{"id":2899,"date":"2024-03-18T02:18:24","date_gmt":"2024-03-18T02:18:24","guid":{"rendered":"https:\/\/news.talkwithrattan.com\/index.php\/2024\/03\/18\/new-mortgage-deals-being-pulled-within-days\/"},"modified":"2024-03-18T02:18:24","modified_gmt":"2024-03-18T02:18:24","slug":"new-mortgage-deals-being-pulled-within-days","status":"publish","type":"post","link":"https:\/\/news.talkwithrattan.com\/index.php\/2024\/03\/18\/new-mortgage-deals-being-pulled-within-days\/","title":{"rendered":"New mortgage deals being pulled within days"},"content":{"rendered":"<div style=\"text-align:center\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/ichef.bbci.co.uk\/news\/1024\/branded_news\/4F95\/production\/_128237302_rent-index-gettyimages-1384023343.jpg?resize=1024,576&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"New mortgage deals being pulled within days\" title=\"New mortgage deals being pulled within days\" \/><\/div><p> <br \/>\n<\/p>\n<div>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Everything, Mr Abbott admits, feels like a gamble at the moment. Unless rates start to fall soon, they will have to cut back on costs whichever option they choose. That means no holiday, fewer swimming lessons for the children, no gym or TV subscription.<\/p>\n<\/div>\n<p><script nonce=\"QxAqr\/4EnQpJLM+72DN\/CoefFGjmFsCpYJtU2ZGxPvvLdLZvvm\">window.__INITIAL_DATA__=\"{\"data\":{\"chameleon-global-navigation?country=in&language=en-GB\":{\"name\":\"chameleon-global-navigation\",\"props\":{\"country\":\"in\",\"language\":\"en-GB\"},\"data\":{\"accessibilityLinks\":[{\"label\":\"Skip to content\",\"url\":\"#main-heading\"},{\"label\":\"Accessibility Help\",\"url\":\"https:\/\/www.bbc.co.uk\/accessibility\/\"}],\"signInLabel\":\"Sign in\",\"accountLabel\":\"Your account\",\"menuLabel\":\"Menu\",\"moreLabel\":\"More\",\"moreMenuLabel\":\"More menu\",\"closeButtonLabel\":\"Close menu\",\"disclaimer\":{\"text\":\"\u00a9 2024 BBC. 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living correspondent\"}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Mortgage deals are typically on offer for just 15 days before being pulled, despite homeowners and buyers having the widest choice for 16 years.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Mortgage deals are typically on offer for just 15 days before being pulled, despite homeowners and buyers having the widest choice for 16 years.\",\"attributes\":[\"bold\"]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"This is the shortest shelf-life in six months, according to financial information service Moneyfacts.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"This is the shortest shelf-life in six months, according to financial information service Moneyfacts.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"As a result, people have little time to decide when rates are volatile.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"As a result, people have little time to decide when rates are volatile.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"One adviser said the situation was adding extra stress to a huge financial commitment and making customers feel pressured to make a decision quickly.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"One adviser said the situation was adding extra stress to a huge financial commitment and making customers feel pressured to make a decision quickly.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"\\\"When I recommend a rate - or sometimes a choice of rates - to a client, it's quite understandable and unsurprising that they want time to consider which one to apply for,\\\" said Jo Jingree, from Mortgage Confidence. \",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"\\\"When I recommend a rate - or sometimes a choice of rates - to a client, it's quite understandable and unsurprising that they want time to consider which one to apply for,\\\" said Jo Jingree, from Mortgage Confidence. \",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"\\\"Some lenders only give a few hours' notice of a rate change. That creates a situation which is less than ideal because taking out a mortgage can be a huge financial commitment that could impact them for years to come.\\\"\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"\\\"Some lenders only give a few hours' notice of a rate change. That creates a situation which is less than ideal because taking out a mortgage can be a huge financial commitment that could impact them for years to come.\\\"\",\"attributes\":[]}}]}}]}},{\"type\":\"subheadline\",\"model\":{\"blocks\":[{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Decision time\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Decision time\",\"attributes\":[]}}]}}]}}],\"level\":2,\"fontScale\":\"headlineSmall\",\"id\":\"Decision-time\",\"isFocusable\":true}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"The interest rate on a fixed mortgage does not change until the deal expires, usually after two or five years, and a new one is chosen to replace it. Doing nothing would leave people on a variable rate, which is very expensive.