The Bank of England base rate is 3.75% after a 6 to 3 vote on 17 September 2026. What the hold means for mortgages, savings and energy bills.
September 17, 2026Comments are off for this post.
Bank of England Base Rate: Where It Stands and What It Means
March 15, 2026Comments are off for this post.
UK Mortgage Rates Rising: What the Middle East Conflict Means for Your Bills
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.
Update, 17 September 2026. Bank Rate is still 3.75%, but three of the nine members of the Bank of England’s Monetary Policy Committee now want it raised to 4%, and fixed mortgage rates rose again in September. The current position, updated after every decision, is on my Bank of England base rate page.
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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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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