What’s on the When Rates Change poster
A 6-row table: Product · Effect · Speed.
Typical transmission after a base rate move.
- Tracker mortgage — Direct — Next payment
- Standard variable rate — Usually passed on — Weeks
- Fixed mortgage — None until the deal ends — At renewal
- Instant-access savings — Partially passed on — Slowly
- Fixed savings bonds — New issues only — Immediately for new
- Credit cards — Often unchanged — Rates already high
Savings rates rarely rise as fast or as fully as borrowing rates. Switching provider is usually needed to capture a rise.
Questions about the When Rates Change poster
- What’s on the When Rates Change poster?
- A 6-row table: Product · Effect · Speed. Typical transmission after a base rate move. Tracker mortgage — Direct — Next payment; Standard variable rate — Usually passed on — Weeks; Fixed mortgage — None until the deal ends — At renewal; Instant-access savings — Partially passed on — Slowly; Fixed savings bonds — New issues only — Immediately for new; Credit cards — Often unchanged — Rates already high. Savings rates rarely rise as fast or as fully as borrowing rates. Switching provider is usually needed to capture a rise.
- Who is the When Rates Change poster for?
- When Rates Change belongs to the Money section rather than to a school year, because money is not something one grade owns. Anyone learning growth can pin it up — a beginner, a student mid-course, or someone revising years later.
- When should you use the When Rates Change poster?
- Borrowing rates tend to rise quickly and savings rates slowly. That asymmetry is consistent. A wall chart earns its place by being glanceable from where the work is happening, so When Rates Change belongs on the wall where that money work actually happens, within glancing distance, rather than filed away.
- What other posters go with When Rates Change?
- Turning Savings into Income, APR & AER and Compound Interest sit alongside When Rates Change in the Money section. Printed together they make a wall rather than a single sheet, which is how a reference set actually gets used.Turning Savings into IncomeAPR & AERCompound Interest
- Is the When Rates Change poster free to download and print?
- Yes. When Rates Change downloads as a free PDF with no account, no email and no watermark, like everything else in the Money section. Print as many copies as you like for a home, a classroom, a library or a tutoring group; reselling the file is the only thing the licence rules out.Read the licence
- What size does the When Rates Change poster print at?
- When Rates Change is a vector PDF laid out for US Letter, and prints on A4 with Fit to page — the same file, no separate download. Because every mark on it is drawn rather than photographed, it stays sharp enlarged to A3, A2 or A1 at a copy shop. Colour carries emphasis only, so a greyscale print of When Rates Change loses nothing.Printing guide
Related posters
Charts that sit alongside When Rates Change on the same wall.
Browse every Money poster, or start from the full catalogue.