Originally published: 15 March 2026. Reviewed for accuracy: 10 June 2026. This is a dated news post tied to specific events in early 2026; it is not intended as evergreen advice.
By Stiv · Design, technology and personal finance
I write this with skin in the game: a Nationwide mortgage of my own, plus £100 a month in overpayments running through Sprive since October 2021, so I have watched these rate swings over four-plus years as a borrower, not just a blogger.
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CoolCuration is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice. The information below is for general informational purposes only. Always seek advice from an FCA-regulated broker or adviser before making mortgage decisions.
If you've been watching the news this year, you'll know the Middle East conflict has thrown a spanner into the UK's financial outlook. UK mortgage rates climbed again after weeks of improvement, lenders pulled deals, and energy prices headed in the wrong direction. Whether you're on a fixed-rate mortgage nearing renewal or simply trying to keep your gas bill under control, the events of early 2026 have had lasting consequences. Here's what happened, what it means for your money, and what you can actually do about it.
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