Grab your coffee—here’s a hot tip: mortgage rates are dropping, with some deals now as low as 3.5%. Lenders are fighting for your business, so if your fixed-rate deal from 2020 is ending soon, you might snag a better rate than you feared. The catch? The best rates usually need a bigger deposit, but there’s more choice for everyone. If you’ve been waiting to move or remortgage, now’s the time to shop around! #RealEstate #MortgageTips #HomeBuying