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Mortgages Funded By Bonds

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I know very little about finance, so forgive me if I'm showing my ignorance here.

If Fanny Mae in the US were to go downhill, causing a loss of confidence in mortgage-secured bonds... and if the UK pound were to weaken on the back of lowered rates with high inflation, would not the investors that buy these bonds start "demanding a higher risk premium"? Would this cause actual mortgage rates to rise regardless of the BOE rate?

There does seem to be a very low spread between BOE and mortgate rates at the moment that you don't get in, for example, Australia. Is this due to the low risk premiums accepted by the bondholders?


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