:”1609039196070050″,”pages”:”1143803202301544,317278538359186,1392506827668140,742734325867560,185246968166196,156060587793370,137920769558355,193435954068976,21263239760,156400551056385,929399697073756,154344434967,228735667216,80758950658,260212261199,294662213128,1086451581439054,283348121682053,295830058648,239931389545417,304314573046,310719525611571,647687225371774,1159932557403143,286567251709437,1731770190373618,125309456546,163571453661989,285361880228,512423982152360,238003846549831,176663550714,260967092113,118450564909230,100978706649892,15286229625,122103087870579,120655094632228,102814153147070,124715648647,153132638110668,150467675018739″,”url”:”https://www.facebook.com/bbcnews”},”twitter”:{“card”:”summary_large_image”,”user”:”@BBCNews”}},”schemaOrg”:{“logo”:”https://static.files.bbci.co.uk/ws/simorgh-assets/public/news/images/metadata/poster-1024×576.png”,”noBylinesPolicy”:”http://www.bbc.co.uk/news/help-41670342#authorexpertise”,”publishingPrinciples”:”http://www.bbc.co.uk/news/help-41670342″,”type”:”ReportageNewsArticle”,”publisher”:”NewsMediaOrganization”},”microsoft”:{“tileColor”:”#bb1919″,”tileImage”:”BBC News”}}},{“__typename”:”LiteralProp”,”name”:”topics”,”value”:[{“title”:”Personal finance”,”url”:”/news/topics/c8nq32jw8vjt”,”isEvent”:false},{“title”:”Housing market”,”url”:”/news/topics/cdl8n2edgj5t”,”isEvent”:false},{“title”:”Cost of living”,”url”:”/news/topics/cljev4jz3pjt”,”isEvent”:false},{“title”:”UK economy”,”url”:”/news/topics/clm1wxp5378t”,”isEvent”:false},{“title”:”Mortgages”,”url”:”/news/topics/cpzp21mjmggt”,”isEvent”:false}]},{“__typename”:”LiteralProp”,”name”:”articleBodyContent”,”value”:[{“type”:”byline”,”model”:{“blocks”:[{“type”:”contributor”,”model”:{“blocks”:[{“type”:”name”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”By Robert Cuffe & Christine Jeavans”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”By Robert Cuffe & Christine Jeavans”,”attributes”:[]}}]}}]}}]}},{“type”:”role”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”BBC Data Journalism Team”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”BBC Data Journalism Team”,”attributes”:[]}}]}}]}}]}}]}}]}},{“type”:”image”,”model”:{“emphasiseImage”:true,”blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A row of houses”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:550,”width”:976,”locator”:”4C9C/production/_129221691_housing_crash_cal_promo-976-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”House prices have fallen in recent months, as rising interest rates have made mortgages more expensive, and high inflation has reduced people’s spending power. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”House prices have fallen in recent months, as rising interest rates have made mortgages more expensive, and high inflation has reduced people’s spending power. “,”attributes”:[“bold”]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But mortgage interest rates may be stabilising. How might this affect house prices? “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But mortgage interest rates may be stabilising. How might this affect house prices? “,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What is happening to house prices around the UK?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What is happening to house prices around the UK?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Prices rose steeply – by about 25% – across most of the UK from the start of 2020 until Autumn 2022. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Prices rose steeply – by about 25% – across most of the UK from the start of 2020 until Autumn 2022. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But they have fallen by more than 4% from that peak, according to March’s figures from the Nationwide Building Society. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But they have fallen by more than 4% from that peak, according to “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”March’s figures from the Nationwide Building Society”,”locator”:”https://www.bbc.co.uk/news/business-65135405″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”March’s figures from the Nationwide Building Society”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”These figures, which take seasonal peaks and troughs into account, show the largest fall in Scotland and the smallest in the West Midlands.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”These figures, which take seasonal peaks and troughs into account, show the largest fall in Scotland and the smallest in the West Midlands.”,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36685?responsive=true&newsapps=true&app-image=https://c.files.bbci.co.uk/17B62/production/_129222179_house_prices2-nc.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://c.files.bbci.co.uk/17B62/production/_129222179_house_prices2-nc.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cstyle>.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”visualisation/13227115?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36685.js??v=1.0.202303311539.202303311539\”>\u003c/script>\n”}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668?responsive=true&newsapps=true&app-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cstyle>.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”story/1872317?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668.js??v=1.0.202303301243.202303301243\”>\u003c/script>\n”}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What happens when house prices fall?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens when house prices fall?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Woman unpacking”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:549,”width”:976,”locator”:”F28F/production/_112259026_womanmovingwithboxes.jpg”,”originCode”:”cpsprodpb”,”copyrightHolder”:”Getty Images”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”locator”:”https://www.bbc.co.uk/news/61407508″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”attributes”:[]}}]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Will house prices crash?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Will house prices crash?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), which advises the government on the health of the economy, predicted that house prices will drop by 10% over the next two years.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”which advises the government on the health of the economy”,”locator”:”https://www.bbc.co.uk/news/explainers-63159607″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”which advises the government on the health of the economy”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, predicted that house prices will drop by 10% over the next two years.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But predictions are very uncertain.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But predictions are very uncertain.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Interest rates may stabilise. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Interest rates may stabilise. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”How high could interest rates go? “,”locator”:”https://www.bbc.co.uk/news/business-57764601″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”How high could interest rates go? “,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Why are prices rising so much?”,”locator”:”https://www.bbc.co.uk/news/business-12196322″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Why are prices rising so much?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some homeowners may find their new monthly payments unaffordable, making them more likely to sell, possibly pushing prices down. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some homeowners “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”may find their new monthly payments unaffordable”,”locator”:”https://www.bbc.co.uk/news/business-64569995″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”may find their new monthly payments unaffordable”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, making them more likely to sell, possibly pushing prices down. