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Can I change mortgages for a lower rate if the fixed term hasn't started yet?

I agreed a new mortgage last year when rates were rising quickly, but it doesn t start until next month. Can I back out for a cheaper deal, and will I be charged a penalty? ....

Imogen Sporle , Nicholas Mendes , Matt Coulson , Fran Ivens , Jeremy Hunt , Rishi Sunak , Prime Minister , Heron Financial , John Charcoal ,

How to find a good mortgage broker and the questions to ask them

Interest rates may be falling slightly, but getting the right deal for you is still far from straightforward. We explain how to choose a mortgage broker to advise you through these tricky times. ....

City Of , United Kingdom , John Charcol , Matt Coulson , Vicki Harris , Nick Mendes , Kevin Roberts , Lg Mortgage Club , Monetary Policy Committee , Heron Financial , Kensington Mortgages ,

When do lenders pull mortgage rates?

Mortgage rates are changing rapidly. Where do home buyers stand if things change before they complete, and can they ask their lender for a better deal? ....

East Sussex , United Kingdom , Matt Coulson , John Charcol Ray Boulger , Kwasi Kwarteng , Ashley Thomas , Virgin Money , Heron Financial , John Charcol ,

Is it a bad time to buy your first home?

Rates on 5% deposit mortgages are more than 6%, which will impact what first-time buyers can afford - but house prices are set to get cheaper which could boost their deposits. ....

United Kingdom , John Charcol , Matt Coulson , Hargreaves Lansdown , Ray Boulger , Hargreaves Landown , Sarah Coles , Lewis Shaw , Jane King , Shaw Financial Services , Money Facts , Ash Ridge Private , Monetary Policy Committee , Heron Financial ,