Impact of the Bank of England’s 0.25% Rate Cut to 3.75% on Mortgage Rates

The Bank of England’s Monetary Policy Committee (MPC) announced a 25 basis point cut to the Bank Rate, lowering it from 4% to 3.75%. This was the fourth rate cut of 2025 and the sixth since mid-2024. Narrowly 5-4 in favor of the cut (four members preferred to hold at 4%). Governor Andrew Bailey —

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