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/newsspec/34996-mortgage-calculator/english/app?responsive=true&newsapps=true&app-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cscript>\n window.vjConfigObject = window.vjConfigObject || {};\n window.vjConfigObject[‘newsspec-34996-mortgage-calculator-app’] = {\”js\”:true,\”output\”:{\”wrapper\”:\”embed\”},\”name\”:\”newsspec-34996-mortgage-calculator\”,\”version\”:\”1.0.0\”,\”urlToOutputDir\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator\”,\”assetsPath\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/app-project-assets\”,\”includeName\”:\”app\”,\”language\”:\”english\”,\”languageCode\”:\”en\”,\”brandingVersion\”:\”3.1\”,\”brandingExtension\”:\”svg\”,\”loremText\”:[\”Lorem ipsum dolor sit amet, consectetur adipiscing elit. Integer a purus eu nisl porta aliquam. Morbi pharetra aliquet dolor a cursus. In auctor dolor a felis feugiat ultrices. Phasellus sagittis aliquet mattis. Etiam turpis neque, auctor a pulvinar a, vestibulum consequat ante. Morbi ut dui eget sapien vulputate viverra. Curabitur luctus malesuada nunc.\”,\”Nullam gravida erat ut porttitor sollicitudin. Aliquam feugiat odio rutrum arcu tincidunt vehicula. Donec nec dolor rhoncus, consectetur metus eget, consectetur enim. Duis euismod, arcu non efficitur porta, nibh eros viverra risus, ac gravida lorem ex in dui. Morbi pulvinar varius erat, quis facilisis ligula mollis vel. Nulla efficitur augue quam, ac aliquet mi ornare vitae. In ornare nisl eget tortor aliquam consectetur id nec lorem. Pellentesque massa dolor, placerat ac risus a, aliquam rhoncus nulla.\”,\”Ut et suscipit enim. Nam aliquam porttitor sapien elementum mollis. In quis turpis ante. Morbi et ex aliquam, ornare neque sit amet, porttitor est. Quisque eleifend consequat turpis. Curabitur ultrices luctus quam, et dapibus quam bibendum non. Praesent facilisis augue magna, eu volutpat nibh gravida et. Cras pulvinar, ligula vel consectetur molestie, lorem eros euismod arcu, sed condimentum leo metus efficitur ante. Duis eu diam semper, hendrerit est porta, tincidunt odio. Maecenas sagittis justo lacus, ac varius est dictum sit amet. Nam vitae turpis dignissim, tincidunt felis sit amet, dignissim sapien. Integer et iaculis ex. Sed rhoncus elit vitae massa facilisis venenatis.\”,\”Curabitur lorem ligula, aliquet id lorem ut, molestie consequat sem. Donec sit amet lacus sagittis, gravida nunc a, volutpat elit. Nullam elementum, leo sed gravida euismod, enim leo venenatis dolor, eget consequat nisi nisl vel tortor. Ut hendrerit non justo nec porttitor. Aenean et dolor laoreet augue vulputate commodo ac ut turpis. Morbi luctus lacinia felis at pellentesque. Interdum et malesuada fames ac ante ipsum primis in faucibus. Nullam tristique faucibus mauris, sed volutpat ante consequat nec. Proin fermentum vehicula tortor, sed bibendum lectus volutpat ac. Cras dignissim elit id aliquam consectetur.\”],\”metaCSP\”:\”default-src ‘none’;script-src ‘unsafe-inline’ ‘self’ *.local.bbc.co.uk:* news.files.bbci.co.uk news.test.files.bbci.co.uk assets.wearehearken.com cdn.syndication.twimg.com connect.facebook.net emp.bbci.co.uk ems.wearehearken.com modules.wearehearken.com mybbcanalytics.files.bbci.co.uk nav.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com public.flourish.studio static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk static.chartbeat.com static2.chartbeat.com www.bbc.co.uk www.instagram.com www.ons.gov.uk gnwebassets.api.bbc.com www.googleanalytics.com static.files.bbci.co.uk static.test.files.bbci.co.uk;img-src ‘self’ c.files.bbci.co.uk data: https://a1.api.bbc.co.uk i.ytimg.com ichef.bbci.co.uk logws1363.atihost.net logws1363.ati-host.net news.bbcimg.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk newsimg.bbc.co.uk pbs.twimg.com ping.chartbeat.net platform.twitter.com r.bbci.co.uk syndication.twitter.com ton.twimg.com www.googleanalytics.com static.files.bbci.co.uk;font-src gel.files.bbci.co.uk static.bbci.co.uk static.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk wsdownloads.files.bbci.co.uk;style-src ‘self’ ‘unsafe-inline’ *.local.bbc.co.uk:* cdn.riddle.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk ton.twimg.com www.riddle.com;frame-src ‘self’ *.local.bbc.co.uk:* bbc001.carto.com bbc003.carto.com bbc-maps.carto.com cdn.riddle.com chartbeat.com emp.bbc.co.uk emp.bbc.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk static.files.bbci.co.uk static.test.files.bbci.co.uk personaltaxcalculator2.deloittecloud.co.uk platform.twitter.com public.flourish.studio static2.chartbeat.com syndication.twitter.com web.facebook.com www.bbc.co.uk www.facebook.com www.instagram.com www.ons.gov.uk www.riddle.com www.youtube.com;object-src ‘none’;worker-src ‘self’ blob:;manifest-src static.files.bbci.co.uk;connect-src ‘self’ cookieoven.api.bbc.co.uk cookieoven.api.bbc.com ems.wearehearken.com https://*.local.bbc.co.uk:* https://a1.api.bbc.co.uk https://mybbc-analytics.files.bbci.co.uk idcta.api.bbc.co.uk locator-service.api.bbci.co.uk logws1363.ati-host.net logws1363.atihost.net modules.wearehearken.com mybbcanalytics.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com search.api.bbci.co.uk search.api.bbci.com static.files.bbci.co.uk static.test.files.bbci.co.uk wss://*.local.bbc.co.uk:* www.bbc.co.uk www.bbc.com www.googleanalytics.com;child-src blob:;base-uri ‘none’;form-action ‘self’ platform.twitter.com syndication.twitter.com;upgrade-insecure-requests\”,\”textDirection\”:\”ltr\”,\”serviceName\”:\”news\”,\”serviceNameNative\”:\”News\”,\”AtiSiteIdTest\”:598286,\”AtiSiteIdLive\”:598285,\”AtiSiteStringTest\”:\”news_ps_test\”,\”AtiSiteStringLive\”:\”news_ps\”,\”AtiSiteStringExtraUkTest\”:\”gnl_news_test\”,\”AtiSiteStringExtraUkLive\”:\”gnl_news\”,\”AtiProducerString\”:\”news\”,\”AtiProducerId\”:64,\”AllowsAtiDeviceTracking\”:true,\”vocab\”:{\”embed_header\”:\”How much could my mortgage go up by?\”,\”embed_no-js\”:\”A modern browser with JavaScript and a stable internet connection is required to view this interactive.\”,\”\”:\”\”,\”form_input_1\”:\”How much are you borrowing?\”,\”info_button_aria_label_1\”:\”More info on borrowing\”,\”form_format_1\”:\”£\”,\”form_default_1\”:\”150000\”,\”form_placeholder_1\”:\”150,000\”,\”form_step_1\”:\”1000\”,\”form_min_1\”:\”0\”,\”form_max_1\”:\”10000000\”,\”form_input_2\”:\”How long will you take to pay it back?\”,\”info_button_aria_label_2\”:\”More info on repayment periods\”,\”form_format_2\”:\”years\”,\”form_default_2\”:\”20\”,\”form_placeholder_2\”:\”20\”,\”form_step_2\”:\”1\”,\”form_min_2\”:\”1\”,\”form_max_2\”:\”50\”,\”form_input_begin_radio\”:\”ignore\”,\”form_radio_label\”:\”What is your current…\”,\”info_button_aria_label_3\”:\”More info on interest rates\”,\”form_radio_input_1\”:\”interest rate\”,\”form_radio_format_1\”:\”%\”,\”form_radio_default_1\”:\”2.00\”,\”form_radio_placeholder_1\”:\”2.00\”,\”form_radio_step_1\”:\”0.10\”,\”form_radio_min_1\”:\”0.50\”,\”form_radio_max_1\”:\”10.50\”,\”form_radio_input_2\”:\”monthly payment\”,\”form_radio_format_2\”:\”£\”,\”form_radio_default_2\”:\”759\”,\”form_radio_placeholder_2\”:\”759\”,\”form_radio_step_2\”:\”10\”,\”form_radio_min_2\”:\”0\”,\”form_radio_max_2\”:\”10000\”,\”form_input_3\”:\”Choose an interest rate to compare with…\”,\”form_format_3\”:\”%\”,\”form_default_3\”:\”5.00\”,\”form_placeholder_3\”:\”5.00\”,\”form_step_3\”:\”0.10\”,\”form_min_3\”:\”0.10\”,\”form_max_3\”:\”100.00\”,\”form_button–calculate\”:\”Calculate\”,\”form_button–calculate-again\”:\”Calculate again\”,\”form_label_increase\”:\”increase\”,\”form_label_decrease\”:\”decrease\”,\”form_result__compare-results\”:\”At this rate, your payments could change by…\”,\”form_result__increase\”:\”monthly change\”,\”form_result__to\”:\”to\”,\”form_result__total\”:\”monthly total\”,\”form_result__monthly-estimate–repayment\”:\”We estimate your monthly repayments are £{{estimates-value}}.\”,\”form_result__monthly-estimate–interest\”:\”We estimate your interest rate is {{estimates-value}}%.\”,\”form_result__calculation-error\”:\”The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\”,\”form_result__offscreen\”:\”At this rate, your monthly payments could change by {{var1}} pounds. 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. