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1:48
Business basics: Mortgage rates and the best time to buy a house
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The Federal Reserve just raised interest rates for the first time since 2023, and they hinted at 1 more rate hike possibly this year. How does that change your money? Here are 4 ways: 1️⃣ Your credit card, HELOCs, and adjustable rate loans are tied to the prime rate, and they are going to get more expensive within 1-2 cycles. If you carry a credit card balance, paying it down now is the best guaranteed return you can get. 2️⃣ your high yield savings should earn more if your bank passes the rate
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Why wait until the last minute to sort your mortgage rate? If your current mortgage deal is coming to an end, you can often secure a new mortgage rate up to 6 months in advance. And if you use a mortgage adviser who offers rate tracking, they can continue to monitor mortgage rates for you after your rate has been secured. If rates go up, you have already secured your rate. If rates come down, your adviser can review the available products and, where possible, switch you to a lower rate before yo
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