How should homeowners select a new mortgage deal?
BBC Radio 4's Money Box was broadcast on Saturday, 23 April, 2005 at 1204 BST.
The programme was repeated on Sunday, 24 April, at 2102 BST.
Nearly half a million people who fixed their mortgage rate two years ago, will soon have to find a new deal.
What should these people do? Arrange another fix at a higher rate immediately, or wait to see if better deals become available?
Have interest rates peaked or are there more rises to come?
Money Box asked Ray Boulger of Charcol mortgage brokers and independent economist Rosemary Radcliffe for some advice.
Lloyds TSB bank charges
Increased charges mainly affect foreign purchases
Letters are being sent to the 10 million current account customers at Lloyds TSB to inform them of new bank charges.
But why do Lloyds need to introduce or increase charges for some of their services when other banks are not?
Paul Lewis was joined by Director of Current Accounts at Lloyds, Gordon Rankin, to explain why this is happening and which services will be affected.
Producer: Jessica Dunbar
Presenter: Paul Lewis