What Next for UK Interest Rates?

#276

This is the first of our monthly update on all things lending and finance.

This episode discusses:

1. Bank of England Base Rate and Mortgage Rates:
2. The Return of 90% Mortgages:
3. Cut in Specialist Bridging Loan Rates:

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This Month’s Lending Headlines:

• Bank of England Holds at 3.75%
  The base rate is unchanged, but that doesn’t mean we’re in the clear. The Monetary Policy Committee is “watching and waiting”—with inflation and global events keeping everyone on their toes.
• Looking Back: How Did We Get Here?
  We dive into why rates plummeted during the COVID lockdowns, how they climbed back up in response to inflation (thanks in part to the energy crunch and events like Russia’s invasion of Ukraine), and why today’s global tensions are still influencing what you pay on your mortgage.
• Fixed-Rate Mortgages: Up, Up, and Away
  If you’re on a fixed deal, you probably appreciate the security more than ever, as typical 5-year fixed rates have jumped from 4.95% to 5.32% in just three weeks. That’s an extra £651 per year on a £250,000 loan—ouch!
• 90% Mortgages Make a Comeback
  If you have a smaller deposit, there’s good news: 90% mortgages are back, at levels not seen since 2008. But be careful—higher loan-to-value mortgages often mean higher rates, stricter checks, and the risk of negative equity if prices fall.
• Specialist Finance: Bridging Loans in the Spotlight
  Bridge finance lender SDK has cut its Bridge 75 product to 0.95% for loans over £250k, catering to investors after mixed-use and semi-commercial opportunities. If “shop with flats above” is on your wishlist, now might be the time.

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