Feature article
Mortgage rate decisions a key theme for 2025
To fix or not to fix
AI summary
The key mortgage theme for 2025 is the decision between short and long-term fixed rates. Currently, most borrowers favour short-term fixes or floating rates to capitalise on falling rates.
However, the pivotal question is when borrowers will see value in fixing for longer again. With a sense that longer-term rates may not fall much further, timing this shift will be a crucial decision. Keep an eye on DTI caps as another emerging factor in lending discussions.
However, there are a number of other interesting aspects to these figures:
Which brings us to the key question facing borrowers: to fix or not to fix?
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