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"The interest rate on a fixed mortgage does not change until the deal expires, usually after two or five years, and a new one is chosen to replace it. 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rel=\\\"stylesheet\\\" href=\\\"https:\/\/news.files.bbci.co.uk\/include\/newsspec\/34996-mortgage-calculator\/assets\/embed\/css\/inline.css??v=1.0.202401050908.undefined\\\">\\n\\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app\\\" class=\\\"bbc-news-vj-embed-wrapper\\\">\\n    \\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\\\">\\n        \\u003cnoscript>\\n            \\u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\\u003c\/p>\\n        \\u003c\/noscript>\\n        \\u003cdiv class=\\\"mortgage-calc__content-container\\\" style=\\\"display:none;\\\">\\n            \\u003ch2 id=\\\"lookup-header\\\">How much could my mortgage go up by?\\u003c\/h2>\\n            \\u003cform id=\\\"mortgage-calc\\\" class=\\\"width-restrict\\\" aria-label=\\\"How much could my mortgage go up by?\\\">\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_1\\\">How much are you borrowing?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-1\\\" aria-label=\\\"More info on borrowing\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-1\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-1\\\">If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_1\\\"\\n                                name=\\\"form_input_1\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"160000\\\"\\n                                min=\\\"0\\\"  \\n                                max=\\\"10000000\\\"\\n                                data-default=\\\"160000\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"increase \u00a3\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"decrease \u00a3\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">\u00a3\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_2\\\">How long will you take to pay it back?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-2\\\" aria-label=\\\"More info on repayment periods\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-2\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-2\\\">If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_2\\\"\\n                                name=\\\"form_input_2\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"20\\\"\\n                                min=\\\"1\\\"  \\n                                max=\\\"50\\\"\\n                                data-default=\\\"20\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"increase years\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"decrease years\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">years\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"radio__container\\\">\\n                            \\u003cfieldset>\\n                                \\u003cdiv class=\\\"label__container\\\">\\n                                    \\u003clegend class=\\\"label__input\\\">What is your current...\\u003c\/legend>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-3\\\" aria-label=\\\"More info on interest rates\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-3\\\">\\n                                                \\u003cdiv class=\\\"info-box__text\\\">For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank&#x27;s mortgage rate calculator.\\u003c\/div>\\n                                        \\u003c\/div>\\n                                \\u003c\/div>\\n                                \\u003cdiv class=\\\"radio__group\\\">\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"interest\\\" name=\\\"format-selector\\\" value=\\\"interest\\\" checked=\\\"true\\\">\\n                                        \\u003clabel for=\\\"interest\\\">interest rate\\u003c\/label>\\n                                    \\u003c\/div>\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"monthly\\\" name=\\\"format-selector\\\" value=\\\"monthly\\\">\\n                                        \\u003clabel for=\\\"monthly\\\">monthly payment\\u003c\/label>\\n                                    \\u003c\/div>\\n                                \\u003c\/div>\\n                            \\u003c\/fieldset>\\n                            \\n                            \\u003cdiv class=\\\"label__container\\\">\\n                                \\u003clabel class=\\\"label__input off-screen\\\" for=\\\"form_radio_input_1\\\">interest rate\\u003c\/label>\\n                            \\u003c\/div>\\n                            \\n                            \\u003cdiv class=\\\"input__container input__container--radio\\\">\\n                                 \\u003cinput id=\\\"form_radio_input_1\\\"\\n                                    name=\\\"form_radio_input_1\\\" \\n                                    type=\\\"number\\\"\\n                                    value=\\\"2.00\\\"\\n                                    min=\\\"0.50\\\"  \\n                                    max=\\\"10.50\\\"\\n                                    data-default=\\\"2.00\\\"\\n                                    