News and market updates · Updated 20 October 2026

What changed, and what it means for you.

The official figures that move mortgage rates, as their sources publish them, and Nathan’s plain-English notes on what they mean.

The figures, as published

Bank Rate3.75%Bank of England, as at 19 October 2026. Next decision Thursday 5 November 2026. Source
CPI inflation3.1%12 months to August 2026 (ONS). Source
Average fixed rates, 75% LTV5.13%September 2026 averages: 2-year fix 5.13%, 5-year fix 4.98% (Bank of England). Your rate depends on your circumstances. Source
Average UK home£272,611July 2026 (HM Land Registry). Source

Coming up

Wed 21 Oct · 07:00ONS

September inflation (CPI)

days: 00
hrs: 02
min: 43
sec: 35

The last figure was 3.1%. Our note goes up the same morning.

Wed 28 OctHM Treasury

The Autumn Budget

days to go: 07

We will cover any changes to stamp duty or property tax.

Thu 5 Nov · 12:00Bank of England

Bank Rate decision

days: 15
hrs: 08
min: 43
sec: 35

Bank Rate is 3.75% today. Our note follows the announcement.

Get our note the morning it lands.

Bank Rate and inflation notes, nothing else.

Latest

Our take · 27 Jun 2026Why Lender Competition Now Means More Than Just Better Rates
Lender competition is driving better mortgage rates and product features. But the real shift isn't just in pricing—it's in what surrounds it.

MHCLG20 Oct 2026
Domestic abusers face eviction as survivors gain housing rights
What it means: Changes to tenancy and occupancy rights may affect how property is held, lived in or possessed, which can matter when a mortgage or purchase involves a jointly occupied home.
ONS20 Oct 2026
Labour market in the regions of the UK: October 2026
What it means: Regional employment and pay trends help shape local affordability and lenders' views of borrowers' income stability, which can influence what buyers and existing mortgage holders may be able to borrow.

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Lawes Financial Limited (FRN 1046161) is an appointed representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 304904). Figures are shown as published by their sources on the dates given.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.