Merryn Somerset Webb

Suddenly everyone has to be an expert on inflation, right?

Yeah.

What about the offset mortgage?

Are you seeing demand for that less?

Okay, so it's the lender who's finding it unattractive, not the borrower.

Yeah.

Okay, so this all seems relatively straightforward.

We have no idea what's going to happen next in terms of interest rates, so you might as well get a deal on the table, whether you are buying for the first time or whether you are remortgaging, and just keep reviewing it up until the last minute and take it from there.

But there's no point in sitting around waiting.

John, I interrupted you again.

Sorry.

Okay.

Last question.

Last question.

I'm going to ask you the impossible question.

Away from mortgages, when you look at the property market in general, and I know that you just said that maybe there are good deals around on flats for younger people who may be first time buyers, etc.

But then there are all those worries about...

Cladding, service charges, all that kind of thing around the edge.

The uncertainty about what's going to happen with leaseholds.

All these kind of things are all out there as uncertainties.