Insights

Why Do Mortgage Rates Change? Understanding What Affects Mortgage Rates in the UK

Mortgage rates don’t always move in line with the Bank of England Base Rate. In this blog, we explain: If you’ve been keeping an eye on the mortgage market recently, you may have […]

Bank of england

Bank of England Holds Base Rate at 3.75% – But Mortgage Rates Continue to Move

The Bank of England has today decided to keep the Base Rate at 3.75%, as policymakers continue to balance the challenge of rising inflation against signs of a slowing UK economy. While this […]

Bank of england

Base Rate Held at 3.75% – Why Are Swap Rates Driving Mortgage Changes?

The Bank of England has today held the base rate at 3.75%, unchanged since its reduction on 18th December 2025. However, since March 2026, mortgage pricing has moved – first upwards, and more […]

Bank of England Holds Base Rate at 3.75% – But UK Mortgage Rates Are Moving

The Bank of England has held the base rate, but mortgage rates across the UK are shifting as lenders respond to global economic uncertainty and rising swap rates. The Bank of England has […]

Bank of England Holds Interest Rate at 3.75% – What It Means for You in 2026

The Bank of England has decided to hold the Base Rate at 3.75% today, following a gradual series of cuts over the past 18 months. So, what’s going on – and what does […]