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Borrowing rates up, property prices down and a mortgage maelstrom to contend with - what is a homeowner with a loan deal to do for the best when they want to sell up, buy again and move on with their life?
Higher wages and lower inflation seem like good news. But combined, these factors may mean mortgage rates stay high while house prices stagnate.
Inflation has fallen again - but is still far above the Bank of England's target rate of 2 per cent
Inflation can influence whether the Bank of England increases interest rates - which have a major effect on mortgage costs
Reductions come despite heightened expectation of further tightening from Threadneedle Street