step=\\\"any\\\"\\n                                    required=\\\"required\\\"\\n                                >\\n                            \\n                                 \\u003cdiv class=\\\"input__btn-container\\\">\\n                                     \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                     \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                                 \\u003c\/div>\\n                                 \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                             \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_3\\\">Choose an interest rate to compare with\u2026\\u003c\/label>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_3\\\"\\n                                name=\\\"form_input_3\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"5.80\\\"\\n                                min=\\\"0.10\\\"  \\n                                max=\\\"100.00\\\"\\n                                data-default=\\\"5.80\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                         \\u003c\/div>\\n                \\u003cinput class=\\\"submit-btn\\\" type=\\\"submit\\\" value=\\\"Calculate\\\" \/>\\n            \\u003c\/form>\\n            \\u003cdiv class=\\\"results__container--figures\\\" aria-hidden=\\\"true\\\">\\n                \\u003cdiv class=\\\"width-restrict\\\">\\n                    \\u003cp class=\\\"results__para\\\">At this rate, your payments could change by\u2026\\u003c\/p>\\n                    \\u003cdiv class=\\\"results__figures\\\">\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-increase\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly change\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure--to\\\">to\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-total\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly total\\u003c\/p>\\n                    \\u003c\/div>\\n                \\u003c\/div>\\n            \\u003c\/div>\\n            \\u003cp class=\\\"results--off-screen off-screen\\\">\\u003c\/p>\\n            \\u003cdiv class=\\\"results__container--repayment-estimate\\\">\\n                \\u003cp class=\\\"results__estimate width-restrict\\\">\\u003c\/p>\\n            \\u003c\/div>\\n            \\u003cdiv class=\\\"results__container--error\\\">\\n                \\u003cp class=\\\"results__error\\\">The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c\/p>\\n            \\u003c\/div>\\n             \\u003cdiv class=\\\"disclaimer\\\">\\n                    \\u003cp class=\\\"disclaimer-para\\\">This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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year.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"There has been huge upheaval in the mortgage market, not least after the mini-budget of September 2022, during the premiership of Liz Truss, and with plummeting activity from buyers last year.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Homeowners actually repaid more money on mortgages than they took out in new lending in the year to January - the first time this has happened since comparable records from the Bank of England began 30 years ago.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Homeowners actually repaid more money on mortgages than they took out in new lending in the year to January - the first time this has happened since comparable records from the Bank of England began 30 years ago.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Mortgage broker Aaron Strutt, from Trinity Financial, said some calmness had returned, but the average interest rate had been going back up.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Mortgage broker Aaron Strutt, from Trinity Financial, said some calmness had returned, but the average interest rate had been going back up.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"\\\"It is good news that borrowers have so many [mortgage deals] to choose from again. The only shame is that they are so much more expensive than they were,\\\" he said.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"\\\"It is good news that borrowers have so many [mortgage deals] to choose from again. The only shame is that they are so much more expensive than they were,\\\" he said.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"The average rate of a two-year fixed deal is now 5.8%, according to Moneyfacts. This had been well above 6% late last year, fell to 5.55% in late January, but has been creeping up since.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"The average rate of a two-year fixed deal is now 5.8%, according to Moneyfacts. This had been well above 6% late last year, fell to 5.55% in late January, but has been creeping up since.