{"id":2958,"date":"2022-11-22T09:03:28","date_gmt":"2022-11-22T09:03:28","guid":{"rendered":"https:\/\/www.fpgonline.co.uk\/?p=2958"},"modified":"2023-09-19T09:49:14","modified_gmt":"2023-09-19T09:49:14","slug":"fixed-mortgage-rates-could-return-below-4-in-the-new-year","status":"publish","type":"post","link":"https:\/\/www.fpgonline.co.uk\/index.php\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\/","title":{"rendered":"Fixed Mortgage Rates Could Return Below 4% In The New Year"},"content":{"rendered":"<div class=\"\">Silver lining is emerging for homeowners following recent surges in mortgage borrowing costs that have caused widespread concern and contributed to the fall in house prices \u2013 latest data shows that fixed rates continue to fall from the highs following September\u2019s infamous mini-Budget, with many industry analysts forecasting that five-year fixed mortgage rates will fall back to below 4% in the New Year.<\/div>\n<div class=\"\"><\/div>\n<div class=\"\">For example, the average two-year fix, which peaked at 6.65% on 20 October, according to Moneyfacts, now stands at 6.28%, while the five-year fix, which peaked at 6.51%, now sits at 5.07 per cent. The fall is owed, in part, to the fact that gilt yields, which dictate the cost of government borrowing and impact mortgage rates, have dropped back to pre-mini-Budget levels.<\/div>\n<div class=\"\"><\/div>\n<div class=\"\">Market projections for how high interest rates will go next year have also fallen sharply, with many lenders expecting the base rate to peak at 4.5%, 1.5% lower than predicted in the wake of the September\u2019s mini-Budget \u2013 however, with inflation remaining very high, further interest rates should\u2019t be ruled out completely.<\/div>\n<div class=\"\"><\/div>\n<div class=\"\"><b class=\"\">If you or a friend or family member has a mortgage or remortgage situation on the horizon, we are able to secure mortgage deals for our clients up to 8 months in advance of their current deal ending, with no commitment to take it if circumstances change, or if rates improve, during that time.\u00a0 To talk though your options, please contact Steve Padgham via e-mail at\u00a0<\/b><a class=\"\" href=\"mailto:Steve.Padgham@fpgonline.co.uk\"><span class=\"\"><b class=\"\">Steve.Padgham@fpgonline.co.uk<\/b><\/span><\/a><b class=\"\">\u00a0or by calling 020 8614 4782.<\/b><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Silver lining is emerging for homeowners following recent surges in mortgage borrowing costs that have caused widespread concern and contributed to the fall in house prices \u2013 latest data shows that fixed rates continue to fall from the highs following September\u2019s infamous mini-Budget, with many industry analysts forecasting that five-year fixed mortgage rates will fall [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2958","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fixed Mortgage Rates Could Return Below 4% In The New Year - The Financial Planning Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpgonline.co.uk\/index.php\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fixed Mortgage Rates Could Return Below 4% In The New Year - The Financial Planning Group\" \/>\n<meta property=\"og:description\" content=\"Silver lining is emerging for homeowners following recent surges in mortgage borrowing costs that have caused widespread concern and contributed to the fall in house prices \u2013 latest data shows that fixed rates continue to fall from the highs following September\u2019s infamous mini-Budget, with many industry analysts forecasting that five-year fixed mortgage rates will fall [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fpgonline.co.uk\/index.php\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\/\" \/>\n<meta property=\"og:site_name\" content=\"The Financial Planning Group\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-22T09:03:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-19T09:49:14+00:00\" \/>\n<meta name=\"author\" content=\"fpgonline\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"fpgonline\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\\\/\"},\"author\":{\"name\":\"fpgonline\",\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/#\\\/schema\\\/person\\\/ca7cc77e66f7465100af51d9355d408c\"},\"headline\":\"Fixed Mortgage Rates Could Return Below 4% In The New Year\",\"datePublished\":\"2022-11-22T09:03:28+00:00\",\"dateModified\":\"2023-09-19T09:49:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/fixed-mortgage-rates-could-return-below-4-in-the-new-year\\\/\"},\"wordCount\":254,\"commentCount\":0,\"articleSection\":[\"Latest News &amp; 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