18 September 2025 ·
The Bank of England has announced that it will hold the Base Rate at 4%. Find out what this could mean for you.
Bank of England hold Base Rate at 4%
The Bank of England announced on Thursday 18th September, that it will hold the Base Rate at 4%.
The Bank’s focus is to strike the right balance between keeping inflation close to its target of 2%, and keeping the wider economy healthy.
The current view is that we might not see another Base Rate cut until early 2026. But this forecast could change due to ongoing global uncertainty, and any shifts in how the market expects things to pan out.
Mortgage Expert Matt Smith at Rightmove says "A Base Rate hold had looked fairly nailed on, especially after recent news that inflation remains stuck at 3.8%. The later-than-usual Budget is very much on the horizon, and the markets are having to wait until the end of November for answers to the questions that are driving a lot of the current uncertainty. So it’s not surprising we’ve seen market expectations for the next Base Rate cut shift from late 2025, into early 2026."
Could the Base Rate be reduced?
While we have seen the start of a downward curve so far this year, it is highly unlikely that Base Rates will drop back to the historic lows we saw back in 2021.
Are you thinking of waiting a little longer to see if they drop further? Torc24, our recommended mortgage advisor has said:
"We always advise our customers that we can lock in the best rate now, giving you peace of mind when you reserve your property. Think of this as a worst case scenario. Around a month prior to completion, we will re-assess the mortgage products available on the market and get you a better rate if possible ahead of completion."
When is the next Base Rate review?
The Base Rate is reviewed every 6 weeks by the Bank of England, deciding whether or not interest rates should increase, decrease or remain the same.
The next announcement will be on 6th November 2025.
For more information on the Base Rate held in September 2025 and what this could mean for you, read this article from Rightmove.
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No of bedrooms
1-3
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No of bedrooms
1-2
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Available now
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No of bedrooms
1-4
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Est. completion date
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2-4
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No of bedrooms
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Price
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Est. completion date
TBC
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