31/07/2025
π Lenders Expect Two More Base Rate Cuts This Year
Lloyds Bank and several major lenders are now forecasting two more cuts to the Bank of England base rate β likely in August and November β potentially reducing the rate to 3.75% by year-end.
π According to the Financial Times, Reuters, and the Daily Mail, markets are already pricing in the change β and lenders are adjusting rates on fixed and tracker mortgages in anticipation.
βΈ»
π Why it matters:
β’ Tracker deals may drop by Β£14βΒ£29/month with each cut
β’ New fixed rates are improving β good news for buyers
β’ SVRs may shift slower, depending on your lender
π Next rate decision: 7 August 2025
If youβre thinking of buying, remortgaging or upsizing β nowβs the moment to act smart and early.
π² DM me to explore your options
