It’s been a rollercoaster year for mortgage rates and after the inflation panic spike over summer, lenders have been slashing costs for borrowers.

The best mortgage rates are now falling towards 4 per cent, whereas not so many months ago they were rising towards 6 per cent – and many deals climbed above that.

So is the mortgage crisis over and how much advance will rates fall?

On this podcast, Georgie Frost, Helen Crane and Simon Lambert converse a year of mortgage madness, what could happen next and – most importantly – what can those who need to remortgage or buy a home do.

Plus, as gold hits a record high and bitcoin soars again, what’s going on and should investors buy in?

We converse the case of the savers whose Isa savings of more than £600,000 went missing thanks to NatWest.

And finally, This is Money lost a team member last week. Our development editor Richard Browning, a founding member of This is Money back in 1999, sadly died suddenly.

The podcast plays tribute to Rich – the man who helped build the internet and a much-loved and very funny guy.

Listen to the This is Money podcast

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