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Homebuyers may think that it’s sensible to pick the lowest mortgage rate, but it doesn't always make sense.

Aaron Strutt, of Trinity Financial, told The Times: “Most of the banks and building societies are still lowering their rates as they look to hit their annual lending targets or make sure that they get off to a good start next year. Some lenders are telling us they are busy and don’t want to increase the number of applications, but they are still lowering their rates.”

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