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Bank of England Base Rate: What It Means for Your Mortgage and Savings
The Bank of England base rate is 3.75%. Here is what the current rate means for your mortgage, savings and borrowing, in plain English, and what may happen next.
☀ UK property & financeMoney decisions,
Money decisions,
made simple.
Plain-English guides and free interactive tools for mortgages, buying a home, pensions, tax and more.
☀ Quick toolStamp duty in seconds
Estimated stamp duty£7,500
2.1% effective☀ Free tool · No sign-up
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An instant estimate from your postcode, plus the actual prices that sold on your street. Built on official Land Registry data.
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Take the full 60-second quiz & check your real score →Mortgages & buying
What could it cost?
Monthly payment£1,390
£166,874 interestTotal repaid £416,874 over the full term.
An illustration only. Your actual payments depend on the lender, product and how rates change over the term.
Pensions & savings
Grow what you keep
Projected total£30,941
£5,941 growthYou’d put in £25,000 and earn £5,941 in interest.
Assumes interest compounds monthly at a fixed rate. Real returns vary, and a tax-free ISA can help you keep more of the growth.
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ISA Allowance 2026/27: Use It Before the 5 April Deadline
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Stamp Duty Rates 2026: What You'll Pay When You Buy
The current stamp duty (SDLT) rates for England and Northern Ireland, what first-time buyers and second-home buyers pay, and how to work out your bill.
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38% of Listed Properties Across England Reduce Asking Price
38% of Listed Properties Across England Reduce Asking Price.