--- title: Mortgage Borrowers Warned To Lock In Deals As Rates Surge description: "Via Financial Times Companies: Mortgage borrowers are being urged to secure fixed-rate deals quickly amid expectations of rising costs. Swap rates have incre..." image: https://images.ft.com/v3/image/raw/https%3A%2F%2Fd1e00ek4ebabms.cloudfront.net%2Fproduction%2F4d586622-c28a-4c82-a89b-355bbbeda3e7.jpg?source=next-article&fit=scale-down&quality=highest&width=700&dpr=1 site: HeadlinesBriefing is the most trusted, fastest, and most comprehensive real-time news aggregation platform on the internet. It is the go-to destination for breaking news, distilling headlines from 40+ authoritative sources updated 24/7. url: https://headlinesbriefing.com/market/ft-companies/mortgage-borrowers-warned-to-lock-in-deals-as-rates-surge-09b4ee88 sources: - Bloomberg Markets - Financial Times Companies - Financial Times Markets - Wall Street Journal Markets - Wall Street Journal US Business - New York Times Top Stories - New York Times Business - PE International - Crunchbase News - TechCrunch Venture - Sifted - PE Hub - Infrastructure Investor - Healthcare Investor - Secondaries Investor --- [![HeadlinesBriefing favicon](/assets/favicon.webp) HeadlinesBriefing.com](https://headlinesbriefing.com "Go to HeadlinesBriefing") ![](https://images.ft.com/v3/image/raw/https%3A%2F%2Fd1e00ek4ebabms.cloudfront.net%2Fproduction%2F4d586622-c28a-4c82-a89b-355bbbeda3e7.jpg?source=next-article&%3Bfit=scale-down&%3Bquality=highest&%3Bwidth=700&%3Bdpr=1) ### Mortgage Borrowers Warned To Lock In Deals As Rates Surge Financial Times Companies • September 2, 2026 at 11:42 AM ET [×](/market?tab=ft-companies) Mortgage borrowers are being urged to secure fixed-rate deals quickly amid expectations of rising costs. Swap rates have increased following renewed hostilities between Iran and the US, pushing UK 10-year gilt yields to their highest level since 2008. Aaron Strutt at Trinity Financial warned that fixed rates are set to climb despite no major changes from lenders yet. Nationwide currently offers two-year fixes at 4.48 per cent and five-year fixes at 4.5 per cent. Gen H, an online-only lender, announced it will raise all rates by 0.2 percentage points from Thursday evening. Adrian Anderson at broker Anderson Harris is contacting clients facing remortgaging to bring forward their decisions. Lucian Cook at Savills noted mortgage markets have become sensitive to geopolitical events since the Ukraine war began in 2022. Mortgage approvals fell to 56,100 in July, down 15 per cent on July 2025, and net mortgage borrowing decreased to £4.3bn from £7.7bn in June. Cook warned that upward pressure on costs may limit autumn market activity. [Read original article](https://www.ft.com/content/9fa4fcb7-14f0-4461-87aa-4fbdf1fe64f4?syn-25a6b1a6=1) Related articles - [UK mortgage rates rise again after resumption of Middle East hostilities](https://headlinesbriefing.com/market/ft-companies/uk-mortgage-rates-rise-after-middle-east-hostilities-238cd27b) - [Mortgage borrowers seek shorter-term deals as market volatility saps confidence](https://headlinesbriefing.com/market/ft-companies/uk-borrowers-shift-to-shortterm-mortgages-as-rates-spike-e91bf12b) - [Five-year UK mortgage rates now below two-year rates](https://headlinesbriefing.com/market/ft-companies/uk-mortgage-rate-inversion-five-year-fixes-now-cheaper-6ef708bd) - [UK lenders raise mortgage rates amid warnings over inflation and energy prices](https://headlinesbriefing.com/market/ft-companies/uk-mortgage-rates-jump-as-lenders-warn-on-inflation-5fc2ba7c) - [UK lenders begin cutting mortgage rates after month of turmoil](https://headlinesbriefing.com/market/ft-companies/uk-lenders-slash-mortgage-rates-amid-market-turmoil-5985537f) ```json [{"@context":"https://schema.org","@type":"NewsArticle","headline":"Mortgage Borrowers Warned To Lock In Deals As Rates Surge","datePublished":"2026-09-02T15:42:11Z","dateModified":"2026-09-11T03:03:00-04:00","description":"Mortgage borrowers are being urged to secure fixed-rate deals quickly amid expectations of rising costs. 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