由年尾（11月ish？）開始睇樓到而家，終於落實7月如無意外將會搬入新屋啦！歷時8個月左右，途中我地都睇咗好多關於mortgage rate/ interest rate嘅變化。

好好彩，我地嘅Mortgage offer係2月左右攞到嘅，嗰陣英倫銀行（Bank of England）嘅Bank rate 由 2023年8月開始調升到嘅5.25%一路都冇變。嗰陣吹風話3-5月就會開始減息，所以嗰陣一堆銀行開始減息。以我地LTV（Loan-to-value）60%，姐係40%首期嘅最佳利率去計，我地嘅Mortgage銀行 Santander就由4.3x%減到3.94%，我地好好彩攞到呢個offer。

二月到而家我地搞買樓嘅手續都搞咗好耐，我都冇認真再去睇過個Mortgage市場嘅新聞。誰不知我一search，不得之了，我地同一個product，with product fee £999，利率已經去到4.47%！用返我個rate去計，比較之下每個月都爭咗70鎊！

真係攞去食咗去冇咁嬲！兩個人出去可以食到餐好嘅！



雖然只係我嘅case
不過都係俾大家參考下：
屋價：380 000
貸款：225 000
product fee：999
LTV：60%
貸款年期：40年

市場研究分析

背景：

interest rates：end of 2021（0.1%）➡️ Aug 2023 （5.25%）Peak‼️

Consumer Prices Index（CPI）：Oct 2022 11.1%➡️ May 2024 3.2%


average two-year and five-year fixed rate was 5.91% and 5.48% respectively on 1 May, compared with 5.8% and 5.39% at the start of April.


Economists currently expect base rates to fall to 3.5% by the end of 2025, which would imply mortgage rates remaining in and around the 4%+ range.”



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25 June 2024

查找 mortgage deal


時間來到六月尾，英倫銀行🏦Bank of England好大機會喺8月減息。有新聞指Barclays 開始減息，40% deposit 5y fixed 由5.13%變4.88%。