大家给看看，这英格兰银行的基本利率会怎么变呢

至于选什么应该基于你本身的情况，比如灵活性和几年后的打算等等。至于基本利率。。。去教堂问上帝吧，估计只有他知道

都说要升呢, 现在我还后悔去年没fix个五年.
看看专家怎么说, Anyway,从lender的利率是可以嗅到央行汇率要上调了.



Mortgage lenders predict 7% rise in house prices


House prices are set to rise seven per cent this year, according to the latest prediction from the Council of Mortgage Lenders (CML).

In February, the CML was predicting that house prices would rise just two per cent in 2006, but stronger than expected increases in the first part of the year have forced the group to more than triple its estimate.

But this is not all good news for homeowners, as the stronger property market is one of the factors that leads the CML to predict interest rates will rise to 4.75 per cent.

This will increase the cost of mortgages, leading to rises in mortgage arrears and repossessions.

And higher mortgage costs will limit house price rises - with the CML estimating the average UK property value will increase just three per cent in 2007.

"The immediate signs are that demand will remain robust over the next few months. But we take the view that confidence and activity are closely associated with interest rate movements and expectations," said Jim Cunningham, CML senior economist and author of the forecasts.

"The small rise in short-term interest rates expected in the second half of this year and the rise in fixed-term rates that we have already seen is likely to result in a modest fall in the level of transactions in the second half of this year, and we expect this to continue into 2007.

"At this distance, prospects for 2008 look brighter.

"The more benign inflation outlook is expected to result in lower interest rates by early 2008. This in turn should support demand from home-buyers and buy-to-let investors and result in firmer house price growth."

同意Tedtango的看法! 拿个FIXED比较安心

我觉得FIX最好的地方是可预见将来的一段时间内自己会付出多少，可以合理的安排好自己的预算不至于到时候手忙脚乱

I want to know also. which is better

你们fixed 了几年的?

谢谢大家意见。决定安心睡它两年觉再说。FIXED两年。
目前感觉BOE会略微上升基准利率，虽不肯定，但已经在造势。本人做决定的另一个出发点是FIXED和TRACKER的利率差不大，如果基本利率上扬，则FIXED划算。目前似乎还不会觉得基率会下调，否则。。。，呵呵，不管了。反正知道每月出多少了。

看你们打算在这里住几年了，fixed时间内你不能换lender,换了要罚款。 我就只fix 2年，因为没打算住5年，毁约要赔1000多胖子，不值。

fix期内如果你搬家也可以把mortgage转走，没有penalty

I do not think so, you better check with your lender, depends on lender.

我申请的时候就double check过了，我说的把mortgage转走是把同一个lender转到新房子上，而不是换lender。