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were going to look at two different types of mortgages one Residential Mortgages the other one will be vitet investment mortgages points were going to talk about more specifically how long the products require you to fix for 5 years 2E fix and what changes in the mortgage product whats happened to the rates have they gone down and what kind of Direction the mortgage lenders are going in dont take this as professional advice Im just sharing my knowledge on my 10 years experience in buying and selling property in the UK first type of mortgage product were going to look at is Residential Mortgages and what rates I found the first product is the 5year and that is with Barclays Im sure a lot of you know which bank that is and the rate theyre giving you is 4.37 which has basically decreased over the last few weeks with them which is a good sign just keep in mind if you got any good rates that you got I would like to hear that in the comments below these are just the rates I generally