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The Bank of England has cut the base rate by 0.25% to 3.75% at its final meeting of 2025, marking the fourth cut this year. The move reflects easing inflation and may bring improved mortgage options for borrowers as 2026 approaches.

The Bank of England hold a meeting and holds the interest rate at 4%. What is the impact of this decision on homebuyers?

Newcastle Building Society now offers up to 98% LTV mortgages on homes priced £96,000–£350,000, helping first-time buyers purchase with deposits from around £5,000. As higher LTVs can mean higher rates, seeking mortgage advice is recommended.

Getting a mortgage when you’re self-employed can seem daunting, but it doesn’t have to be. Lenders may have different requirements for business owners, freelancers and contractors, but with the right preparation, such as gathering SA302 forms and proving consistent income, you can make the process much smoother. This guide explains how lenders assess self-employed applicants, what documents you’ll need and how expert mortgage advice can help you secure the right deal for your circumstances.

The Bank of England has voted to keep the base rate at 4%, with inflation control remaining its priority. Mortgage and Protection Adviser Nicola Henton says the move was widely expected, and mortgage conditions remain steady for those looking to borrow.

Green mortgages reward buyers of energy-efficient homes, usually with an EPC rating of A or B. Benefits can include cashback, lower rates, or higher borrowing limits, while also cutting energy bills. Several lenders, including Nationwide, Halifax and HSBC, offer these deals, though eligibility varies.