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\”,\”disclaimer_2\”:\”Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\”},\”outputs\”:[{\”wrapper\”:\”embed\”},{\”wrapper\”:\”core\”},{\”wrapper\”:\”envelope\”},{\”wrapper\”:\”amp\”},{\”wrapper\”:\”news-app\”},{\”wrapper\”:\”syndication\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click here to see the BBC interactive\”},{\”wrapper\”:\”facebook\”,\”height\”:960,\”withMargins\”:\”yes\”},{\”wrapper\”:\”applenews\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click or tap here to see interactive content\”}],\”usesAppJs\”:true,\”autoFixLintingErrors\”:false,\”polyfill\”:false,\”dynamicImports\”:true,\”dynamicPolyfills\”:[\”core-js/modules/es.promise\”,\”core-js/modules/es.array.iterator\”,\”core-js/modules/es.array.filter\”,\”core-js/modules/es.array.from\”,\”core-js/modules/es.array.map\”,\”core-js/modules/es.array.reduce\”,\”core-js/modules/es.object.assign\”,\”core-js/modules/es.object.entries\”,\”core-js/modules/es.object.from-entries\”,\”core-js/modules/es.object.keys\”,\”core-js/modules/es.object.values\”],\”reactProject\”:false,\”failFast\”:false,\”includePath\”:{\”responsive\”:true,\”newsapps\”:true,\”app-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-clickable\”:true,\”amp-clickable\”:true,\”amp-image-height\”:360,\”amp-image-width\”:640,\”amp-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-image-alt-text\”:\”Click or tap here to see interactive content\”},\”languages\”:[\”english\”],\”destinationSection\”:{\”english\”:\”uk\”},\”uncompressedAppBudget\”:\”(1024 * 1000) * 0.5\”,\”meta\”:{\”title\”:{\”english\”:\”\”},\”images\”:[{\”thumbnail\”:\”\”}],\”hasBeenDeployed\”:false,\”publication_date\”:null,\”publication_date_iso\”:null,\”last_modified\”:null,\”last_modified_iso\”:null,\”data_last_modified\”:null,\”data_last_modified_iso\”:null,\”keywords\”:[\”vj\”,\”visual-journalism\”,\”visualjournalism\”,\”visual journalism\”],\”locations\”:{\”regions\”:[]}},\”defaultPort\”:1031,\”usedPort\”:1031,\”generateForMozart\”:true,\”hasGithubRepo\”:true,\”bespokeOrbitCacheTTL\”:false,\”shouldAllowDeviceTracking\”:true,\”shadowDom\”:true,\”generator\”:\”basic-project\”,\”projectNamespace\”:\”newsspec-34996-mortgage-calculator\”,\”generatorVersion\”:\”10.1.4\”,\”projectName\”:\”newsspec-34996-mortgage-calculator\”,\”outputDir\”:\”include/newsspec/34996-mortgage-calculator\”,\”optimiseImagesOnEveryBuild\”:false,\”includes\”:{\”app\”:{\”uuid\”:\”8236f762-98ef-4d6c-8a5f-b612687454f8\”}},\”pathToWrapperAssets\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed\”,\”pathToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”,\”pathToWrapperAssetsToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”};\n\u003c/script>\n\u003clink rel=\”stylesheet\” href=\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/css/inline.css??v=1.0.0.202303221650\”>\n\u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app\” class=\”bbc-news-vj-embed-wrapper\”>\n \u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\”>\n \u003cnoscript>\n \u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\u003c/p>\n \u003c/noscript>\n \u003cdiv class=\”mortgage-calc__content-container\” style=\”display:none;\”>\n \u003ch2 id=\”lookup-header\”>How much could my mortgage go up by?\u003c/h2>\n \u003cform id=\”mortgage-calc\” class=\”width-restrict\” aria-label=\”How much could my mortgage go up by?\”>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_1\”>How much are you borrowing?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-1\” aria-label=\”More info on borrowing\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-1\”>\n \u003cdiv class=\”info-box__text info-button-1\”>If you have an existing mortgage enter the outstanding balance left to pay. 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=\”5.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”5.00\”\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. For exact figures, users will need to approach an official mortgage lender.\u003c/p>\n \u003cp class=\”disclaimer-para\”>Interest rates fluctuate based on the Bank of England's base rate and market conditions.\u003c/p>\n \u003c/div>\u003c/div>\n \u003c/div>\n\u003c/div>\n\u003cstyle id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-inline-css\”>\n @-moz-keyframes gel-spin{0%{-moz-transform:rotate(0deg)}100%{-moz-transform:rotate(360deg)}}@-webkit-keyframes gel-spin{0%{-webkit-transform:rotate(0deg)}100%{-webkit-transform:rotate(360deg)}}@-ms-keyframes gel-spin{0%{-ms-transform:rotate(0deg)}100%{-ms-transform:rotate(360deg)}}@keyframes gel-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.bbc-news-visual-journalism-loading-spinner{display:block;margin:8px auto;width:32px;height:32px;max-width:32px;fill:#323232;-webkit-animation-name:gel-spin;-webkit-animation-duration:1s;-webkit-animation-iteration-count:infinite;-webkit-animation-timing-function:linear;-moz-animation-name:gel-spin;-moz-animation-duration:1s;-moz-animation-iteration-count:infinite;-moz-animation-timing-function:linear;animation-name:gel-spin;animation-duration:1s;animation-iteration-count:infinite;animation-timing-function:linear}\n@font-face{font-display:swap;font-family:\”ReithSans\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff\”) format(\”woff\”)}\n\n\u003c/style>\n\n\u003cscript>\n (function(){\n\nfunction cutsTheMustard() {\n return (\n document.implementation.hasFeature(‘http://www.w3.org/TR/SVG11/feature#BasicStructure’, ‘1.1’) &&\n ‘querySelector’ in document &&\n ‘localStorage’ in window &&\n ‘addEventListener’ in window &&\n ‘MutationObserver’ in window // not supported in IE9 & IE10\n );\n}\n\n if (cutsTheMustard()) {\n function initEmbed() {\n require([‘https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/js/embed-init.js??v=1.0.0.202303221650’], function (initFullFatApplication) {\n initFullFatApplication(vjConfigObject[‘newsspec-34996-mortgage-calculator-app’]);\n });\n }\n\n if (typeof require === ‘undefined’) {\n var headTag = document.getElementsByTagName(‘head’)[0],\n requireTag = document.createElement(‘script’);\n requireTag.type = ‘text/javascript’;\n requireTag.src = ‘https://news.files.bbci.co.uk/include/vjassets/js/vendor/require-2.1.20b.min.js’;\n requireTag.onload = initEmbed;\n headTag.appendChild(requireTag);\n } else {\n initEmbed();\n }\n\n }\n else if (window.require) {\n require([‘istats-1’], function (istats) {\n istats.log(‘browser does not cut the mustard’, ‘newsspec-nonuser’);\n });\n } })();\n\u003c/script>\n”}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”line”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:2,”width”:464,”locator”:”310C/production/_113665521_line976.jpg”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially \”financially stretching\” mortgages in London and the South East than in the rest of the country.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”\”financially stretching\” mortgages”,”locator”:”https://www.fca.org.uk/publication/research-notes/research-note-mortgage-borrowers-macroeconomic-developments.pdf”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”\”financially stretching\” mortgages”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:” in London and the South East than in the rest of the country.”,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A map of local authority areas in the UK showing the estimated percentage of households by June 2024 that will be paying more than 30% of total income on a mortgage. It ranges from about 2% in Scotland and much of the north of England and getting higher the further south you go. The average is 6% and the highest areas are in London and the South East with a few reaching 8%.”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:1724,”width”:1280,”locator”:”E491/production/_129231585_financially_stretched-2x-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”locator”:”https://www.bbc.co.uk/news/business-63486782″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”And these factors can all change significantly. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”And these factors can all change significantly. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”attributes”:[“italic”]}}]}}]}}]}]}},{“name”:”product-navigation”,”type”:”InMemory”,”initialState”:{“props”:[{“__typename”:”LiteralProp”,”name”:”assetUri”,”value”:”/news/explainers-63147101″}]}},{“name”:”bbcAccount”,”type”:”InMemory”,”initialState”:{“props”:[{“__typename”:”LiteralProp”,”name”:”signInPrompt”,”value”:{“show”:false,”userOrigin”:null,”ptrt”:null}},{“__typename”:”LiteralProp”,”name”:”pageType”,”value”:”content”}]}}],”headers”:{“content-return-type”:”STY”}},”addons”:[{“name”:”analytics”,”importance”:”TERTIARY”,”props”:[{“__typename”:”StoreReader”,”name”:”page”,”lookup”:”page”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”title”,”lookup”:”title”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”sections”,”lookup”:”sections”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”type”,”lookup”:”type”,”store”:”analytics”},{“__typename”:”StoreReader”,”name”:”isUkCombined”,”lookup”:”userLocationData.isUkCombined”,”store”:”userLocationData”},{“__typename”:”StoreReader”,”name”:”skipLocationCheck”,”lookup”:”userLocationData.error”,”store”:”userLocationData”},{“__typename”:”StoreReader”,”name”:”authors”,”lookup”:”authors”,”store”:”analytics”}]},{“name”:”international-redirect”,”importance”:”TERTIARY”,”props”:[{“__typename”:”StoreWriter”,”name”:”setUserLocationData”,”lookup”:”userLocationData”,”store”:”userLocationData”},{“__typename”:”RequestContext”,”name”:”env”,”lookup”:”env”},{“__typename”:”RequestContext”,”name”:”country”,”lookup”:”country”},{“__typename”:”Cookie”,”name”:”countryOverride”,”lookup”:”international_redirect_country_override”}]},{“name”:”document-metadata”,”importance”:”PRIMARY”,”props”:[{“__typename”:”LiteralProp”,”name”:”title”,”value”:”What is happening to house prices, and could there be a crash? – BBC News”},{“__typename”:”LiteralProp”,”name”:”description”,”value”:”How are rising interest rates changing the housing market around the UK?”