17 Dec 2025
Why has my rate not reduced if the base rate has gone down?
Many Mortgage Required clients who have had their mortgage approved automatically assume that their rate will go down when the Bank of England reduce the base rate.
However, fixed mortgage rates don’t always move in direct response. This is because lenders tend to be proactive rather than reactive, often factoring in any anticipated changes in advance.
Our team continue to monitor rates across the market closely. If your selected rate improves before your mortgage completes, we will notify you and ensure you benefit from any available reductions with the lender.
Don’t hesitate to get in touch if you have any questions or if you’d like to look at other options.
Recent posts
Best UK Mortgage Rates this Week
Yesterday
Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.
Call us for more information: 01628 507477 or email: team@mortgagerequired.com.
Your First Home Scheme for First-Time Buyers
7 days ago
Saturday 26th September, Andy Burnham announced a new equity loan scheme called “Your First Home”. The scheme, which will be confirmed at next month’s budget, is aimed at first-time buyers looking to purchase a new-build property from a developer signed up to the scheme.
Autumn Budget 2026: Key Points
9 days ago
On Wednesday 28th October, Chancellor John Healey delivered the 2026 Autumn Budget.
We have summarised the key points relating to property and tax.
In September 2026, they extended this to a wider range for those moving home. Eligible homeowners looking to purchase their next property can access the delayed start mortgage, which could help with the overlap between properties, solicitor, removal, and repair costs.
What is a Mortgage Stress Test?
17 days ago
A mortgage ‘stress test’ revolves around predicting future ‘affordability’. It is seen by many borrowers as just another hurdle to overcome, but it’s important to understand why it was introduced and who it is meant to protect.
There are several scenarios for a landlord where standard buy-to-let lending isn’t enough for their investment. For more complex properties, ownership structures, or borrowing circumstances, a specialist buy-to-let mortgage may provide options that are not available through mainstream lenders.
Leaseholders to be given extra protection
30 Sep 2026
Housing Secretary Angela Rayner has announced a new measure to protect leaseholders in England and Wales from high fees and poorly regulated property management companies.
What Happens to My Mortgage if I Lose My Job?
25 Sep 2026
Losing your job or finding yourself ‘between jobs’ is, unsurprisingly, a stressful place to be. Keeping a cool head and taking action is important.
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