\",\"attributes\":[]}}]}}]}},{\"type\":\"image\",\"model\":{\"image\":{\"alt\":\"Banner saying 'Get in touch'\",\"copyright\":null,\"height\":244.26666666666668,\"width\":2048,\"src\":\"https:\/\/ichef.bbci.co.uk\/news\/2048\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png\",\"srcSet\":\"https:\/\/ichef.bbci.co.uk\/news\/240\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 240w, https:\/\/ichef.bbci.co.uk\/news\/320\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 320w, https:\/\/ichef.bbci.co.uk\/news\/480\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 480w, https:\/\/ichef.bbci.co.uk\/news\/624\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 624w, https:\/\/ichef.bbci.co.uk\/news\/800\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 800w, https:\/\/ichef.bbci.co.uk\/news\/976\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png.webp 976w\",\"mimeType\":\"image\/webp\",\"fallbackSrcSets\":[{\"mimeType\":\"image\/png\",\"srcSet\":\"https:\/\/ichef.bbci.co.uk\/news\/240\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 240w, https:\/\/ichef.bbci.co.uk\/news\/320\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 320w, https:\/\/ichef.bbci.co.uk\/news\/480\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 480w, https:\/\/ichef.bbci.co.uk\/news\/624\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 624w, https:\/\/ichef.bbci.co.uk\/news\/800\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 800w, https:\/\/ichef.bbci.co.uk\/news\/976\/cpsprodpb\/1739F\/production\/_113753159_yqa_get_in_touch_top_no_yqa_text_640-nc.png 976w\"}]}}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Is your mortgage up for renewal this year? Are you concerned about rising costs? Perhaps you're struggling to get on to the property ladder? Share your experiences by emailing haveyoursay@bbc.co.uk.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Is your mortgage up for renewal this year? Are you concerned about rising costs? Perhaps you're struggling to get on to the property ladder? Share your experiences by emailing \",\"attributes\":[\"bold\"]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"haveyoursay@bbc.co.uk\",\"locator\":\"mailto:haveyoursay@bbc.co.uk?subject=Mortgage68574065\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"haveyoursay@bbc.co.uk\",\"attributes\":[]}}]}},{\"type\":\"fragment\",\"model\":{\"text\":\".\",\"attributes\":[\"bold\"]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Please include a contact number if you are willing to speak to a BBC journalist. You can also get in touch in the following ways:\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Please include a contact number if you are willing to speak to a BBC journalist. You can also get in touch in the following ways:\",\"attributes\":[]}}]}}]}},{\"type\":\"unorderedList\",\"model\":{\"blocks\":[{\"type\":\"listItem\",\"model\":{\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"WhatsApp: \",\"attributes\":[]}},{\"type\":\"fragment\",\"model\":{\"text\":\"+44 7756 165803\",\"attributes\":[\"bold\"]}}]}},{\"type\":\"listItem\",\"model\":{\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Tweet: \",\"attributes\":[]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"@BBC_HaveYourSay\",\"locator\":\"http:\/\/twitter.com\/BBC_HaveYourSay\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"@BBC_HaveYourSay\",\"attributes\":[]}}]}}]}},{\"type\":\"listItem\",\"model\":{\"blocks\":[{\"type\":\"urlLink\",\"model\":{\"text\":\"Upload pictures or video\",\"locator\":\"https:\/\/tinyurl.com\/e66rejtn\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Upload pictures or video\",\"attributes\":[]}}]}}]}},{\"type\":\"listItem\",\"model\":{\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Please read our \",\"attributes\":[]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"terms & conditions\",\"locator\":\"http:\/\/www.bbc.co.uk\/usingthebbc\/terms\/\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"terms & conditions\",\"attributes\":[]}}]}},{\"type\":\"fragment\",\"model\":{\"text\":\" and \",\"attributes\":[]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"privacy policy\",\"locator\":\"http:\/\/www.bbc.co.uk\/usingthebbc\/privacy-policy\/\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"privacy policy\",\"attributes\":[]}}]}}]}}]}},{\"type\":\"include\",\"model\":{\"type\":\"vj\",\"href\":\"\/news\/special\/2016\/newsspec_14641\/curiosity.inc?responsive=true&id=41933&service=bbc-ugc\",\"html\":\"\\n  \\n  \\n  \\n  \\u003cdiv id=\\\"hearken-curiosity-41933\\\" class=\\\"curiosity-module\\\" style=\\\"margin-top: 1.5em;\\\">\\u003c\/div>\\n  \\u003cscript>\\n  (function() {\\n      var params = ['pa=f'];\\n      var allowedCookiesPreferences = ['110', '111'];\\n\\n      function getCookiePreference() {\\n          var cookieMatch = document.cookie.match(\/ckns_policy=([^\\\\;]*)\/);\\n          return cookieMatch ? cookieMatch[1] : '';\\n      }\\n\\n      function getSrc() {\\n          return 'https:\/\/modules.wearehearken.eu\/bbc-ugc\/embed\/41933.js?' + params.join('&');\\n      }\\n\\n      function createScript() {\\n          var scriptEl = document.createElement('script');\\n          scriptEl.setAttribute('src', getSrc());\\n          scriptEl.setAttribute('async', 'async');\\n\\n          return scriptEl;\\n      }\\n\\n      if (allowedCookiesPreferences.indexOf(getCookiePreference()) === -1) {\\n          