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.
Most Affordable UK Spots for First-Time Buyers
10 days ago
Research from Lloyds identifies the most affordable areas in the UK for first-time buyers to be able to get onto the property ladder.
On Wednesday, 13th May, King Charles delivered his speech at the House of Lords, outlining the government’s plans for the upcoming year.
Here is a summary of the housing and energy/environment points.
From 18th May 2026, Halifax (part of Lloyds Banking Group) is launching a ‘£5k Deposit mortgage’ to help first-time buyers get onto the property ladder sooner.
Homeowners could be faced with paying over £3,000 more per year on their mortgage if the conflict in the Middle East continues, following new analysis from INTEREST from Moneyfacts.
Renters' Rights Act
28 Apr 2026
The Renter’s Rights Bill became law at the end of October, which means it has been signed off by the King, and it is now the Renters’ Rights Act. Despite this becoming law, these changes are likely to start changing within the next six months, with the aim of being fully implemented throughout 2026 and into 2027.
Green Mortgages | Rewards and Benefits
28 Apr 2026
Mortgage lenders are starting to recognise their “Green” responsibilities when it comes to the different products they offer.
Costliest Streets in Great Britain
24 Apr 2026
Recent data from Rightmove shows the most expensive streets in Great Britain, with the majority being situated in the capital.
More information
Trusted by
