Report Nat West and HSBC to hike UK mortgage rates in House prices and the economy Posted 21 hours ago 7 hours ago, gruffydd said: 2.5-3.5% within the year, sadly. People don't seem to understand that we've gone through a WW2 level of disruption - a hell of a lot of volatility will flow from that, over the next few years. Literally just fixed for 5 years at 0.99%. The scariest thing about my mortgage is the redemption penalties of 5% for the full fixed term. 70% LTV max product. 10% overpayments. The link to the article seems to say that rates for small deposits have been cut slightly and all they're doing is saying they'll increase rates for those with high deposits.