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Not just the headline rate — everything you need to act on it
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Instant rate decision
Email within 5 minutes of the announcement — the decision, the vote split, and what it means for UK mortgages in plain English.
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Your mortgage impact
We calculate how the rate change affects a range of UK mortgage sizes so you immediately know where you stand.
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Action guide included
Not just what happened — what to do. Remortgage now? Lock in a fix? Wait it out? We give you the smart move for each scenario.
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48hr pre-meeting preview
What the market expects, economist views, and which way we think rates will go — two days before each MPC meeting.
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Monthly market update
House prices, mortgage rates, rental yields — the full picture in one email. Everything you need to make smart property decisions.
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See your rate change impact
Enter your mortgage details to calculate exactly how a rate move affects you
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+0.25% rise
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Bank of England rates — your questions answered
What every UK buyer and homeowner needs to know about rate decisions
How often does the Bank of England change rates? ▼
The Monetary Policy Committee (MPC) meets approximately 8 times per year — roughly every 6 weeks. They don't always change rates; sometimes they hold. Between 2021 and 2023, the Bank raised rates 14 consecutive times from 0.1% to 5.25%. Each decision is announced at noon on the meeting day, followed by minutes published two weeks later.
How quickly do mortgage rates change after an MPC decision? ▼
Tracker mortgages change automatically, usually within 24 hours of a base rate change. Fixed rate mortgages don't change for existing customers — your rate is locked until your deal ends. However, new fixed rate deals are repriced by lenders within hours. If you're about to remortgage, acting quickly after a rate cut can secure the new lower rates before they're fully priced in.
Should I fix my mortgage now or wait for cuts? ▼
This depends on your circumstances and rate expectations. If rates are expected to fall, a 2-year fix or tracker gives you flexibility to remortgage sooner at lower rates. If rates are expected to rise, locking in a 5-year fix provides security. Our pre-MPC preview emails give you our best read on rate direction. Always speak to a whole-of-market broker before deciding — their advice is tailored to your specific situation.
What is the Monetary Policy Committee (MPC)? ▼
The MPC is a 9-person committee within the Bank of England responsible for setting UK interest rates. It was established in 1997 when the Bank was granted independence from the government. Members include the Governor, Deputy Governors, and independent external members. Decisions are made by majority vote, with the Governor having a casting vote in the event of a tie.
What happens to my mortgage if I'm on the SVR when rates rise? ▼
If you're on a fixed rate, your payments are completely unchanged until your deal ends. If you're on a tracker or SVR, your payment increases immediately. The SVR is typically 7.5–8.5% — well above the best fixed rates. If you're sitting on your lender's SVR and rates rise further, remortgaging to a fix should be your immediate priority. Use the calculator above to see the exact monthly impact.