Bank of England interest rate decision

18 September 2026

Katrina Lamont, Director of Legal Operations at Eden Conveyancing

“The Bank of England’s decision to hold Bank Rate at 3.75% provides some short-term stability, but buyers shouldn’t assume mortgage rates or affordability will remain unchanged. Lenders consider a range of factors when pricing their products, so anyone planning a move should review their position with a mortgage adviser and check the terms and expiry date of any existing offer.

“Interest rates are beyond people’s control, but being well informed can make moving home feel much more manageable. With so many financial, legal and practical elements involved, clear information and visibility at every stage really matter. At Eden, we combine technology, legal expertise and human support to make the conveyancing process as simple, clear and fast as possible.”