The Rate Cut Is A MYTH #foryou

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Издатель Apr 29, 2026

Ahead of the Bank of England decision on 30 April, the market has already moved.

If you’re waiting for rates to fall before refinancing, it’s becoming a higher-risk strategy.

Funding costs have increased since March, with most fixed-rate terms now sitting around 4%.

SONIA swaps (16 Apr 2026 vs 17 Apr 2025):
1yr 3.994% (▲ 13.6 bps)
2yr 4.006% (▲ 33.7 bps)
3yr 3.987% (▲ 35.3 bps)
5yr 4.033% (▲ 34.2 bps)

Data as at 16 April 2026.

There is very little difference between short and longer-term rates, which suggests the market expects rates to remain around current levels.

Many clients are now securing rates up to six months in advance to protect against further increases, while keeping flexibility if rates improve.

Save this for your next rate review.

DM me to discuss your options.

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