看到的是大都是2年2.89多；5年的>3.1，还有那些银行比较低利率吗？
明年可能会Peak，估计还得
两次。
赶紧定个吧，感觉今年明年都还要升。我定的时候2.79，现在都升了，后悔当时没定5年了。
定期存款利息都有2.7了 不能贷款比这还低吧
我看新闻说现在租房比买房要便宜了。
Rate rise makes it cheaper to rent than buy
Renting a home is now cheaper than buying following the Bank of England’s interest rate rise, new figures reveal. Until last week it was on average £40 a month cheaper to pay for a mortgage with a 10% deposit than it was to rent the same home. But following the rate rise, Hamptons found that it is now up to £98 a month cheaper to rent than buy. "Rising interest rates are set to swing the scales for would-be first-time buyers. This is a reversal of pre-pandemic times when the average buyer saved nearly £800 a year by owning rather than renting,” said Aneisha Beveridge, head of research at the firm. The research shows that across the country renting has gone from being an average of £40 more expensive a month for those with a 10% deposit to £1 cheaper a month than buying. There are significant regional differences though, with it generally being cheaper to rent than buy further south, while further north it tends to be cheaper to buy than rent. In the east of England it is now £98 a month cheaper to rent than buy while in Scotland it is £176 a month more expensive to rent. For buyers with a 5% deposit, the base rate rise means it will be £105 per month more expensive to buy than rent, up from £59 in May 2022. “Over the next year or so we expect several further small interest rate rises, with mortgage rates set to peak around the middle of 2023, which will add to the cost of buying in cash terms,” Ms Beveridge said. “We also expect rental growth to slow later in the year as rising living costs squeeze affordability. By this point it will mean that for new buyers with smaller deposits, the monthly cost of purchasing a home will be significantly higher than renting one.”
短短不到一个月，利率涨了这么多
我刚拿钥匙，2.49% 利率，5年fixed。 我情况比较复杂，中介推荐的broker，500手续费。
不过我近期还要remortgage一套，完犊子了，不知道要多少利率了。
提早lock利率比晚好，早一天利率可能都不一样。弄到后来根大家说说张成啥样了。
借楼主帖子问问，我一个月前申请的那时是2. 4%但最近突然和我说贷不了那么多钱，好像老问很多问题，搞不懂为什么，但现在现在听朋友说到2.79，请教懂内行的朋友。
1 那是不是说我一个月前2.4％5年大概率的银行会找个理由不批给我们了？我一直想他们如果这么低批的话，不是明亏吗？那就更不可能同意这个2.4％贷款了？
2要是被拒绝的话也影响我的信用，那我是不是应该在被拒之前自己withdraw呢？
谢谢朋友们给点建议！
Ａｉｐ的话一点用都没有
正式application making 以后，利率就是offer上的利率
如果你信用过关了，但是最终贷款拒绝你的原因就是贷款材料hard check结果不满意。
啊
是这样啊，我还不知道有hardcheck这种理由拒绝的，就是银行总能找理由拒绝批就是了，对吗？
谢谢你，那我需要问问我的broker 吗，探探他口风，问他是不是要被拒之前withdraw，但是这话好像好难开口问啊。
1 broker会在银行拒绝我之前, 大概知道银行的决定吗？如果不成的话，我好自己先withdraw啊。
2 即使我提出低利率的疑问，broker会告诉我真实情况吗？还是他会说没问题呢？
谢 谢
hard check就是对你的材料进行审核。不是光指鉴定你提供材料的真伪，还有材料里面的内容，例如你提供的银行月结单里面每一笔钱来源 。如果信息不足，还有要求申请人解释或者递交其他证明材料呢
你不用先withdrawal你的申请。
如果银行问的问题你回答不出，或者要求更多的证明材料你提供不出的话，你再终止你的贷款申请就可以了。
但是不管你申请成功不成功，只要你正式递交了贷款申请，记录都会存在credit report里面。下一个lender一看就知道的
嗯嗯
好的，谢谢你的建议