Anderson Harris Mortgage Rates Published 20th November 2025
The rate market continues its steady decline, with swaps down to where they were in mid-2022 (pre mini budget), this in response to some positive inflation numbers and the BOE signalling it thinks inflation has peaked and will now roll back over the coming months. This has allowed for the cheapest mortgage market in 3 years, which coupled with a loosening regulatory environment has allowed many banks to relax loan to income criteria and lend big to new borrowers at cheaper rates.