News & Insight

Our expert views and commentary on what’s happening in the world of mortgages and sometimes beyond, along with our regular summary of what the papers say.

What the papers said about rising rates

As expected, the weekend’s financial news focused primarily on last week’s decision by the Bank of England to increase the base rate for only the second time in a decade. ...

What the papers say about First Time Buyer Stamp Duty Relief

This weekend's Financial Times highlighted the main findings of our First time Buyer stamp duty research, namely: 18% of FTB are calibrating their purchases to take advantage of tax relief by buying beneath the exemption threshold. ...

What the papers said about borrowers young and old

Both ends of the lending spectrum were covered in this weekend’s financial press, and in particular the criteria that is enabling different generations to either get onto the property ladder, or stay on it. ...

What the papers said about first-time buyers

The Observer reported this weekend on the falling number of young home-owning families, as many of today’s millennials struggle in the face of higher property prices. ...

What the papers said about preparing for change

With suggestions of an interest rate rise, possibly as soon as next month, the financial press reported this weekend on the levels of increased activity in the mortgage market. ...

What the papers say about mortgage rates

'Join the race to remortgage' was the main theme of this weekend's papers, with the Times keen to point out that 25 lenders have increased their rates in the past 2 weeks, driving 2 year fixed rates to their highest level since September 2016. ...

What the papers said about rate changes and the Bank of Mum and Dad

The financial press reported this weekend on the increasing popularity of ‘Joint Borrower Sole Proprietor’ (JBSP) mortgages, which allow the income of family members – usually parents – to be taken into account, while the property title is held only in the child’s name. ...

Experian and L&C form pioneering new partnership

L&C is excited to announce that it is joining forces with global information services group Experian, in a pioneering move which aims to consolidate L&C’s position as the UK’s leading fee-free mortgage broker. ...

What the papers said about ISA’s and remortgaging

The Guardian and Times both reported this weekend on newly released Government figures, which show that a million Help to Buy ISA accounts have been opened since December 2015. These accounts, they suggest, have helped struggling First-Time Buyers save £1.8bn. ...

What the papers say about the new Buy-to-Let rules, New Build and Critical Illness Cover

The Times focused on the new Buy to Let rules from the Prudential Regulation Authority (PRA) that will come into force this October. They will affect ‘portfolio landlords’ (those with 4 or more mortgaged properties). Previously, lenders might assess a new mortgage in isolation but will now have to undertake a review of all the client’s assets, liability, tax position, business plan and exit strategy. Buy to Let Mortgage lenders are beginning to announce how they will implement these changes,...

What the papers said about a New Year for mortgages

With a New Year comes a new raft of new mortgage deals, and a couple of high street lenders have kicked off 2016 by launching some ultra-low fixed rates to tempt those of us re-organising our finances. ...

What the papers say – 10th and 11th October 2015

The Guardian reported this weekend on recent figures from the Council of Mortgage Lenders (CML), which revealed that the number of borrowers taking out a mortgage for longer than 25 years has almost doubled in the last 5 years, with the highest demand coming from First Time Buyers. Experts said mainstream lenders were more relaxed about longer terms as a way to make payments more affordable, but borrowers should consider reducing the term at a la...

What the papers say – 15th and 16th August 2015

With an interest rate increase on the horizon, it seems that borrowers are beginning to act. The Independent reported this weekend on recent figures from the Council of Mortgage Lenders, which reveal a 30% increase in remortgage activity in June.The Financial Times suggested that February 2016 is currently the most popular prediction for the first increase to happen. While rates have begun to edge up in anticipation, lenders are still keen for bu...

What the papers say – 1st and 2nd August 2015

There was a great deal of speculation once again in this weekend’s press regarding the future of interest rates. The Times, Mail on Sunday and Sunday Telegraph all looked at rate increases from a number of lenders over the last week, suggesting that the bottom of the market has been hit. Brokers reported most of their remortgage clients are opting for fixed rates now to protect themselves from future increases, and advised against waiting too lon...

What the new tax rules mean for landlords

As announced in the Budget, mortgage interest rate relief is going to be limited to the basic 20% income tax rate: higher and top rate tax payers no longer get full relief.The government has now published the detail of how the change will be phased in here which says in 2017 to 2018 the deduction from property income (as is currently allowed) will be restricted to 75% of finance costs, with the remaining 25% being available as a basic rate ta...

