That has occurred during two years of upheaval in the mortgage market. Rates are much higher now than they were at the end of 2021.
Young homeowners have chosen longer mortgage terms to make repayments more manageable.
How long such a trend might last will depend significantly on whether mortgage rates drop and settle.
On Thursday, while holding the base rate at 5.25%, the Bank of England edged towards a rate cut in the summer and hinted at further cuts.
The Bank’s governor, Andrew Bailey, said he was “optimistic that things are moving in the right direction” regarding the UK economy, leading to speculation of base rate cuts.
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