params.push('nocookies=true');\\n      }\\n\\n      document.getElementById('hearken-curiosity-41933').appendChild(createScript());\\n})();\\n\\u003c\/script>\\n\\n\"}},{\"type\":\"include\",\"model\":{\"type\":\"vj\",\"href\":\"\/news\/special\/2014\/newsspec_8945\/content\/hide-app-text-after.inc?responsive=true\",\"html\":\"\\u003c\/div>\"}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"If you are reading this page and can't see the form you will need to visit the mobile version of the BBC website to submit your question or comment or you can email us at HaveYourSay@bbc.co.uk. Please include your name, age and location with any submission. \",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"If you are reading this page and can't see the form you will need to visit the mobile version of the \",\"attributes\":[]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"BBC website\",\"locator\":\"https:\/\/www.bbc.co.uk\/news\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"BBC website\",\"attributes\":[]}}]}},{\"type\":\"fragment\",\"model\":{\"text\":\" to submit your question or comment or you can email us at \",\"attributes\":[]}},{\"type\":\"urlLink\",\"model\":{\"text\":\"HaveYourSay@bbc.co.uk\",\"locator\":\"mailto:Haveyoursay@bbc.co.uk\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"HaveYourSay@bbc.co.uk\",\"attributes\":[]}}]}},{\"type\":\"fragment\",\"model\":{\"text\":\". 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rel=\\\"stylesheet\\\" href=\\\"https:\/\/news.files.bbci.co.uk\/include\/newsspec\/34996-mortgage-calculator\/assets\/embed\/css\/inline.css??v=1.0.202401050908.undefined\\\">\\n\\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app\\\" class=\\\"bbc-news-vj-embed-wrapper\\\">\\n    \\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\\\">\\n        \\u003cnoscript>\\n            \\u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\\u003c\/p>\\n        \\u003c\/noscript>\\n        \\u003cdiv class=\\\"mortgage-calc__content-container\\\" style=\\\"display:none;\\\">\\n            \\u003ch2 id=\\\"lookup-header\\\">How much could my mortgage go up by?\\u003c\/h2>\\n            \\u003cform id=\\\"mortgage-calc\\\" class=\\\"width-restrict\\\" aria-label=\\\"How much could my mortgage go up by?\\\">\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_1\\\">How much are you borrowing?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-1\\\" aria-label=\\\"More info on borrowing\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-1\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-1\\\">If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_1\\\"\\n                                name=\\\"form_input_1\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"160000\\\"\\n                                min=\\\"0\\\"  \\n                                max=\\\"10000000\\\"\\n                                data-default=\\\"160000\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"increase \u00a3\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"decrease \u00a3\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">\u00a3\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_2\\\">How long will you take to pay it back?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-2\\\" aria-label=\\\"More info on repayment periods\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-2\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-2\\\">If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_2\\\"\\n                                name=\\\"form_input_2\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"20\\\"\\n                                min=\\\"1\\\"  \\n                                max=\\\"50\\\"\\n                                data-default=\\\"20\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"increase years\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"decrease years\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">years\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"radio__container\\\">\\n                            \\u003cfieldset>\\n                                \\u003cdiv class=\\\"label__container\\\">\\n                                    \\u003clegend class=\\\"label__input\\\">What is your current...\\u003c\/legend>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-3\\\" aria-label=\\\"More info on interest rates\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-3\\\">\\n                                                \\u003cdiv class=\\\"info-box__text\\\">For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank&#x27;s mortgage rate calculator.