},{“__typename”:”LiteralProp”,”name”:”linkTags”,”value”:[{“rel”:”canonical”,”href”:”https://www.bbc.co.uk/news/explainers-63147101″},{“rel”:”amphtml”,”href”:”https://www.bbc.co.uk/news/explainers-63147101.amp”},{“rel”:”alternate”,”hrefLang”:”en-gb”,”href”:”https://www.bbc.co.uk/news/explainers-63147101″},{“rel”:”alternate”,”hrefLang”:”en”,”href”:”https://www.bbc.com/news/explainers-63147101″}]},{“__typename”:”LiteralProp”,”name”:”metaTags”,”value”:[{“name”:”application-name”,”content”:”BBC News”},{“name”:”mobile-web-app-capable”,”content”:”yes”},{“name”:”msapplication-TileImage”,”content”:”BBC News”},{“name”:”msapplication-TileColor”,”content”:”#bb1919″},{“name”:”cleartype”,”http-equiv”:”cleartype”,”content”:”on”}]},{“__typename”:”LiteralProp”,”name”:”openGraph”,”value”:{“article:author”:”https://www.facebook.com/bbcnews”,”fb:admins”:”100004154058350″,”fb:app_id”:”1609039196070050″,”fb:pages”:”1143803202301544,317278538359186,1392506827668140,742734325867560,185246968166196,156060587793370,137920769558355,193435954068976,21263239760,156400551056385,929399697073756,154344434967,228735667216,80758950658,260212261199,294662213128,1086451581439054,283348121682053,295830058648,239931389545417,304314573046,310719525611571,647687225371774,1159932557403143,286567251709437,1731770190373618,125309456546,163571453661989,285361880228,512423982152360,238003846549831,176663550714,260967092113,118450564909230,100978706649892,15286229625,122103087870579,120655094632228,102814153147070,124715648647,153132638110668,150467675018739″,”og:description”:”How are rising interest rates changing the housing market around the UK?”,”og:image”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”og:image:alt”:”A row of houses”,”og:locale”:”en_GB”,”og:site_name”:”BBC News”,”og:title”:”What is happening to house prices, and could there be a crash?”,”og:type”:”article”,”og:url”:”https://www.bbc.com/news/explainers-63147101″,”article:section”:”Business”}},{“__typename”:”LiteralProp”,”name”:”schemaOrg”,”value”:{“@context”:”http://schema.org”,”@type”:”ReportageNewsArticle”,”url”:”https://www.bbc.co.uk/news/explainers-63147101″,”publisher”:{“@type”:”NewsMediaOrganization”,”name”:”BBC News”,”publishingPrinciples”:”http://www.bbc.co.uk/news/help-41670342″,”logo”:{“@type”:”ImageObject”,”url”:”https://static.files.bbci.co.uk/ws/simorgh-assets/public/news/images/metadata/poster-1024×576.png”}},”datePublished”:”2022-11-03T01:43:37.000Z”,”dateModified”:”2023-03-31T09:02:36.000Z”,”description”:”How are rising interest rates changing the housing market around the UK?”,”headline”:”What is happening to house prices, and could there be a crash?”,”image”:{“@type”:”ImageObject”,”width”:1024,”height”:576,”url”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”},”thumbnailUrl”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”mainEntityOfPage”:”https://www.bbc.co.uk/news/explainers-63147101″,”author”:[{“@type”:”Person”,”name”:”By Robert Cuffe & Christine Jeavans”}]}},{“__typename”:”LiteralProp”,”name”:”twitterCard”,”value”:{“twitter:card”:”summary_large_image”,”twitter:creator”:”@BBCNews”,”twitter:description”:”How are rising interest rates changing the housing market around the UK?”,”twitter:domain”:”www.bbc.co.uk”,”twitter:image:src”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”twitter:image:alt”:”A row of houses”,”twitter:site”:”@BBCNews”,”twitter:title”:”What is happening to house prices, and could there be a crash?”}},{“__typename”:”LiteralProp”,”name”:”serviceIcons”,”value”:”news”},{“__typename”:”TemplateProp”,”name”:”manifestUrl”,”template”:”${staticBaseUrl}/${manifestName}”,”templateProps”:[{“__typename”:”ConfigProp”,”name”:”manifestName”,”lookup”:”manifestName”},{“__typename”:”ConfigProp”,”name”:”staticBaseUrl”,”lookup”:”staticBaseUrl”}]}]},{“name”:”comscore-mmx”,”importance”:”SECONDARY”,”props”:[{“__typename”:”FeatureToggle”,”name”:”enableComscoreMmx”,”lookup”:”enableComscoreMmx”},{“__typename”:”RequestContext”,”name”:”nonce”,”lookup”:”nonce”}]},{“name”:”dotcom”,”importance”:”SECONDARY”,”props”:[{“__typename”:”QueryParam”,”name”:”testMode”,”lookup”:”ads-test”},{“__typename”:”QueryParam”,”name”:”adsDebug”,”lookup”:”ads-debug”},{“__typename”:”FeatureToggle”,”name”:”enableDotcomAds”,”lookup”:”enableDotcomAds”},{“__typename”:”FeatureToggle”,”name”:”allowAdvertising”,”lookup”:”allowAdvertising”,”fallbackValue”:false},{“__typename”:”RequestContext”,”name”:”nonce”,”lookup”:”nonce”},{“__typename”:”RequestContext”,”name”:”env”,”lookup”:”env”},{“__typename”:”LiteralProp”,”name”:”adCampaignKeyword”},{“__typename”:”StoreReader”,”name”:”topics”,”lookup”:”topics”,”store”:”article”},{“__typename”:”StoreReader”,”name”:”metadata”,”lookup”:”metadata”,”store”:”article”},{“__typename”:”LiteralProp”,”name”:”opsFlags”,”value”:{“Metadata”:{“FlagpoleBucketPrefix”:””,”FlagpoleDate”:”26 Oct 22 08:47 UTC”,”FlagpoleFileID”:”gn-flagpoles/gnlops”,”FlagpoleIdentity”:”gnlops”,”FlagpoleSystem”:”gn-flagpoles”,”Guid”:”8dfe60a2-4322-411c-8a71-04dc7084fec4″,”urn”:”urn:pubpipe:gnflagpoles:gnlops:gn-flagpoles/gnlops”},”Urn”:”urn:pubpipe:gnflagpoles:gnlops:gn-flagpoles/gnlops”,”adverts”:”true”,”analytics”:”true”,”wwhp_feeds”:”true”,”wwhp_obituary”:”false”,”xproxy”:”true”,”zephr”:”true”}},{“__typename”:”LiteralProp”,”name”:”ngasFlags”,”value”:{“Metadata”:{“FlagpoleBucketPrefix”:””,”FlagpoleDate”:”14 Mar 23 11:26 UTC”,”FlagpoleFileID”:”gn-flagpoles/ngas”,”FlagpoleIdentity”:”ngas”,”FlagpoleSystem”:”gn-flagpoles”,”Guid”:”e229d810-0dcd-45f0-a61b-ff6a4178aff7″,”urn”:”urn:pubpipe:gnflagpoles:ngas:gn-flagpoles/ngas”},”Urn”:”urn:pubpipe:gnflagpoles:ngas:gn-flagpoles/ngas”,”adsense”:”true”,”cmp”:”false”,”comscoremmx”:”true”,”comscoremmxeea”:”true”,”content_rec”:”true”,”covatic”:”false”,”effectivemeasure”:”false”,”effectivemeasureeea”:”false”,”fpd”:”true”,”fundingchoices_cmp”:”true”,”grapeshot”:”true”,”ias_publisher”:”true”,”iris”:”false”,”name”:”ngas”,”native_size”:”false”,”nielsen”:”true”,”ozone”:”true”,”permutive”:”true”,”piano”:”true”,”platinum”:”true”,”sherlock”:”false”,”signin”:”false”,”signinnews”:”false”,”sticky_leader”:”true”,”survey”:”true”,”thirdpartyeea”:”false”,”tmt_media_filter”:”false”,”version”:”1.28″}}]},{“name”:”web-vitals”,”importance”:”TERTIARY”,”props”:[{“__typename”:”LiteralProp”,”name”:”reportParams”,”value”:{“pageType”:”webcore-article-cps”}}]}],”analytics”:{},”path”:”/news/explainers-63147101″,”routeHasCustomCsp”:false},”stores”:{“analytics”:{“page”:{“contentId”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”name”:”news.business.story.63147101.page”,”destination”:”NEWS_PS”,”producer”:”NEWS”,”section”:”business”,”contentType”:”article”,”language”:”en”,”additionalProperties”:{“app_name”:”news”,”experience_composition”:[“long-form”],”experience_resource_id”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”custom_var_1″:”2022-11-03T01:43:37.000Z”,”custom_var_2″:”2023-03-31T09:02:36.000Z”,”custom_var_3″:”UK+economy~Personal+finance~Cost+of+living~Business~Housing+market~Mortgages”,”custom_var_4″:”1947f3fd-ff95-4d71-b762-59b6c2f60fd1~20111747-026a-4687-a5a7-0a0499746ac6~2168dff5-3f4b-47f7-89b5-87d7b544a8d6~2f2db234-3c2d-40a4-b4ac-eea661faadd0~38a2903a-b068-486e-bda2-58c035e1490a~4cb5b3b0-5c37-4d81-9939-304a2f828294″,”comments_enabled”:false,”uploader_format”:false}},”sections”:[“News”,”News – business”,”News – STY”,”News – business – STY”,”News – news-category”],”authors”:”By Robert Cuffe & Christine Jeavans”},”userLocationData”:{“userLocationData”:{}},”article”:{“metadata”:{“id”:”urn:bbc:ares::asset:news/explainers-63147101″,”assetId”:”63147101″,”curie”:”http://www.bbc.co.uk/asset/3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”locators”:{“canonicalUrl”:”https://www.bbc.co.uk/news/explainers-63147101″},”seoHeadline”:”What is happening to house prices, and could there be a crash?”,”promoHeadline”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What is happening to house prices?