You are about to listen to a BBC podcast and I'd like to tell you a bit about what goes into making one.

I'm Sadata Sese, an assistant commissioner of podcasts for BBC Sounds.

I pull a lot of levers to support a diverse range of podcasts on all sorts of subjects,

relationships, identity, comedy, even one that mixes poetry, music and inner city life.

So one day I'll be helping host develop their ideas, the next fact-checking, a feature,

and the next looking at how a podcast connects with its audience, and maybe that's you.

So if you like this podcast, check out some others on BBC Sounds.

BBC Sounds, music, radio podcasts.

Welcome to the podcast of Moneybox Live, the program about your money.

And today it's about your mortgage, because this is another big week for the mortgage market.

On Thursday, the Bank of England will say whether

it's hiking interest rates for the 12th month in a row. And we've also seen the return

of the 100% mortgage. Now, we're not really used to drama in the mortgage markets, because

for a long time, mortgages and housing generally were fairly predictable, thanks to the tightening

of lending rules and record

low interest rates. But we've seen a lot of change in the last year, and a lot is still

changing. So there's lots to discuss. Here to help me make sense of it all are Rachel Springle

from the comparison website Money Facts, Nick Mendez, technical manager at the independent

mortgage broker John Charcoal,

and Charles Rowe, Director of Mortgages at UK Finance. Good afternoon. Good afternoon.

Thank you very much for joining us. Rachel, let's start with you. Can you give us a quick update?

We had that turmoil in the mortgage market after the mini budget. Catch us up to today. So anyone looking

...