\\u003c\/div>\\n                                        \\u003c\/div>\\n                                \\u003c\/div>\\n                                \\u003cdiv class=\\\"radio__group\\\">\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"interest\\\" name=\\\"format-selector\\\" value=\\\"interest\\\" checked=\\\"true\\\">\\n                                        \\u003clabel for=\\\"interest\\\">interest rate\\u003c\/label>\\n                                    \\u003c\/div>\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"monthly\\\" name=\\\"format-selector\\\" value=\\\"monthly\\\">\\n                                        \\u003clabel for=\\\"monthly\\\">monthly payment\\u003c\/label>\\n                                    \\u003c\/div>\\n                                \\u003c\/div>\\n                            \\u003c\/fieldset>\\n                            \\n                            \\u003cdiv class=\\\"label__container\\\">\\n                                \\u003clabel class=\\\"label__input off-screen\\\" for=\\\"form_radio_input_1\\\">interest rate\\u003c\/label>\\n                            \\u003c\/div>\\n                            \\n                            \\u003cdiv class=\\\"input__container input__container--radio\\\">\\n                                 \\u003cinput id=\\\"form_radio_input_1\\\"\\n                                    name=\\\"form_radio_input_1\\\" \\n                                    type=\\\"number\\\"\\n                                    value=\\\"2.00\\\"\\n                                    min=\\\"0.50\\\"  \\n                                    max=\\\"10.50\\\"\\n                                    data-default=\\\"2.00\\\"\\n                                    step=\\\"any\\\"\\n                                    required=\\\"required\\\"\\n                                >\\n                            \\n                                 \\u003cdiv class=\\\"input__btn-container\\\">\\n                                     \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                     \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                                 \\u003c\/div>\\n                                 \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                             \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_3\\\">Choose an interest rate to compare with\u2026\\u003c\/label>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_3\\\"\\n                                name=\\\"form_input_3\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"5.80\\\"\\n                                min=\\\"0.10\\\"  \\n                                max=\\\"100.00\\\"\\n                                data-default=\\\"5.80\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                         \\u003c\/div>\\n                \\u003cinput class=\\\"submit-btn\\\" type=\\\"submit\\\" value=\\\"Calculate\\\" \/>\\n            \\u003c\/form>\\n            \\u003cdiv class=\\\"results__container--figures\\\" aria-hidden=\\\"true\\\">\\n                \\u003cdiv class=\\\"width-restrict\\\">\\n                    \\u003cp class=\\\"results__para\\\">At this rate, your payments could change by\u2026\\u003c\/p>\\n                    \\u003cdiv class=\\\"results__figures\\\">\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-increase\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly change\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure--to\\\">to\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-total\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly total\\u003c\/p>\\n                    \\u003c\/div>\\n                \\u003c\/div>\\n            \\u003c\/div>\\n            \\u003cp class=\\\"results--off-screen off-screen\\\">\\u003c\/p>\\n            \\u003cdiv class=\\\"results__container--repayment-estimate\\\">\\n                \\u003cp class=\\\"results__estimate width-restrict\\\">\\u003c\/p>\\n            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It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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rel=\\\"stylesheet\\\" href=\\\"https:\/\/news.files.bbci.co.uk\/include\/newsspec\/34996-mortgage-calculator\/assets\/embed\/css\/inline.css??v=1.0.202401050908.undefined\\\">\\n\\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app\\\" class=\\\"bbc-news-vj-embed-wrapper\\\">\\n    \\u003cdiv id=\\\"responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\\\">\\n        \\u003cnoscript>\\n            \\u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\\u003c\/p>\\n        \\u003c\/noscript>\\n        \\u003cdiv class=\\\"mortgage-calc__content-container\\\" style=\\\"display:none;\\\">\\n            \\u003ch2 id=\\\"lookup-header\\\">How much could my mortgage go up by?\\u003c\/h2>\\n            \\u003cform id=\\\"mortgage-calc\\\" class=\\\"width-restrict\\\" aria-label=\\\"How much could my mortgage go up by?\\\">\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_1\\\">How much are you borrowing?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-1\\\" aria-label=\\\"More info on borrowing\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-1\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-1\\\">If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_1\\\"\\n                                name=\\\"form_input_1\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"160000\\\"\\n                                min=\\\"0\\\"  \\n                                max=\\\"10000000\\\"\\n                                data-default=\\\"160000\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"increase \u00a3\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_1\\\" aria-label=\\\"decrease \u00a3\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">\u00a3\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_2\\\">How long will you take to pay it back?