19/03/2026
The Bank of England has today held the base rate at 3.75%, and despite what the headlines might suggest, it’s not all bad news.
Yes, we’ve seen some lenders increase their rates recently, which can feel frustrating if you’re in the middle of a purchase or remortgage. But it’s important to separate media noise from what’s actually happening.
A rate hold like this can be a sign of stability, not panic.
Lenders price mortgages based on a range of factors, not just the base rate, and we’re still seeing competitive options available for the right circumstances.
In reality, it’s not as bad as it sounds.
If you’re unsure how this affects you, or you’ve seen headlines that have made you nervous, it’s always worth getting advice based on your situation, not the news cycle.
