First-time buyers too are open to changing their plans. At the Treasury Committee hearing in the Commons earlier in the week, Andrew Asaam, homes director at Lloyds Banking Group – the UK’s largest mortgage lender, said: “People are either putting down a larger deposit or buying a smaller property because affordability is tighter.
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This would be a monthly total of {{var2}} pounds.\\\”,\\\”info_input_1\\\”:\\\”If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\\”,\\\”info_input_2\\\”:\\\”If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\\”,\\\”info_radio_interest\\\”:\\\”For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\\”,\\\”info_radio_monthly\\\”:\\\”For those with a mortgage enter the amount you pay for per month. For those without a mortgage enter the amount you would be paying.\\\”,\\\”disclaimer_1\\\”:\\\”This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. 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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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days.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Misery has been heaped on stretched homeowners and hopeful first-time buyers in recent days.\”,\”attributes\”:[\”bold\”]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”The cost of a mortgage has now hit a 15-year high, with the average rate on a two-year fixed deal approaching 7% – surpassing the level seen after the Liz Truss government’s mini-budget.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”The cost of a mortgage has now hit \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”a 15-year high\”,\”locator\”:\”https://www.bbc.co.uk/news/business-66153812\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”a 15-year high\”,\”attributes\”:[]}}]}},{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”, with the average rate on a two-year fixed deal approaching 7% – surpassing the level seen after the Liz Truss government’s mini-budget.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”One million people will see their mortgage bill rise by more than £500 a month by the end of 2026, the Bank of England has said.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”One million people will see their mortgage bill rise by more than £500 a month by the end of 2026, \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”the Bank of England has said\”,\”locator\”:\”https://www.bbc.co.uk/news/business-66172954\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”the Bank of England has said\”,\”attributes\”:[]}}]}},{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”image\”,\”model\”:{\”blocks\”:[{\”type\”:\”altText\”,\”model\”:{\”blocks\”:[{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Mortgage 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over to lenders at a rate of 5,000 a month.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”But that has not been the case so far this time, according to mortgage lenders. \”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”But that has not been the case so far this time, according to mortgage lenders. \”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”People trying to buy a home still face difficult decisions, and many homeowners will be put under financial strain, but here are six factors that may explain why we may not see a repeat of crises of the past.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”People \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”trying to buy a home\”,\”locator\”:\”https://www.bbc.co.uk/news/uk-wales-66154013\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”trying to buy a 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The chances of losing your home are slim\”,\”attributes\”:[]}}]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”When somebody falls behind on mortgage payments and shows little prospect of being able to pay, a lender may seek to repossess the property.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”When somebody falls behind on mortgage payments and shows little prospect of being able to pay, a lender may seek to repossess the property.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”However, in the first three months of this year, there were only 750 homes and 410 buy-to-let properties that were repossessed, according to figures from banking trade body UK Finance.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”However, in the first three months of this year, there were only 750 homes and 410 buy-to-let properties that were repossessed, according to \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”figures from banking trade body UK Finance.\”,\”locator\”:\”https://www.ukfinance.org.uk/data-and-research/data/arrears-and-possessions\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”figures from banking trade body UK Finance.\”,\”attributes\”:[]}}]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Banks say they do not want to repossess homes and would much rather come up with a payment plan with their customer.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Banks say they do not want to repossess homes and would much rather come up with a payment plan with their customer.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Everyone’s tipping point from stretched borrowing to unmanageable debt is different, but the number falling over the edge so far is very low.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Everyone’s tipping point from stretched borrowing to unmanageable debt is different, but the number falling over the edge so far is very low.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”subheadline\”,\”model\”:{\”blocks\”:[{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”2. 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Buyers and homeowners are being flexible\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”4. Buyers and homeowners are being flexible\”,\”attributes\”:[]}}]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Faced with a rising interest rate and more expensive repayments, existing borrowers are considering their options to mitigate the higher bills.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Faced with a rising interest rate and more expensive repayments, existing borrowers are considering their options to mitigate the higher bills.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”That could include extending the term of their mortgage – although that does mean that ultimately they will pay more over a longer period of time. 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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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days.\”,\”attributes\”:[\”bold\”]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”The cost of a mortgage has now hit a 15-year high, with the average rate on a two-year fixed deal approaching 7% – surpassing the level seen after the Liz Truss government’s mini-budget.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”The cost of a mortgage has now hit \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”a 15-year high\”,\”locator\”:\”https://www.bbc.co.uk/news/business-66153812\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”a 15-year high\”,\”attributes\”:[]}}]}},{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”, with the average rate on a two-year fixed deal approaching 7% – surpassing the level seen after the Liz Truss government’s mini-budget.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”One million people will see their mortgage bill 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The chances of losing your home are slim\”,\”attributes\”:[]}}]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”When somebody falls behind on mortgage payments and shows little prospect of being able to pay, a lender may seek to repossess the property.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”When somebody falls behind on mortgage payments and shows little prospect of being able to pay, a lender may seek to repossess the property.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”However, in the first three months of this year, there were only 750 homes and 410 buy-to-let properties that were repossessed, according to figures from banking trade body UK Finance.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”However, in the first three months of this year, there were only 750 homes and 410 buy-to-let properties that were repossessed, according to \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”figures from banking trade body UK Finance.\”,\”locator\”:\”https://www.ukfinance.org.uk/data-and-research/data/arrears-and-possessions\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”figures from banking trade body UK Finance.\”,\”attributes\”:[]}}]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Banks say they do not want to repossess homes and would much rather come up with a payment plan with their customer.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Banks say they do not want to repossess homes and would much rather come up with a payment plan with their customer.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Everyone’s tipping point from stretched borrowing to unmanageable debt is different, but the number falling over the edge so far is very low.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Everyone’s tipping point from stretched borrowing to unmanageable debt is different, but the number falling over the edge so far is very low.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”subheadline\”,\”model\”:{\”blocks\”:[{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”2. 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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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