\\u003c\/label>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-2\\\" aria-label=\\\"More info on repayment periods\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-2\\\">\\n                                                \\u003cdiv class=\\\"info-box__text info-button-2\\\">If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c\/div>\\n                                        \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_2\\\"\\n                                name=\\\"form_input_2\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"20\\\"\\n                                min=\\\"1\\\"  \\n                                max=\\\"50\\\"\\n                                data-default=\\\"20\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"increase years\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_2\\\" aria-label=\\\"decrease years\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">years\\u003c\/span>\\n                         \\u003c\/div>\\n                        \\u003cdiv class=\\\"radio__container\\\">\\n                            \\u003cfieldset>\\n                                \\u003cdiv class=\\\"label__container\\\">\\n                                    \\u003clegend class=\\\"label__input\\\">What is your current...\\u003c\/legend>\\n                                        \\u003cbutton class=\\\"label__info-btn\\\" data-id=\\\"info-button-3\\\" aria-label=\\\"More info on interest rates\\\">\\u003c\/button>\\n                                        \\u003cdiv class=\\\"info-box info-button-3\\\">\\n                                                \\u003cdiv class=\\\"info-box__text\\\">For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank&#x27;s mortgage rate calculator.\\u003c\/div>\\n                                        \\u003c\/div>\\n                                \\u003c\/div>\\n                                \\u003cdiv class=\\\"radio__group\\\">\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"interest\\\" name=\\\"format-selector\\\" value=\\\"interest\\\" checked=\\\"true\\\">\\n                                        \\u003clabel for=\\\"interest\\\">interest rate\\u003c\/label>\\n                                    \\u003c\/div>\\n                                    \\u003cdiv class=\\\"input-container\\\">\\n                                        \\u003cinput class=\\\"radio-input\\\" type=\\\"radio\\\" id=\\\"monthly\\\" name=\\\"format-selector\\\" value=\\\"monthly\\\">\\n                                        \\u003clabel for=\\\"monthly\\\">monthly payment\\u003c\/label>\\n                                    \\u003c\/div>\\n                                \\u003c\/div>\\n                            \\u003c\/fieldset>\\n                            \\n                            \\u003cdiv class=\\\"label__container\\\">\\n                                \\u003clabel class=\\\"label__input off-screen\\\" for=\\\"form_radio_input_1\\\">interest rate\\u003c\/label>\\n                            \\u003c\/div>\\n                            \\n                            \\u003cdiv class=\\\"input__container input__container--radio\\\">\\n                                 \\u003cinput id=\\\"form_radio_input_1\\\"\\n                                    name=\\\"form_radio_input_1\\\" \\n                                    type=\\\"number\\\"\\n                                    value=\\\"2.00\\\"\\n                                    min=\\\"0.50\\\"  \\n                                    max=\\\"10.50\\\"\\n                                    data-default=\\\"2.00\\\"\\n                                    step=\\\"any\\\"\\n                                    required=\\\"required\\\"\\n                                >\\n                            \\n                                 \\u003cdiv class=\\\"input__btn-container\\\">\\n                                     \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                     \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_radio_input_1\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                                 \\u003c\/div>\\n                                 \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                             \\u003c\/div>\\n                        \\u003c\/div>\\n                        \\u003cdiv class=\\\"label__container\\\">\\n                            \\u003clabel class=\\\"label__input \\\" for=\\\"form_input_3\\\">Choose an interest rate to compare with\u2026\\u003c\/label>\\n                        \\u003c\/div>\\n                        \\n                        \\u003cdiv class=\\\"input__container \\\">\\n                             \\u003cinput id=\\\"form_input_3\\\"\\n                                