Bank of England base rate

This page brings together all our news coverage and expert commentary on the Bank of England base rate and what rate decisions mean for brokers, lenders, and borrowers. Read more below for the latest developments and insights.

Nationwide hikes fixed mortgage rates

First-time buyers and home movers to feel the changes

Virgin Money Mortgage Rates

48 mortgage products listed in our database and is currently offering remortgage fixed rates starting at 4.16% with a £995 product fee for its 5 year products.

HSBC Tracker Mortgages

Check back weekly or favourite this page to keep an eye on the ever-changing rates.

UK house prices edge higher as market eyes affordability turning point

Steady growth, easing rates and renewed buyer confidence set the stage for 2026

Mortgage market enters new year with lower rates and more product choice

“Expectations are high for a booming market in 2026”

Barclays trims mortgage rates across purchase, remortgage and reward ranges

Barclays turns up the heat on high street rivals as lenders battle for a shrinking pool of borrowers

Mortgage borrowing ticks up even as approvals dip

Base rate cut, sharper pricing and steady remortgage flows offset pressure from affordability and weaker purchase volumes

What will mortgage rates be in 2026?

Base rate path in 2026 set to ease mortgage costs, but pressure to persist for many borrowers

BoE rate cut expected, but brokers say confidence – not deals – will move the market

Attention is shifting from this week’s decision to what it signals for early-2026 activity

Will mortgage rates go down in 2026?

Intermediary outlines expectations for next year’s rates and borrowing