英国五年期固定房贷利率升至6% 创三年新高

英国五年期固定利率房贷的平均利率已升至6.00%，为2023年9月以来的最高水平1。同时，二年期固定利率房贷平均利率也达到5.98%，创下2023年12月以来的新高1。

房贷市场中低利率产品的可获得性大幅下降1。低于5%的房贷产品数量从上月的1494个骤降至仅9个，跌幅达99%1。对于借款人而言，这意味着成本显著上升：以25万英镑贷款计，采用6%五年固定利率的月还款额比4.94%利率要高158英镑1。Moneyfacts数据显示了这一趋势1。分析人士指出，"固定利率回升至三年高位将对借款人造成灾难性打击"1。

The average five-year fixed mortgage rate in the UK has reached 6.00%, marking its highest level since September 2023 1. This rise reflects broader financial market turbulence and increases in swap rates, creating significant pressure on borrowers navigating an already strained housing market. The two-year fixed rate has similarly climbed to 5.98%, its highest point since December 2023 1.

The availability of affordable mortgage products has contracted dramatically, with the number of deals priced below 5% plummeting by 99% from 1,494 options last month to just 9 currently 1. For a borrower taking out a £250,000 loan, the monthly payment under a six percent five-year fixed rate would be £158 higher than at the previous 4.94% rate 1. According to Moneyfacts data, these escalating rates present severe challenges for prospective homebuyers and refinancing borrowers 1. Rachel Springall commented that "average fixed mortgage rates rising back to three-year highs will be disastrous news for borrowers" 1. The Bank of England's base rate has remained unchanged since December of last year 1.