Remortgaging

If you're a Halifax or Lloyds mortgage borrower you'll soon only be able to lock in a new rate up to four months ahead of your current deal ending – down from six months. It means you've less time to insure yourself against rates rising before your existing mortgage comes to an end – though rates have been on a downward trajectory for the past few months.

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? 

Interest rates on fixed mortgage deals are expected to fall over the coming weeks, despite the Bank of England increasing the base rate to 4%. If you need a new mortgage in the coming months, we've analysed the landscape and spoken to a number of brokers to help you navigate this uncertain market.

Interest rates on fixed mortgage deals are continuing to fall with hundreds now below 5% and many closer to 4%. But with fixed mortgage rates expected to drop further, is now a good time to lock in? Below we explain what's happening, and what to consider if your deal's coming to an end. 

If you've secured a mortgage rate, but that deal hasn't yet started, it's worth checking now if you can get a cheaper rate, as many offered on new mortgages are now lower than they have been in the last few weeks. Most lenders won't charge you a fee to cancel, and a cheaper deal could save you £100s. 

If you need a new mortgage you might now be much better off sticking with your existing lender than switching to a new one. We look at the difference between 'sticking or twisting', and why the balance between the two has shifted.

Homebuyers and those looking to remortgage can now take out a five-year fixed deal that charges less than 5% interest. It's the lowest shorter-term fixed rate for new customers we've seen in a month and suggests rates have peaked following recent turbulence. Below we explain how the new deal works and how it compares. 

The cost of fixed-rate mortgage deals has started to fall, despite the Bank of England's base rate rise last week, as the volatility caused by the Government's mini-budget in September looks to have eased. Variable-rate mortgages are rising, though – here's what you need to know if you're looking to get a new deal.

Even if you are locked into your mortgage you might be able to get a new rate at today's prices with several major lenders increasing how far in advance existing borrowers can tie into new deals. The change comes as interest rates are on the rise with the base rate hitting 2.25% in September.

Mortgage broker Tembo has taken down misleading online adverts encouraging people to remortgage to repay their student loans after pressure from MoneySavingExpert.com (MSE). Two pages on the firm's website have also been removed after we told Tembo we'd report it to the financial regulator as the advice could have left many worse off.