What the papers say – 6th – 7th June 2015

The Times, Independent and Sunday Times reported this weekend on the latest launch of headline grabbing rates, following the release by a high street lender of a 2 year tracker below 1%. Experts agreed that it was sure to attract attention, but before applying borrowers must consider other factors including set up fees and minimum payable rates (collars).The Independent on Sunday looked at the issues can arise when purchasing an ex-local authorit...

What the papers say – 16th and 17th May 2015

With the Help to Buy Mortgage Guarantee scheme making up a sizeable percentage of high Loan-to Value (LTV) lending, the Times reported this weekend on calls for the Government to explain how it intends to support this area of the market when the initiative comes to an end next year. Experts commented on the significant increase in the number of 95% LTV deals available on the market since the launch of the scheme, and there are hopes that it will ...

What the papers say – 9th and 10th May 2015

As expected, post-election predictions provided a focus for this weekend’s financial press, as industry experts looked towards the next 5 years. The Sunday Telegraph reported on pledges made by the Conservatives during their campaign, including doubling the number of First Time Buyers over the next parliamentary term by extending the Help to Buy scheme, and building 200,000 discounted starter homes.The Sunday Express claimed that a majority vote ...

What the papers say – 21st-22nd March 2015

The recurring theme in the weekend’s financial press was, of course, last week’s Budget announcement. The pros and cons of the Government’s new Help to Buy ISA featured heavily, with the Guardian and Times fleshing out some more detail, while the Telegraph looked at cash ISA’s as a comparison for those wishing to invest larger lump sums. Many welcomed the introduction of a product designed to help First Time Buyers save for their deposit, but the...

What the papers say – 14th – 15th March 2015

The financial press reported this weekend on the gradual increase in rates seen during recent weeks. Experts in the Times and Financial Times reported that a rise in funding rates in the first couple of months of this year means that lenders are looking to increase their profit margin, and further cuts are unlikely for the foreseeable future. Borrowers looking to switch their mortgage are urged to take action now and grab themselves a low fixed r...

What the papers say – 24th to 25th January 2015

What the papers say – 24th to 25th January 2015The Observer reported this weekend on recent figures from the Office of National Statistics, which revealed that 45% of 25-34 year olds currently own their own home – a sizeable drop from 1991 when the figure stood at 65%. The news is not all bad however, as brokers pointed out that rate cuts over the last few months have widened to include those with small deposits rather than being limited to those...

What the papers say – 17th to 18th January 2015

The financial press took a look at different aspects of the Buy-to-Let market this weekend. The Times reported on recent research which revealed that around 16% of those who will be cashing in their retirement pots following April’s ‘pension freedom’ reforms plan to invest in Buy-to-Let property. While this may be a way to generate income into retirement, experts warned that potential investors need to understand the implications regarding income...

What the papers say – 6th and 7th December 2014

The Chancellor’s recent announcement regarding changes to the stamp duty system featured heavily in this weekend’s financial press, although opinion on the potential benefits remained divided. The reforms will see stamp duty charged in a similar way to income tax, with different percentage rates charged to each portion of the price. The changes were generally welcomed, but critics in the Financial Times claimed that a major overhaul is still need...

What the papers say –15th and 16th November 2014

What the papers say –15th and 16th November 2014The Financial Times reported this weekend that the proportion of borrowers using brokers grew to 62% in the 3 months leading up to September, an increase from 58% in the previous quarter, and is expected to keep growing. With the introduction of tougher lending guidelines this year, borrowers have been keen to use mortgage brokers to help find them the best deal and guide them through the stricter a...

What the papers say – 18th and 19th October 2014

This weekend’s financial press focused heavily on new record-low discount mortgages launched by high street lenders, with mortgage experts in the Telegraph, Mail and Times suggesting that it is yet another sign of increased competition in the market. Other lenders are predicted to follow suit with further rate cuts and eye-catching deals. The catch with the very lowest rates however is often the set up costs, which can make them unsuitable for sm...

What the papers say – Week commencing 27th September

Potential changes are afoot in the Buy-to-Let market, which could see the ‘accidental landlord’ phenomenon become a thing of the past. The Times revealed this weekend that a new EU directive, due to be implemented in March 2016, could mean that lenders must make a distinction between deliberate investors and ‘consumer’ landlords – with the latter becoming a regulated part of the market. Critics argued that this would prove to be a complicated and...

