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The Guardian - UK
The Guardian - UK
Business
Rupert Jones

What the UK interest rate cut means for you, from mortgage deals to savings rates

Moneyfacts UK Finance
Two people look in the window of an estate agent
One mortgage specialist said the biggest winners could be those coming off a two-year fixed-rate mortgage deal in 2026. Photograph: Amer Ghazzal/REX/Shutterstock

The Bank of England gave millions of borrowers an early Christmas present on Thursday when it cut interest rates from 4% to 3.75%. It is the fourth cut this year following reductions in February, May and August.

Will my mortgage get cheaper?

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