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What is happening to house prices?”,”attributes”:[]}}]}}]}}]},”indexImage”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A row of houses”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:549,”width”:976,”locator”:”9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}],”alt”:”A row of houses”,”originalSrc”:”https://c.files.bbci.co.uk/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”iChefRecipe”:”https://ichef.bbci.co.uk/news/$recipe/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”,”width”:1024,”height”:576,”isEditorialImage”:true,”src”:”https://ichef.bbci.co.uk/news/1024/branded_news/9ABC/production/_129221693_housing_crash_cal_promo-976-nc.png”},”type”:”STY”,”options”:{“isIgorSeoTagsEnabled”:false,”includeComments”:false,”allowRightHandSide”:true,”isFactCheck”:false,”allowDateStamp”:true,”suitableForSyndication”:true,”hasNewsTracker”:false,”allowRelatedStoriesBox”:true,”isKeyContent”:false,”allowHeadline”:true,”allowAdvertising”:true,”hasContentWarning”:false,”isBreakingNews”:false,”allowPrintingSharingLinks”:true},”languageCode”:”en-gb”,”assetUri”:”/news/explainers-63147101″,”description”:”How are rising interest rates changing the housing market around the UK?”,”lastUpdated”:1680253385372,”firstPublished”:1667439817000,”lastPublished”:1680253356000,”analytics”:{“page”:{“name”:”news.business.story.63147101.page”,”contentId”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”section”:”business”,”producer”:”NEWS”,”additionalProperties”:{“custom_var_1″:”2022-11-03T01:43:37.000Z”,”custom_var_2″:”2023-03-31T09:02:36.000Z”,”custom_var_3″:”UK+economy~Personal+finance~Cost+of+living~Business~Housing+market~Mortgages”,”custom_var_4″:”1947f3fd-ff95-4d71-b762-59b6c2f60fd1~20111747-026a-4687-a5a7-0a0499746ac6~2168dff5-3f4b-47f7-89b5-87d7b544a8d6~2f2db234-3c2d-40a4-b4ac-eea661faadd0~38a2903a-b068-486e-bda2-58c035e1490a~4cb5b3b0-5c37-4d81-9939-304a2f828294″,”comments_enabled”:false,”uploader_format”:false}}},”site”:{“name”:”BBC News”,”uri”:”/news”},”consumableInPlace”:false,”consumableOnRedButton”:false,”consumableOnlyOnRedButton”:false,”home”:”http://www.bbc.co.uk/ontologies/passport/home/News”,”urn”:”urn:bbc:cps:curie:asset:3e47c1e1-b7be-4e36-9f5d-5007776c0957″,”section”:{“name”:”Business”,”uri”:”/news/business”},”host”:”www.bbc.co.uk”,”canonical”:”https://www.bbc.co.uk/news/explainers-63147101″,”title”:{“full”:”What is happening to house prices, and could there be a crash? – BBC News”,”short”:”What is happening to house prices, and could there be a crash?”},”contributor”:{“title”:”By Robert Cuffe & Christine Jeavans”,”subtitle”:”BBC Data Journalism Team”},”social”:{“facebook”:{“admins”:”100004154058350″,”app_id”:”1609039196070050″,”pages”:”1143803202301544,317278538359186,1392506827668140,742734325867560,185246968166196,156060587793370,137920769558355,193435954068976,21263239760,156400551056385,929399697073756,154344434967,228735667216,80758950658,260212261199,294662213128,1086451581439054,283348121682053,295830058648,239931389545417,304314573046,310719525611571,647687225371774,1159932557403143,286567251709437,1731770190373618,125309456546,163571453661989,285361880228,512423982152360,238003846549831,176663550714,260967092113,118450564909230,100978706649892,15286229625,122103087870579,120655094632228,102814153147070,124715648647,153132638110668,150467675018739″,”url”:”https://www.facebook.com/bbcnews”},”twitter”:{“card”:”summary_large_image”,”user”:”@BBCNews”}},”schemaOrg”:{“logo”:”https://static.files.bbci.co.uk/ws/simorgh-assets/public/news/images/metadata/poster-1024×576.png”,”noBylinesPolicy”:”http://www.bbc.co.uk/news/help-41670342#authorexpertise”,”publishingPrinciples”:”http://www.bbc.co.uk/news/help-41670342″,”type”:”ReportageNewsArticle”,”publisher”:”NewsMediaOrganization”},”microsoft”:{“tileColor”:”#bb1919″,”tileImage”:”BBC News”}},”topics”:[{“title”:”Personal finance”,”url”:”/news/topics/c8nq32jw8vjt”,”isEvent”:false},{“title”:”Housing market”,”url”:”/news/topics/cdl8n2edgj5t”,”isEvent”:false},{“title”:”Cost of living”,”url”:”/news/topics/cljev4jz3pjt”,”isEvent”:false},{“title”:”UK economy”,”url”:”/news/topics/clm1wxp5378t”,”isEvent”:false},{“title”:”Mortgages”,”url”:”/news/topics/cpzp21mjmggt”,”isEvent”:false}],”articleBodyContent”:[{“type”:”byline”,”model”:{“blocks”:[{“type”:”contributor”,”model”:{“blocks”:[{“type”:”name”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”By Robert Cuffe & Christine Jeavans”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”By Robert Cuffe & Christine Jeavans”,”attributes”:[]}}]}}]}}]}},{“type”:”role”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”BBC Data Journalism Team”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”BBC Data Journalism Team”,”attributes”:[]}}]}}]}}]}}]}}]}},{“type”:”image”,”model”:{“emphasiseImage”:true,”blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A row of houses”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:550,”width”:976,”locator”:”4C9C/production/_129221691_housing_crash_cal_promo-976-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”House prices have fallen in recent months, as rising interest rates have made mortgages more expensive, and high inflation has reduced people’s spending power. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”House prices have fallen in recent months, as rising interest rates have made mortgages more expensive, and high inflation has reduced people’s spending power. “,”attributes”:[“bold”]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But mortgage interest rates may be stabilising. How might this affect house prices? “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But mortgage interest rates may be stabilising. How might this affect house prices? “,”attributes”:[]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What is happening to house prices around the UK?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What is happening to house prices around the UK?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Prices rose steeply – by about 25% – across most of the UK from the start of 2020 until Autumn 2022. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Prices rose steeply – by about 25% – across most of the UK from the start of 2020 until Autumn 2022. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But they have fallen by more than 4% from that peak, according to March’s figures from the Nationwide Building Society. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But they have fallen by more than 4% from that peak, according to “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”March’s figures from the Nationwide Building Society”,”locator”:”https://www.bbc.co.uk/news/business-65135405″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”March’s figures from the Nationwide Building Society”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”These figures, which take seasonal peaks and troughs into account, show the largest fall in Scotland and the smallest in the West Midlands.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”These figures, which take seasonal peaks and troughs into account, show the largest fall in Scotland and the smallest in the West Midlands.”,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36685?responsive=true&newsapps=true&app-image=https://c.files.bbci.co.uk/17B62/production/_129222179_house_prices2-nc.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://c.files.bbci.co.uk/17B62/production/_129222179_house_prices2-nc.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cstyle>.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36685\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”visualisation/13227115?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36685.js??v=1.0.202303311539.202303311539\”>\u003c/script>\n”}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those recent changes build on very different patterns of growth over the last 15 years. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Northern Ireland’s house prices have still not returned to the levels seen before the 2008 global financial crisis.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In contrast, London and the South East saw prices recover quickly up until 2015, then saw less growth during the race-for-space period of the pandemic, which saw many people relocate to cheaper areas. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668?responsive=true&newsapps=true&app-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://c.files.bbci.co.uk/15452/production/_129222178_house_prices-nc.