Should UK property investors fix their mortgage rates now or wait for potential further interest rate drops?
Quick Answer
Fixing BTL mortgage rates offers payment certainty and protection against rising interest rates, mitigating stress test impacts. However, waiting could yield lower rates if the Bank of England base rate drops, though this introduces uncertainty and potential for increased payments.
About This Topic
Weigh whether to fix UK BTL mortgage rates now (5.0-6.5%) or wait for drops. Learn about payment certainty, stress tests (125%@5.5%), and the risks of waiting.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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