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then after the global financial crisis they dropped to what is supposed to be emergency levels of 0.5% and they stayed there ever since more or less, dropping and rising just a little bit. the markets are now predicting the official rate will get up to one percentage point byjune, the highest it has been for 13 years. it is the first time interest rates have risen twice in a row since 2004, but that is only because since the financial crisis they have been at emergency lows. it s your energy bill, not your mortgage bill that you need to steal yourself most to open. andy verity, bbc news. i m joined by liz martins, an economist from hsbc. this is going to have a worrying effect for anyone with a mortgage, evenif effect for anyone with a mortgage, even if they are not on a variable or a tracker, if they are looking to change their mortgage in the coming year, it will be very difficult for lots of people? i year, it will be very difficult for lots of people? year, it will be very difficu

Point byjuneEmergency levels0 5Interest ratesEnergy billBbc newsAndy verityMortgage billEmergency lowsRachel graingerEvenif effectLiz martins