The rate for a 30-year fixed rate mortgage was 4.16% back when the rate hike started over a year ago.

一年前，30年期固定利率抵押贷款的利率为4.16%。

So Moneyfacts, which looks across the markets is saying that the average two-year fixed rate mortgage is about 5.44 per cent.

因此，纵观整个市场的 Moneyfacts 表示， 两年期固定利率抵押贷款的平均利率约为 5.44%。