Is the mortgage market turbulence getting you down? Have you got a mortgage-related question you need answering? Email in, and we will get one of our experts to reply. Nick Mendes, mortgage technical manager at John Charcol, has given his advice to a reader below. If you have a question for our experts, email us at money@theipaper.com .

Question: We have a mortgage fix that ends in 2026 at a cheap rate of around 2 per cent. By the time we come to renew at the end of the year, how low is it likely rates will be?

Answer: You’re in a fortunate position, holding a 2 per cent fix until the end of next year. Many borrowers would give a lot for that stability while the rest of the market continues to recalibrate. But you’re right to look ahead, because the coming year will shape the new

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