Mortgage Rates Payment Calculator UK

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Mortgage article 21:Survey Shows Borrower Preferences for Different Mortgage Deals; page 2

A decline in the popularity of annual review schemes, which cushion borrowers from short-term fluctuations 
in interest rates and may help their financial planning over the year. Less than a quarter of the UK's 11 
million mortgages are now reviewed annually, compared with around one-third in 1999.

The continuing popularity of fixed rate loans, which account for more than a quarter of all mortgages by 
volume, and slightly more by value. But while this suggests that those borrowing larger sums may be 
attracted by a desire for long-term security about the size of their future mortgage payments, fixed 
rate deals typically last only for between two and five years.

Capped rate lending has become less popular since the last CML survey in 1999. This could indicate 
that borrowers believe that interest rates are now less likely to rise to the higher levels seen in 
the past, and are therefore less concerned about protecting themselves from the effects. Next page



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