name=\\\"form_input_3\\\" \\n                                type=\\\"number\\\"\\n                                value=\\\"5.80\\\"\\n                                min=\\\"0.10\\\"  \\n                                max=\\\"100.00\\\"\\n                                data-default=\\\"5.80\\\"\\n                                step=\\\"any\\\"\\n                                required=\\\"required\\\"\\n                            >\\n                        \\n                             \\u003cdiv class=\\\"input__btn-container\\\">\\n                                 \\u003cbutton class=\\\"input__btn-increment\\\" data-direction=\\\"increment\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"increase %\\\">\\u003c\/button>\\n                                 \\u003cbutton class=\\\"input__btn-decrement\\\" data-direction=\\\"decrement\\\" data-key=\\\"form_input_3\\\" aria-label=\\\"decrease %\\\">\\u003c\/button>\\n                             \\u003c\/div>\\n                             \\u003cspan class=\\\"input__number-format\\\" aria-hidden=\\\"true\\\">%\\u003c\/span>\\n                         \\u003c\/div>\\n                \\u003cinput class=\\\"submit-btn\\\" type=\\\"submit\\\" value=\\\"Calculate\\\" \/>\\n            \\u003c\/form>\\n            \\u003cdiv class=\\\"results__container--figures\\\" aria-hidden=\\\"true\\\">\\n                \\u003cdiv class=\\\"width-restrict\\\">\\n                    \\u003cp class=\\\"results__para\\\">At this rate, your payments could change by\u2026\\u003c\/p>\\n                    \\u003cdiv class=\\\"results__figures\\\">\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-increase\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly change\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure--to\\\">to\\u003c\/p>\\n                        \\u003cp class=\\\"results__figure results__figure--monthly-total\\\">\\u003cspan class=\\\"figure\\\">\\u003c\/span>\\n                            monthly total\\u003c\/p>\\n                    \\u003c\/div>\\n                \\u003c\/div>\\n            \\u003c\/div>\\n            \\u003cp class=\\\"results--off-screen off-screen\\\">\\u003c\/p>\\n            \\u003cdiv class=\\\"results__container--repayment-estimate\\\">\\n                \\u003cp class=\\\"results__estimate width-restrict\\\">\\u003c\/p>\\n            \\u003c\/div>\\n            \\u003cdiv class=\\\"results__container--error\\\">\\n                \\u003cp class=\\\"results__error\\\">The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c\/p>\\n            \\u003c\/div>\\n             \\u003cdiv class=\\\"disclaimer\\\">\\n                    \\u003cp class=\\\"disclaimer-para\\\">This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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            requireTag.type=\"text\/javascript\";\\n                requireTag.src=\"https:\/\/news.files.bbci.co.uk\/include\/vjassets\/js\/vendor\/require-2.1.20b.min.js\";\\n                requireTag.onload = initEmbed;\\n                headTag.appendChild(requireTag);\\n            } else {\\n                initEmbed();\\n            }\\n\\n                    }\\n                    else if (window.require) {\\n                        require(['istats-1'], function (istats) {\\n                            istats.log('browser does not cut the mustard', 'newsspec-nonuser');\\n                        });\\n                    }    })();\\n\\u003c\/script>\\n\"}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"There has been huge upheaval in the mortgage market, not least after the mini-budget of September 2022, during the premiership of Liz Truss, and with plummeting activity from buyers last year.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"There has been huge upheaval in the mortgage market, not least after the mini-budget of September 2022, during the premiership of Liz Truss, and with plummeting activity from buyers last year.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Homeowners actually repaid more money on mortgages than they took out in new lending in the year to January - the first time this has happened since comparable records from the Bank of England began 30 years ago.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Homeowners actually repaid more money on mortgages than they took out in new lending in the year to January - the first time this has happened since comparable records from the Bank of England began 30 years ago.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"Mortgage broker Aaron Strutt, from Trinity Financial, said some calmness had returned, but the average interest rate had been going back up.\",\"blocks\":[{\"type\":\"fragment\",\"model\":{\"text\":\"Mortgage broker Aaron Strutt, from Trinity Financial, said some calmness had returned, but the average interest rate had been going back up.\",\"attributes\":[]}}]}}]}},{\"type\":\"text\",\"model\":{\"blocks\":[{\"type\":\"paragraph\",\"model\":{\"text\":\"\\\"It is good news that borrowers have so many [mortgage deals] to choose from again. 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