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The rate of interest charged by a mortgage lender.
- ‘You can roll up all your savings into your current account, effectively earning interest at your mortgage rate without paying any tax.’
- ‘So, when some money goes into your bank account, it actually has the effect of paying off a little bit of your mortgage, immediately saving you interest - at your mortgage rate of interest.’
- ‘Some lenders, such as the Halifax and Nationwide, have two variable rates - a base mortgage rate for new customers and new discount deals, and a slightly higher one linked to some older products.’
- ‘Paying off your mortgage is an excellent use of any spare cash you have, because you effectively ‘earn’ tax-free interest at your mortgage rate.’
- ‘Abbey National, the UK's second-largest mortgage lender, gets the wooden spoon, being the only major mortgage lender with a mortgage rate over 6% during 2002.’
- ‘Another option is to offset your savings against your mortgage, which means that you pay no tax on the interest you've saved and you effectively earn interest at your mortgage rate.’
- ‘Bear in mind that although the deposit rate may go up as well, the gap may widen between the deposit rate and the mortgage rate.’
- ‘If you owe £75,000 on your mortgage, you pay interest at your mortgage rate on, guess what, £75,000.’
- ‘Effectively, this means that you ‘earn’ tax-free interest on your savings at your mortgage rate, which beats taxed savings account hands down!’
- ‘As we enter a new year, with uncertainty looming in the US economy and industry sources debating the possibility of one more interest rate hike from the European Central Bank, should you consider fixing your mortgage rate?’
- ‘By paying a lump sum off the mortgage, the savings are effectively earning the mortgage rate and there is no tax to pay, as there would be on savings.’
- ‘Yet the building societies' cartel set its mortgage rate below prevailing interest rates.’
- ‘Advice: keep an eye on both your mortgage rate and bank base rate.’
- ‘That would lead to the bank charging a mortgage rate of 6 per cent.’
- ‘Remember that overpayments into your mortgage effectively ‘earn’ interest at your gross mortgage rate.’
- ‘Irish lenders this weekend are loading between 1.5 and 1.6 per cent profit margin on this rate to levy an average mortgage rate of around 4 per cent.’
- ‘The mortgage rate changes every time interest rates change or, as in most cases, the overall effect of any interest rate changes is calculated once a year and payments are altered accordingly.’
- ‘Top-up rates vary depending on whether the mortgage rate on which it is based is variable or fixed.’
- ‘The lowering of the deposit rate and the mortgage rate will change the market from your scenario to the opposite - fewer people will want to deposit and more will want to borrow.’
- ‘Assume a variable interest rate of 4.7 per cent - currently the average mortgage rate in the market.’
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