Fresh Financial Services Ltd

30/07/2026

Interest Rate Update!!

The Bank of England has today kept the Base Rate at 3.75%.

A few key facts:

• Fifth consecutive rate hold
• Inflation currently at 2.6%
• Inflation target remains 2%
• UK economy expected to grow by 1.1% this year
• MPC vote was 6-3 in favour of keeping rates unchanged

It's important to remember that mortgage rates don't always move up or down in line with Bank Rate decisions, as lenders also consider wider market conditions.

If your fixed rate is ending soon, reviewing your options early can often be beneficial.

19/06/2026

https://www.linkedin.com/posts/monetary-policy-summary-ugcPost-7473328972009963522-7kVs/?utm_source=social_share_send&utm_medium=ios_app&rcm=ACoAAAYEBMYB1c0L2lA1dsEg74YzpTnm0FLJHDk&utm_campaign=copy_link

The Monetary Policy Committee voted 7-2 to keep the interest rate at 3.75%. Key points: ➡️ War in the Middle East has disrupted the transportation and supply of energy, raising its price and pushing up households’ motor fuel costs and utility bills; prices have fallen since the initial spike b...

14/05/2026

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02/05/2026

The biggest shake‑up to renting in England for 30 years is now live.

The Renters’ Rights Act scraps fixed‑term tenancies, replacing them with rolling agreements that give tenants more stability and the ability to leave with two months’ notice if things aren’t working.

For landlords, especially those with buy‑to‑let mortgages, the risk profile changes. Evictions take longer, rental income may be less predictable and lenders may take a closer view of affordability and arrears. However, well‑managed properties with good tenants could benefit from longer stays and reduced turnover.

26/03/2026

Cheeky few before Hastings Area Chamber of Commerce

18/12/2025

Interest Rate Cut – What It Means for Mortgage Holders

The Bank of England has cut interest rates for the sixth time since last summer, bringing the base rate below 4% for the first time since early 2023. This is welcome news for many homeowners and those looking to secure a mortgage, as lower rates can lead to more competitive deals.

The Bank now expects inflation to reach its 2% target by spring or summer next year—much earlier than previously forecast. However, this cut also reflects concerns about a subdued economy, with zero growth predicted for late 2025. While rates are on a downward path, future cuts may slow, so understanding how this impacts your mortgage is important.

If you’re unsure what this means for your current deal or future plans, now is a good time to review your options and seek professional guidance to make informed decisions.

Source: BBC News

04/12/2025

Worthy cause this

Iʼm raising money to “Help Darren Clark — a proud Royal Marine fighting against a devastating neurological disease.”. Support this JustGiving Crowdfunding Page.

19/11/2025

UK Inflation Update:

October inflation dropped to 3.6% (down from 3.8% in September), easing pressure on households.

Key drivers:

Food & drink up 4.9%
Energy costs offset by October price cap

Looking ahead:

Possible 0.25% base rate cut in December, but markets may have priced this in.

Dates to watch:

Budget: 26 Nov
Inflation: 17 Dec
MPC: 18 Dec

24/10/2025

Inflation holds steady – and markets react positively.

Despite media pessimism, UK inflation didn’t rise in September – staying below the expected 4%.

Swap rates have dropped to multi-month lows, with 5-year swaps now at 3.49%. If this trend holds, we could see further reductions in fixed mortgage rates. Recent average fixed rates:
2yr: 3.53%
3yr: 3.55%
5yr: 3.63%
10yr: 3.86%

Traders now see a 70% chance of a Bank Rate cut to 3.75% – possibly as soon as December. That’s up from just 33% before the latest inflation data.