Financial Times - Lenders set to lower UK mortgage rates in early 2026

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The Bank of England’s latest cut to interest rates will lead to lower mortgage costs and a boost to the housing market at the start of next year’s buying season, experts said. 

The possibility of further cuts by the BoE in coming months is likely to encourage a shift towards shorter-term two-year deals.

Aaron Strutt, product director at Trinity Financial, told James Pickford at the Financial Times: “Many homeowners who have recently locked into three- or five-year fixes will probably be regretting their decision and thinking they should have taken a two-year fix or even a tracker as they suddenly look a much better bet.” 

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The information contained within was correct at the time of publication but is subject to change.

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