'Fix rates now' to manage debt
'Fix rates now' to manage debt
- Thursday, 11 June 2009Britons looking to fixed-rate mortgages as a means of
debt management have been told that it could be now or never if they want to get the best deal.
Ray Boulger, senior technical manager at mortgage broker John Charcol, explains that recent days have seen swap rates increase.
These are typically used as a reference point for mortgages - and lead him to anticipate that the major lenders will raise their fixed-rate mortgage costs as a result.
His advice could encourage those looking to fix their mortgage rates as a means of debt management into action.
But for those who do miss the opportunity, it could become more difficult to
manage debt should they need to remortgage at a higher rate.
Already Mr Boulger notes some increases in the market - including a 0.86 per cent hike on Nationwide's five-year fixed-rate deals.
For households with a £200,000 balance outstanding on their mortgage, he notes that the monthly increase in outgoings as a result of the hike could reach £143.33.

Recent Debt Management Plan News
56% of Brits have no life insurance which could leave family with debt problems
Wed, 04 May 2011More than half of UK adults currently have no life insurance cover, which could mean their loved ones are left with
debt problems when they die...
Brits thinking about retirement advised to seek debt advice
Tue, 03 May 2011Consumers considering their retirement options have been advised to seek professional advice, as they may end up with
debt problems in the future...
Brits planning to attend a wedding should start saving to avoid debt problems
Thu, 28 Apr 2011Consumers concerned about getting into
credit card debt to pay to attend a wedding may want to use their savings instead...
Couples planning their big day can avoid debt problems by negotiating a cheap wedding
Wed, 27 Apr 2011Couples-to-be worried about needing
debt advice in the future after paying for a wedding can ensure they avoid accruing
debt problems by negotiating a cheap wedding...