Coffee break alert: Mortgage rates are creeping up again, so if you’re thinking about buying a home or your current deal is ending soon, now’s the time to act. Lenders like HSBC and Halifax are hiking rates, and experts say those sub-4% deals could vanish fast. If you spot a rate you can live with, grab it—waiting could mean paying hundreds more each month. First-time buyers, there are more options, but affordability is still a hurdle. Don’t wait for a miracle drop—secure your peace of mind now! #RealEstate #MortgageRates #HomeBuying