James Kirby

How much should you get right now on your cash?

How much should you be paying on a lending arrangement, whether you're doing that for your mortgage or as an investor in property?

Let's talk to Sally Tindall.

She's the Data Insights Director at Canstar and a regular on the show.

How are you, Sally?

How are you?

Good, thank you.

Thanks for coming on this morning.

I mean, what do you think about that, first of all, that you might say emerging consensus that we have more rises ahead of us than we might have previously thought?

Well, one of the things I suppose that people want to know listening to the show is basically to translate this sort of macro picture into everyday finance.

And I'm wondering whether the banks...

In this atmosphere of escalating rate rises, are they generally putting through on the lending side, are they putting those rates through faster, those rate rises faster and more comprehensively than they are putting them through on the cash side where you might actually get some benefit from it?

Is that happening?

Is that the case?

Right.

More fully, basically.

Have you any sense of how many, in terms of the population, if you like, in terms of the audience or the customer lists of the bank, whether the majority of people are in bonus or is it a minority?

Who were in there who might get them don't make the terms.

I never heard that figure before.

Was that the surprise to you, the number of people who don't make the terms and conditions?