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Mortgage & Remortgage Playbook: Base Rate 4%—Should You Lock Now or Wait for 2026?
Rate backdrop (quick facts) Bank Rate: 4%; BoE to update again on 6 Nov (this week). (bankofengland.co.uk) Lenders have been edging pricing down through autumn as inflation cools; averages around ~5% for mainstream 2- and 5-yr fixes have been common in recent months. (Direction varies by lender/product.) (Zoopla) Your decision