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cstyle>.flourish-container{position:relative;color:#404040;font-family:’Helmet’, ‘Freesans’, ‘Helvetica’, ‘Arial’, sans-serif;font-weight:400;line-height:1.4}.flourish-embed{position:relative}\n\u003c/style>\n\u003cdiv class=\”flourish-container\” id=\”flourish-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cdiv class=\”flourish-fallback\” id=\”flourish-fallback-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\”>\n \u003cp>Your device may not support this visualisation\u003c/p>\n \u003c/div>\n \u003cdiv id=\”flourish-embed-container-vjeastasia-800-flourish_on_slack-NEWSSPEC-36668\” class=\”off-screen\”>\n \u003cdiv class=\”flourish-embed flourish-\” data-src=\”story/1872317?123456\”>\u003c/div>\n \u003cscript src=\”https://public.flourish.studio/resources/embed-2cda55b159ec9b85.js\” integrity=\”sha384-Q/QY2UasT8DtSgFrVEcihKOM7EoIk26XQkt8hwhzpwfjOG6Ft0xsAgeIdS0XrDTx\” crossorigin=\”anonymous\”>\u003c/script>\n \u003c/div>\n\u003c/div>\n\u003cscript src=\”https://news.files.bbci.co.uk/include/vjeastasia/800-flourish_on_slack/english/NEWSSPEC-36668.js??v=1.0.202303301243.202303301243\”>\u003c/script>\n”}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”What happens when house prices fall?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens when house prices fall?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The biggest immediate effect is on people who want to move.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some sellers may delay putting their homes on the market. Homeowners who are considering moving may find they have less money to spend. “,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”Woman unpacking”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:549,”width”:976,”locator”:”F28F/production/_112259026_womanmovingwithboxes.jpg”,”originCode”:”cpsprodpb”,”copyrightHolder”:”Getty Images”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Asking prices have not fallen far enough to balance the increased cost of interest rates, so first-time buyers are unlikely to find buying a house more affordable in the short term. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In the longer run, if wages increase faster than house prices recover, housing will become more affordable. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Those longer term trends also depend on whether housebuilding keeps up with demand. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”locator”:”https://www.bbc.co.uk/news/61407508″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What has happened to the government’s housebuilding target? “,”attributes”:[]}}]}}]}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Will house prices crash?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Will house prices crash?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The UK’s largest lender, Lloyds, is planning for a 7% fall in 2023. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), which advises the government on the health of the economy, predicted that house prices will drop by 10% over the next two years.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”In March, the Office for Budget Responsibility (OBR), “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”which advises the government on the health of the economy”,”locator”:”https://www.bbc.co.uk/news/explainers-63159607″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”which advises the government on the health of the economy”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, predicted that house prices will drop by 10% over the next two years.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”That would be about half the size of the fall seen during the financial crisis of 2008 and put prices back to where they were in autumn 2021. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But predictions are very uncertain.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But predictions are very uncertain.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Interest rates may stabilise. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Interest rates may stabilise. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The rates offered for fixed-rate mortgage deals have come down from their peak, and experts hope that the rate that sets the cost for trackers or variable rate mortgages may also be at or close to the top. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”How high could interest rates go? “,”locator”:”https://www.bbc.co.uk/news/business-57764601″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”How high could interest rates go? “,”attributes”:[]}}]}}]}},{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”Why are prices rising so much?”,”locator”:”https://www.bbc.co.uk/news/business-12196322″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Why are prices rising so much?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But interest rates are still higher than they were a year ago, and that has affected the market.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”A small uptick in the number of new mortgages in February did not undo the sharp falls seen at the end of 2022. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”About 100,000 households come off a fixed-price mortgage each month. They will be hit by new, higher rates.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Some homeowners may find their new monthly payments unaffordable, making them more likely to sell, possibly pushing prices down. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Some homeowners “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”may find their new monthly payments unaffordable”,”locator”:”https://www.bbc.co.uk/news/business-64569995″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”may find their new monthly payments unaffordable”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:”, making them more likely to sell, possibly pushing prices down. “,”attributes”:[]}}]}}]}},{“type”:”include”,”model”:{“type”:”vj”,”href”:”/include/newsspec/34996-mortgage-calculator/english/app?responsive=true&newsapps=true&app-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-clickable=true&amp-clickable=true&amp-image-height=360&amp-image-width=640&amp-image=https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png&app-image-alt-text=Click%20or%20tap%20here%20to%20see%20interactive%20content”,”html”:”\u003cscript>\n window.vjConfigObject = window.vjConfigObject || {};\n window.vjConfigObject[‘newsspec-34996-mortgage-calculator-app’] = {\”js\”:true,\”output\”:{\”wrapper\”:\”embed\”},\”name\”:\”newsspec-34996-mortgage-calculator\”,\”version\”:\”1.0.0\”,\”urlToOutputDir\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator\”,\”assetsPath\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/app-project-assets\”,\”includeName\”:\”app\”,\”language\”:\”english\”,\”languageCode\”:\”en\”,\”brandingVersion\”:\”3.1\”,\”brandingExtension\”:\”svg\”,\”loremText\”:[\”Lorem ipsum dolor sit amet, consectetur adipiscing elit. Integer a purus eu nisl porta aliquam. Morbi pharetra aliquet dolor a cursus. In auctor dolor a felis feugiat ultrices. Phasellus sagittis aliquet mattis. Etiam turpis neque, auctor a pulvinar a, vestibulum consequat ante. Morbi ut dui eget sapien vulputate viverra. Curabitur luctus malesuada nunc.\”,\”Nullam gravida erat ut porttitor sollicitudin. Aliquam feugiat odio rutrum arcu tincidunt vehicula. Donec nec dolor rhoncus, consectetur metus eget, consectetur enim. Duis euismod, arcu non efficitur porta, nibh eros viverra risus, ac gravida lorem ex in dui. Morbi pulvinar varius erat, quis facilisis ligula mollis vel. Nulla efficitur augue quam, ac aliquet mi ornare vitae. In ornare nisl eget tortor aliquam consectetur id nec lorem. Pellentesque massa dolor, placerat ac risus a, aliquam rhoncus nulla.\”,\”Ut et suscipit enim. Nam aliquam porttitor sapien elementum mollis. In quis turpis ante. Morbi et ex aliquam, ornare neque sit amet, porttitor est. Quisque eleifend consequat turpis. Curabitur ultrices luctus quam, et dapibus quam bibendum non. Praesent facilisis augue magna, eu volutpat nibh gravida et. Cras pulvinar, ligula vel consectetur molestie, lorem eros euismod arcu, sed condimentum leo metus efficitur ante. Duis eu diam semper, hendrerit est porta, tincidunt odio. Maecenas sagittis justo lacus, ac varius est dictum sit amet. Nam vitae turpis dignissim, tincidunt felis sit amet, dignissim sapien. Integer et iaculis ex. Sed rhoncus elit vitae massa facilisis venenatis.\”,\”Curabitur lorem ligula, aliquet id lorem ut, molestie consequat sem. Donec sit amet lacus sagittis, gravida nunc a, volutpat elit. Nullam elementum, leo sed gravida euismod, enim leo venenatis dolor, eget consequat nisi nisl vel tortor. Ut hendrerit non justo nec porttitor. Aenean et dolor laoreet augue vulputate commodo ac ut turpis. Morbi luctus lacinia felis at pellentesque. Interdum et malesuada fames ac ante ipsum primis in faucibus. Nullam tristique faucibus mauris, sed volutpat ante consequat nec. Proin fermentum vehicula tortor, sed bibendum lectus volutpat ac. Cras dignissim elit id aliquam consectetur.