Mortgage exit fees

NatWest is the latest major lender to reduce the amount of time its mortgage customers have to lock in a new rate ahead of their current deal ending, joining five other high street banks. The changes mean you've less time to insure yourself against rates rising before your existing mortgage comes to an end.

Interest rates on mainstream five-year fixed mortgage deals are set to drop below 4% this week – the first time in more than six months they've been this low from a high-street lender. Meanwhile, two-year fixes are set to fall below 4.5%. But will they get any cheaper and what, if anything, should you do about it? 

Rates on two-year fixed mortgage deals have dipped below 5% for the first time in five months. But brokers believe fixed deals could get even cheaper as the year draws to a close – so should you fix now or hold out?

Interest rates on fixed mortgage deals have been edging down over the past few weeks with some five and 10-year fixes now below 5%. Mortgage brokers have told MoneySavingExpert.com that further cuts are possible in the short term after the base rate was held at 5.25% this month, following 14 consecutive rises.

Fixing your mortgage rate for 10 years is now significantly cheaper than two and five-year deals – even the UK's only 25-year fix has a lower rate than the top two-year fix. But there are risks to locking in your mortgage for 10 years or longer. Here's what you need to know.

Interest rates on fixed mortgage deals have stopped coming down and are instead now rising again. Lenders have also begun axing their fixed mortgage deals this week – these will likely return at more expensive rates. So should you fix? 

Renters struggling to save for a deposit can now get a 100% mortgage from Skipton Building Society. It's the first no-deposit deal – that doesn't require a guarantor's backing – to launch in the UK since 2008, and MoneySavingExpert.com founder Martin Lewis says it could be a "sensible" option for some. We explain who can get it, how it works and the risks you need to watch out for below.

Lenders are still cutting interest rates on fixed mortgages despite the base rate continuing to rise. It means a significant gap has opened between the best fixes and variable deals. To help navigate the market, we've spoken to mortgage brokers and analysed what's going on to help you figure out what you should do.

Planning to fix your mortgage? You might want to wait a little while longer before doing so as you could end up paying more than you need to. That's the warning MoneySavingExpert.com founder Martin Lewis gave in the opening episode of the new series of ITV's The Martin Lewis Money Show Live.

More and more 10-year fixed mortgage deals are coming to the market, with First Direct becoming the latest to launch a product. Fixing for a decade can be done for as little as 3.33% right now and is becoming more appealing as the Bank of England base rate continues to rise. But there are pros and cons to doing so – here's what to watch out for.