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Stubbornly high inflation and the expectation of further interest rate rises add up to bad news for millions of mortgage borrowers who need to refinance in coming years.
The Financial Times has convened a panel of experts to answer your questions about refinancing or buying a property for the first time.
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Claer Barrett, the FT’s consumer editor, joins Adrian Anderson, director of mortgage broker Anderson Harris, and Sarah Pennells, consumer finance specialist at Royal London, to answer your queries.
New-buyers and remortgagers alike face difficult decisions over how long to fix or re-fix for, and the factors that can work in their favour when searching for the best deal. You might have questions about what options could be open to you — and how this could affect your credit score.
The FT is also interested in hearing from buy-to-let landlords and renters, and the pressures they are facing as rates climb higher. Plus, if you’re in the lucky position of having locked into a low rate, you might want to ask about the merits of overpaying your mortgage.
Leave your question in the online comments below this story, and the experts will tackle them until 1pm GMT today. Please note that the panel’s responses are their personal opinions, and are not intended as individual financial advice or a product recommendation.
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