Tell us: are you affected by the 6% mortgage rate?

The average cost of a five-year fixed-rate mortgage has hit the 6% barrier for the first time in three years.

Figures from financial information provider Moneyfacts show the average is now 6.00%, its highest point since September 2023, while the average two-year fixed rate is 5.98%, its highest since December of the same year.

Jitters in the money markets have made the loans more expensive for lenders to offer.

We would like to speak to people affected by this rise. How will this affect your finances? Will it change your plans to buy a house or move?

Share your experience

You can share your response using this form.

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How will the mortgage rate rise affect your finances?

Please include as much detail as possible.

</div> <div class="dcr-w9ri6r"><label for=":R2albadl3ajojb:" class="dcr-0"></p> <div class="dkm-in-content-ad" style="text-align:center; margin:25px auto; min-width:250px; min-height:250px;"> <div id="div-gpt-ad-dkm-4" style="min-width:250px; min-height:250px;"></div> <script> googletag.cmd.push(function() { googletag.defineSlot( "/23371738538/ca-pub-2934044910469660-tag/display", [[300, 250], [250, 250], [336, 280]], "div-gpt-ad-dkm-4" ).addService(googletag.pubads()); googletag.display("div-gpt-ad-dkm-4"); }); </script> </div> <p>Will it change your plans to buy a house or move? </p> <p class="dcr-p8lrwc">Please include as much detail as possible. </p> <p></label><textarea id=":R2albadl3ajojb:" aria-required="true" aria-invalid="false" aria-describedby="" required="" rows="3" class="dcr-1pjzg7s" name="field_textarea_199261064" data-testid="form-field-199261064"/></div> <div class="dcr-w9ri6r"> <div class="dcr-6bqvth"><label class="dcr-8yd2we"></p> <div class="dkm-in-content-ad" style="text-align:center; margin:25px auto; min-width:250px; min-height:250px;"> <div id="div-gpt-ad-dkm-5" style="min-width:250px; min-height:250px;"></div> <script> googletag.cmd.push(function() { googletag.defineSlot( "/23371738538/ca-pub-2934044910469660-tag/display", [[300, 250], [250, 250], [336, 280]], "div-gpt-ad-dkm-5" ).addService(googletag.pubads()); googletag.display("div-gpt-ad-dkm-5"); }); </script> </div> <p>If you are happy to, please upload a photo of yourself here <span class="dcr-17c2ywf">Optional</span></p> <p class="dcr-85rlp0">Please note, the maximum file size is 5.7 MB.</p> <p>Choose file<input type="file" accept="image/png,image/jpeg,image/jpg" data-testid="form-field-199261051" class="dcr-v3usp5"/></p> <div class="dkm-in-content-ad" style="text-align:center; margin:25px auto; min-width:250px; min-height:250px;"> <div id="div-gpt-ad-dkm-6" style="min-width:250px; min-height:250px;"></div> <script> googletag.cmd.push(function() { googletag.defineSlot( "/23371738538/ca-pub-2934044910469660-tag/display", [[300, 250], [250, 250], [336, 280]], "div-gpt-ad-dkm-6" ).addService(googletag.pubads()); googletag.display("div-gpt-ad-dkm-6"); }); </script> </div> <p></label></div> </div> <div class="dcr-w9ri6r"> <fieldset aria-invalid="false" id=":R2elbadl3ajojb:" class="dcr-xo4uud"> <legend class="dcr-k6qub1"> <p>Can we publish your response? </p> </legend> </fieldset> </div> <div class="dcr-w9ri6r"><label for=":R2klbadl3ajojb:" class="dcr-0"></p> <p>You can add more information here <span class="dcr-17c2ywf">Optional</span></p> <div class="dkm-in-content-ad" style="text-align:center; margin:25px auto; min-width:250px; min-height:250px;"> <div id="div-gpt-ad-dkm-7" style="min-width:250px; min-height:250px;"></div> <script> googletag.cmd.push(function() { googletag.defineSlot( "/23371738538/ca-pub-2934044910469660-tag/display", [[300, 250], [250, 250], [336, 280]], "div-gpt-ad-dkm-7" ).addService(googletag.pubads()); googletag.display("div-gpt-ad-dkm-7"); }); </script> </div> <p class="dcr-p8lrwc">If you include other people’s names please ask them first.</p> <p></label><textarea id=":R2klbadl3ajojb:" aria-required="false" aria-invalid="false" aria-describedby="" rows="3" class="dcr-1pjzg7s" name="field_textarea_199261055" data-testid="form-field-199261055"/></div> <div class="dcr-w9ri6r"> <fieldset aria-invalid="false" id=":R2mlbadl3ajojb:" class="dcr-xo4uud"> <legend class="dcr-k6qub1"> <p>Would you be interested in speaking to our audio and/or video teams? </p> </legend> </fieldset> </div> <p>By submitting your response, you are agreeing to share your details with us for this feature.</p> <div class="dkm-in-content-ad" style="text-align:center; margin:25px auto; min-width:250px; min-height:250px;"> <div id="div-gpt-ad-dkm-8" style="min-width:250px; min-height:250px;"></div> <script> googletag.cmd.push(function() { googletag.defineSlot( "/23371738538/ca-pub-2934044910469660-tag/display", [[300, 250], [250, 250], [336, 280]], "div-gpt-ad-dkm-8" ).addService(googletag.pubads()); googletag.display("div-gpt-ad-dkm-8"); }); </script> </div> <p><button type="submit" aria-live="polite" class="dcr-i3hfxr">Submit</button></p> </form> </div> </div> </div> </div> <p></gu-island></figure> <p class="dcr-1s160rg"><em><strong>If you’re having trouble using the form click <a href="https://guardiannewsandmedia.formstack.com/forms/6_per_cent_mortgages" data-link-name="in body link">here</a>. 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