\”],\”metaCSP\”:\”default-src ‘none’;script-src ‘unsafe-inline’ ‘self’ *.local.bbc.co.uk:* news.files.bbci.co.uk news.test.files.bbci.co.uk assets.wearehearken.com cdn.syndication.twimg.com connect.facebook.net emp.bbci.co.uk ems.wearehearken.com modules.wearehearken.com mybbcanalytics.files.bbci.co.uk nav.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com public.flourish.studio static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk static.chartbeat.com static2.chartbeat.com www.bbc.co.uk www.instagram.com www.ons.gov.uk gnwebassets.api.bbc.com www.googleanalytics.com static.files.bbci.co.uk static.test.files.bbci.co.uk;img-src ‘self’ c.files.bbci.co.uk data: https://a1.api.bbc.co.uk i.ytimg.com ichef.bbci.co.uk logws1363.atihost.net logws1363.ati-host.net news.bbcimg.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk newsimg.bbc.co.uk pbs.twimg.com ping.chartbeat.net platform.twitter.com r.bbci.co.uk syndication.twitter.com ton.twimg.com www.googleanalytics.com static.files.bbci.co.uk;font-src gel.files.bbci.co.uk static.bbci.co.uk static.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk wsdownloads.files.bbci.co.uk;style-src ‘self’ ‘unsafe-inline’ *.local.bbc.co.uk:* cdn.riddle.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com static.bbc.co.uk static.bbci.co.uk static.files.bbci.co.uk ton.twimg.com www.riddle.com;frame-src ‘self’ *.local.bbc.co.uk:* bbc001.carto.com bbc003.carto.com bbc-maps.carto.com cdn.riddle.com chartbeat.com emp.bbc.co.uk emp.bbc.com flo.uri.sh news.files.bbci.co.uk news.test.files.bbci.co.uk static.files.bbci.co.uk static.test.files.bbci.co.uk personaltaxcalculator2.deloittecloud.co.uk platform.twitter.com public.flourish.studio static2.chartbeat.com syndication.twitter.com web.facebook.com www.bbc.co.uk www.facebook.com www.instagram.com www.ons.gov.uk www.riddle.com www.youtube.com;object-src ‘none’;worker-src ‘self’ blob:;manifest-src static.files.bbci.co.uk;connect-src ‘self’ cookieoven.api.bbc.co.uk cookieoven.api.bbc.com ems.wearehearken.com https://*.local.bbc.co.uk:* https://a1.api.bbc.co.uk https://mybbc-analytics.files.bbci.co.uk idcta.api.bbc.co.uk locator-service.api.bbci.co.uk logws1363.ati-host.net logws1363.atihost.net modules.wearehearken.com mybbcanalytics.files.bbci.co.uk news.files.bbci.co.uk news.test.files.bbci.co.uk platform.twitter.com search.api.bbci.co.uk search.api.bbci.com static.files.bbci.co.uk static.test.files.bbci.co.uk wss://*.local.bbc.co.uk:* www.bbc.co.uk www.bbc.com www.googleanalytics.com;child-src blob:;base-uri ‘none’;form-action ‘self’ platform.twitter.com syndication.twitter.com;upgrade-insecure-requests\”,\”textDirection\”:\”ltr\”,\”serviceName\”:\”news\”,\”serviceNameNative\”:\”News\”,\”AtiSiteIdTest\”:598286,\”AtiSiteIdLive\”:598285,\”AtiSiteStringTest\”:\”news_ps_test\”,\”AtiSiteStringLive\”:\”news_ps\”,\”AtiSiteStringExtraUkTest\”:\”gnl_news_test\”,\”AtiSiteStringExtraUkLive\”:\”gnl_news\”,\”AtiProducerString\”:\”news\”,\”AtiProducerId\”:64,\”AllowsAtiDeviceTracking\”:true,\”vocab\”:{\”embed_header\”:\”How much could my mortgage go up by?\”,\”embed_no-js\”:\”A modern browser with JavaScript and a stable internet connection is required to view this interactive.\”,\”\”:\”\”,\”form_input_1\”:\”How much are you borrowing?\”,\”info_button_aria_label_1\”:\”More info on borrowing\”,\”form_format_1\”:\”£\”,\”form_default_1\”:\”150000\”,\”form_placeholder_1\”:\”150,000\”,\”form_step_1\”:\”1000\”,\”form_min_1\”:\”0\”,\”form_max_1\”:\”10000000\”,\”form_input_2\”:\”How long will you take to pay it back?\”,\”info_button_aria_label_2\”:\”More info on repayment periods\”,\”form_format_2\”:\”years\”,\”form_default_2\”:\”20\”,\”form_placeholder_2\”:\”20\”,\”form_step_2\”:\”1\”,\”form_min_2\”:\”1\”,\”form_max_2\”:\”50\”,\”form_input_begin_radio\”:\”ignore\”,\”form_radio_label\”:\”What is your current…\”,\”info_button_aria_label_3\”:\”More info on interest rates\”,\”form_radio_input_1\”:\”interest rate\”,\”form_radio_format_1\”:\”%\”,\”form_radio_default_1\”:\”2.00\”,\”form_radio_placeholder_1\”:\”2.00\”,\”form_radio_step_1\”:\”0.10\”,\”form_radio_min_1\”:\”0.50\”,\”form_radio_max_1\”:\”10.50\”,\”form_radio_input_2\”:\”monthly payment\”,\”form_radio_format_2\”:\”£\”,\”form_radio_default_2\”:\”759\”,\”form_radio_placeholder_2\”:\”759\”,\”form_radio_step_2\”:\”10\”,\”form_radio_min_2\”:\”0\”,\”form_radio_max_2\”:\”10000\”,\”form_input_3\”:\”Choose an interest rate to compare with…\”,\”form_format_3\”:\”%\”,\”form_default_3\”:\”5.00\”,\”form_placeholder_3\”:\”5.00\”,\”form_step_3\”:\”0.10\”,\”form_min_3\”:\”0.10\”,\”form_max_3\”:\”100.00\”,\”form_button–calculate\”:\”Calculate\”,\”form_button–calculate-again\”:\”Calculate again\”,\”form_label_increase\”:\”increase\”,\”form_label_decrease\”:\”decrease\”,\”form_result__compare-results\”:\”At this rate, your payments could change by…\”,\”form_result__increase\”:\”monthly change\”,\”form_result__to\”:\”to\”,\”form_result__total\”:\”monthly total\”,\”form_result__monthly-estimate–repayment\”:\”We estimate your monthly repayments are £{{estimates-value}}.\”,\”form_result__monthly-estimate–interest\”:\”We estimate your interest rate is {{estimates-value}}%.\”,\”form_result__calculation-error\”:\”The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\”,\”form_result__offscreen\”:\”At this rate, your monthly payments could change by {{var1}} pounds. 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. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\”,\”disclaimer_2\”:\”Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\”},\”outputs\”:[{\”wrapper\”:\”embed\”},{\”wrapper\”:\”core\”},{\”wrapper\”:\”envelope\”},{\”wrapper\”:\”amp\”},{\”wrapper\”:\”news-app\”},{\”wrapper\”:\”syndication\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click here to see the BBC interactive\”},{\”wrapper\”:\”facebook\”,\”height\”:960,\”withMargins\”:\”yes\”},{\”wrapper\”:\”applenews\”,\”photoCaption\”:\”\”,\”photoURL\”:\”\”,\”hyperlinkCallToAction\”:\”Click or tap here to see interactive content\”}],\”usesAppJs\”:true,\”autoFixLintingErrors\”:false,\”polyfill\”:false,\”dynamicImports\”:true,\”dynamicPolyfills\”:[\”core-js/modules/es.promise\”,\”core-js/modules/es.array.iterator\”,\”core-js/modules/es.array.filter\”,\”core-js/modules/es.array.from\”,\”core-js/modules/es.array.map\”,\”core-js/modules/es.array.reduce\”,\”core-js/modules/es.object.assign\”,\”core-js/modules/es.object.entries\”,\”core-js/modules/es.object.from-entries\”,\”core-js/modules/es.object.keys\”,\”core-js/modules/es.object.values\”],\”reactProject\”:false,\”failFast\”:false,\”includePath\”:{\”responsive\”:true,\”newsapps\”:true,\”app-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-clickable\”:true,\”amp-clickable\”:true,\”amp-image-height\”:360,\”amp-image-width\”:640,\”amp-image\”:\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\”,\”app-image-alt-text\”:\”Click or tap here to see interactive content\”},\”languages\”:[\”english\”],\”destinationSection\”:{\”english\”:\”uk\”},\”uncompressedAppBudget\”:\”(1024 * 1000) * 0.5\”,\”meta\”:{\”title\”:{\”english\”:\”\”},\”images\”:[{\”thumbnail\”:\”\”}],\”hasBeenDeployed\”:false,\”publication_date\”:null,\”publication_date_iso\”:null,\”last_modified\”:null,\”last_modified_iso\”:null,\”data_last_modified\”:null,\”data_last_modified_iso\”:null,\”keywords\”:[\”vj\”,\”visual-journalism\”,\”visualjournalism\”,\”visual journalism\”],\”locations\”:{\”regions\”:[]}},\”defaultPort\”:1031,\”usedPort\”:1031,\”generateForMozart\”:true,\”hasGithubRepo\”:true,\”bespokeOrbitCacheTTL\”:false,\”shouldAllowDeviceTracking\”:true,\”shadowDom\”:true,\”generator\”:\”basic-project\”,\”projectNamespace\”:\”newsspec-34996-mortgage-calculator\”,\”generatorVersion\”:\”10.1.4\”,\”projectName\”:\”newsspec-34996-mortgage-calculator\”,\”outputDir\”:\”include/newsspec/34996-mortgage-calculator\”,\”optimiseImagesOnEveryBuild\”:false,\”includes\”:{\”app\”:{\”uuid\”:\”8236f762-98ef-4d6c-8a5f-b612687454f8\”}},\”pathToWrapperAssets\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed\”,\”pathToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”,\”pathToWrapperAssetsToInclude\”:\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\”};\n\u003c/script>\n\u003clink rel=\”stylesheet\” href=\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/css/inline.css??v=1.0.0.202303221650\”>\n\u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app\” class=\”bbc-news-vj-embed-wrapper\”>\n \u003cdiv id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\”>\n \u003cnoscript>\n \u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\u003c/p>\n \u003c/noscript>\n \u003cdiv class=\”mortgage-calc__content-container\” style=\”display:none;\”>\n \u003ch2 id=\”lookup-header\”>How much could my mortgage go up by?\u003c/h2>\n \u003cform id=\”mortgage-calc\” class=\”width-restrict\” aria-label=\”How much could my mortgage go up by?