It's been a rollercoaster year for mortgage rates and after the inflation panic spike over summer, lenders have been slashing costs for borrowers. The best mortgage rates are now falling towards 4 per cent, whereas not so many months ago they were rising towards 6 per cent - and many deals climbed above that. So is the mortgage crisis over and how much further will rates fall? On this podcast, Georgie Frost, Helen Crane and Simon Lambert discussa year of mortgage madness, what could happen next and  - most importantly - what can those who need to remortgage or buy a home do. Plus, as gold hits a record high and bitcoin soars again, what's going on and should investors buy in? We discuss the case of the savers whose Isa savings of more than £600,000 went missing thanks to NatWest. And finally, This is Money lost a team member last week. Our development editor Richard Browning, a founding member of This is Money back in 1999, sadly died suddenly. The podcast plays tribute to Rich - the man who helped build the internet and a much-loved and very funny guy.