Just Mortgages comments on CPI inflation

17 December 2025

John Phillips, CEO of Just Mortgages and Spicerhaart, said:

“Another significant fall in inflation is hugely welcome and should hopefully reinforce the growing consensus around a potential cut when the MPC meets tomorrow. Inflation is undoubtedly a key metric in the central bank’s decision-making and has long been a thorn in its side. Today’s data hopefully strengthens the view that there is growing momentum behind the easing of inflation, which is positive news for the bank rate, swap rates and lender confidence – ultimately helping to influence the pricing and availability of mortgage products.

“With inflation falling and potentially more good news on the base rate tomorrow, brokers should be ready to engage with clients and share these really positive headlines. As potential buyers and movers continue to return back to the market after the Budget and ready for the New Year, this should absolutely be fuelling conversations and helping to foster some confidence that plans are firmly back on track. As always, it is our role to help clients turn these headlines into practical action, helping them make informed decisions in a market that is becoming more and more favourable.”