\”>\n \u003cdiv class=\”label__container\”>\n \u003clabel class=\”label__input \” for=\”form_input_1\”>How much are you borrowing?\u003c/label>\n \u003cbutton class=\”label__info-btn\” data-id=\”info-button-1\” aria-label=\”More info on borrowing\”>\u003c/button>\n \u003cdiv class=\”info-box info-button-1\”>\n \u003cdiv class=\”info-box__text info-button-1\”>If you have an existing mortgage enter the outstanding balance left to pay. 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=\”5.00\”\n min=\”0.10\” \n max=\”100.00\”\n data-default=\”5.00\”\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. For exact figures, users will need to approach an official mortgage lender.\u003c/p>\n \u003cp class=\”disclaimer-para\”>Interest rates fluctuate based on the Bank of England's base rate and market conditions.\u003c/p>\n \u003c/div>\u003c/div>\n \u003c/div>\n\u003c/div>\n\u003cstyle id=\”responsive-embed-newsspec-34996-mortgage-calculator-app-inline-css\”>\n @-moz-keyframes gel-spin{0%{-moz-transform:rotate(0deg)}100%{-moz-transform:rotate(360deg)}}@-webkit-keyframes gel-spin{0%{-webkit-transform:rotate(0deg)}100%{-webkit-transform:rotate(360deg)}}@-ms-keyframes gel-spin{0%{-ms-transform:rotate(0deg)}100%{-ms-transform:rotate(360deg)}}@keyframes gel-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.bbc-news-visual-journalism-loading-spinner{display:block;margin:8px auto;width:32px;height:32px;max-width:32px;fill:#323232;-webkit-animation-name:gel-spin;-webkit-animation-duration:1s;-webkit-animation-iteration-count:infinite;-webkit-animation-timing-function:linear;-moz-animation-name:gel-spin;-moz-animation-duration:1s;-moz-animation-iteration-count:infinite;-moz-animation-timing-function:linear;animation-name:gel-spin;animation-duration:1s;animation-iteration-count:infinite;animation-timing-function:linear}\n@font-face{font-display:swap;font-family:\”ReithSans\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSans\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSans_W_ExBdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Rg.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_It.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Bd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:bold;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_BdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Lt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:300;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_LtIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_Md.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:500;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_MdIt.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBd.woff\”) format(\”woff\”)}@font-face{font-display:swap;font-family:\”ReithSerif\”;font-style:italic;font-weight:800;src:url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff2\”) format(\”woff2\”),url(\”https://gel.files.bbci.co.uk/r2.512/BBCReithSerif_W_ExBdIt.woff\”) format(\”woff\”)}\n\n\u003c/style>\n\n\u003cscript>\n (function(){\n\nfunction cutsTheMustard() {\n return (\n document.implementation.hasFeature(‘http://www.w3.org/TR/SVG11/feature#BasicStructure’, ‘1.1’) &&\n ‘querySelector’ in document &&\n ‘localStorage’ in window &&\n ‘addEventListener’ in window &&\n ‘MutationObserver’ in window // not supported in IE9 & IE10\n );\n}\n\n if (cutsTheMustard()) {\n function initEmbed() {\n require([‘https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/js/embed-init.js??v=1.0.0.202303221650’], function (initFullFatApplication) {\n initFullFatApplication(vjConfigObject[‘newsspec-34996-mortgage-calculator-app’]);\n });\n }\n\n if (typeof require === ‘undefined’) {\n var headTag = document.getElementsByTagName(‘head’)[0],\n requireTag = document.createElement(‘script’);\n requireTag.type = ‘text/javascript’;\n requireTag.src = ‘https://news.files.bbci.co.uk/include/vjassets/js/vendor/require-2.1.20b.min.js’;\n requireTag.onload = initEmbed;\n headTag.appendChild(requireTag);\n } else {\n initEmbed();\n }\n\n }\n else if (window.require) {\n require([‘istats-1’], function (istats) {\n istats.log(‘browser does not cut the mustard’, ‘newsspec-nonuser’);\n });\n } })();\n\u003c/script>\n”}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”line”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:2,”width”:464,”locator”:”310C/production/_113665521_line976.jpg”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”subheadline”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Are people struggling to pay their mortgage?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially \”financially stretching\” mortgages in London and the South East than in the rest of the country.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The Financial Conduct Authority believes that there are more potentially “,”attributes”:[]}},{“type”:”urlLink”,”model”:{“text”:”\”financially stretching\” mortgages”,”locator”:”https://www.fca.org.uk/publication/research-notes/research-note-mortgage-borrowers-macroeconomic-developments.pdf”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”\”financially stretching\” mortgages”,”attributes”:[]}}]}},{“type”:”fragment”,”model”:{“text”:” in London and the South East than in the rest of the country.”,”attributes”:[]}}]}}]}},{“type”:”image”,”model”:{“blocks”:[{“type”:”altText”,”model”:{“blocks”:[{“type”:”text”,”model”:{“blocks”:[{“type”:”fragment”,”model”:{“text”:”A map of local authority areas in the UK showing the estimated percentage of households by June 2024 that will be paying more than 30% of total income on a mortgage. It ranges from about 2% in Scotland and much of the north of England and getting higher the further south you go. The average is 6% and the highest areas are in London and the South East with a few reaching 8%.”,”attributes”:[]}}]}}]}},{“type”:”rawImage”,”model”:{“height”:1724,”width”:1280,”locator”:”E491/production/_129231585_financially_stretched-2x-nc.png”,”originCode”:”cpsprodpb”,”copyrightHolder”:”BBC”}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Loans in the south tend to be very high compared with borrowers’ incomes. This can make the loans difficult to repay when mortgage rates rise or inflation bites. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”This analysis is one way to look for potential areas of weakness in the market. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”But it doesn’t guarantee that people in these areas will fall behind on their mortgage payments. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Most borrowers in recent years have had their ability to pay checked against higher interest rates than the ones we’re currently seeing. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Lending rules were tightened after the 2008 crash to help ensure people were better prepared for a more difficult economic climate. “,”attributes”:[]}}]}}]}},{“type”:”unorderedList”,”model”:{“blocks”:[{“type”:”listItem”,”model”:{“blocks”:[{“type”:”urlLink”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”locator”:”https://www.bbc.co.uk/news/business-63486782″,”blocks”:[{“type”:”fragment”,”model”:{“text”:”What happens if I can’t afford to pay my mortgage?”,”attributes”:[]}}]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Fortunately, the number of people behind on their mortgages did not rise significantly in 2022 and was still at half the 2008 level. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The number of repossessions in 2022 was also less than a tenth of what was seen in the years after the crash. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The amount people can spend of their mortgage also depends on wider cost-of-living pressures: on energy bills, wages and job security.”,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”And these factors can all change significantly. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”And these factors can all change significantly. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”blocks”:[{“type”:”fragment”,”model”:{“text”:”The future of house prices depends on the economy as a whole, and that picture is also uncertain. “,”attributes”:[]}}]}}]}},{“type”:”text”,”model”:{“blocks”:[{“type”:”paragraph”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”blocks”:[{“type”:”fragment”,”model”:{“text”:”Data visualisation by Rob England and Jana Tauschinski. Additional reporting by Jack Rodgers and Helena Rosiecka”,”attributes”:[“italic”]}}]}}]}}]},”product-navigation”:{“assetUri”:”/news/explainers-63147101″},”bbcAccount”:{“signInPrompt”:{“show”:false,”userOrigin”:null,”ptrt”:null},”pageType”:”content”}},”route”:”/news/:id”}”;]]>

Source