Helen Crane

So if you do need a mortgage, though, in the immediate term, obviously...

Speak to a broker is really good advice.

When things are changing so quickly, they'll have a direct line to the lenders.

They'll know what the best rate is and also what suits you best.

So do you need a two year?

Do you need a five year?

Should you pay a fee?

Should you even consider a tracker, which is something that.

some people are considering right now.

So those are mortgages which are linked to the base rate, go up when it goes up and go down when it goes down.

Obviously, seems a risky move at the minute because rates might go up.

But before they do, some people are considering a tracker as kind of a stopgap because they're actually cheaper than a lot of fixed mortgages now.

And you can normally get off them at any time.

So

If you're considering one of these niche moves, brokers are really helpful.

A really good time to look at your savings as well.

Check there in the best account possible.

When the base rate doesn't go down, savings rates tend to stay the same.

And there are still some really, really good savings.

rates out there sort of close to four and a half percent on easy access in some cases you know fixed rate accounts as well looking quite good at the moment and obviously we've got a fresh ISA allowance as well so do make sure that you're making the most of your tax-free savings allowance definitely still worth looking at savings accounts and switching where you can.