What the papers say – 16th and 17th August 2014

There was good news for borrowers in this weekend’s press, with the Financial Times reporting on the Bank of England’s recent indication that an eventual base rate rise will be a gradual one, and unlikely to happen within the next few months. This news has pushed predictions back to the early part of next year, allowing further access to the competitive deals currently on the market. Brokers warned against inaction though, urging homeowners not t...

What the papers say – 26th and 27th July 2014

The Telegraph and Sunday Times both reported this weekend on the difficulties experienced by older borrowers when trying to secure a mortgage. Many of the high street lenders have reduced their maximum lending age, and increased regulation has also resulted in tougher criteria and harsher lending decisions. Brokers suggested those looking for a mortgage term which could take them past the age of 75 would be better off considering smaller building...

What the papers say – 14th and 15th June 2014

With the Council of Mortgage Lenders reporting that around 67% of mortgage are currently on lender Standard Variable Rates, and Bank of England Governor Mark Carney’s recent comments regarding the potential for rates to increase earlier than expected, brokers are anticipating a busy period for remortgaging. Experts in the Sunday Times predicted a spike in fixed rates and urged borrowers to act now to protect themselves, perhaps by considering a l...

What the papers say – 15th and 16th March 2014

The financial press looked this weekend at the impact of new affordability rules coming into force next month in response to the FCA’s Mortgage Market Review. Experts warn that stricter criteria could hamper borrowers’ chances of securing a mortgage, with the Financial Times revealing that some lenders are already reducing borrowing levels for those who have monthly commitments including pension and life assurance contributions. Evidence of payda...

What the papers say – 11th and 12th January 2014

The Observer reported this weekend that a tightening up of rules regarding affordability and the withdrawal of cheap lending will mean mortgages are harder to secure this year. The Mortgage Market Review comes into force in April, and brings with it stricter rules from the Financial Conduct Authority, meaning lenders will be forced to look at borrowers’ finances in greater detail. Homeowners will also be stress tested to see if they can afford th...

What the papers say – 2nd and 3rd November 2013

Lender criteria was the focus of mortgage news in the financial press this weekend, with the Telegraph revealing that lenders are cracking down on borrowers who fail to notify them that they are renting out their properties. Many accidental landlords are trying to avoid being transferred to higher Buy-to-Let rates, so lenders are checking electoral roll registers, social media websites and online letting agencies. The Sunday Times looked at crit...

What the papers say – 3rd and 4th August 2013

The Times and the Guardian both looked this weekend at the growing market for UK holiday lets, now worth around £540 million per year. Leeds Building Society has become the latest lender to enter the market with a specific range of mortgages, joining others including Principality and Cumberland building societies. Some critics argue however that a deluge of outside buyers can have a detrimental effect on the social infrastructure of an area. Rec...

What the papers say – 13th and 14th July 2013

Niche mortgage deals were the focus of this weekend’s financial press, following the launch of the Leeds Building Society 0% mortgage. This deal offers a range of 3 and 5 year fixed rates where the payable rate is 0% for the first 3 or 6 months. Brokers in the Guardian and the Financial Times welcomed the new deal, suggesting that it could benefit First Time Buyers by giving them some breathing space after having used the bulk of their savings on...

What the papers say – 7th and 8th July 2012

Last week’s announcement that ING will be increasing their Standard Variable Rate from 1st August prompted further discussion in this weekend’s financial press about increasing rates. Experts in the Sunday Express and Sunday Times suggested that many borrowers have been sitting happily on SVR for some time now, but recent movements such as this should act as a catalyst for homeowners to review their deal and consider remortgaging now. For those ...

What the papers say – 21st – 22nd April 2012

Lenders including the Co-Op Bank, Halifax and Clydesdale Bank are set to increase their Standard Variable Rates from next month, and thousands of borrowers will see their monthly payments rise as a result. The Times, Sunday Mirror and Observer all highlighted the importance for anyone on their lender’s SVR to review their options now and consider remortgaging to a better deal while they are still available. Experts suggested that many will want t...

What the papers say- 3rd and 4th December 2011

The financial press this weekend urged borrowers to prepare for a second credit crunch by reviewing their mortgage now while deals are still competitive. The Financial Times, Telegraph and Sunday Times all reported that many lenders have already increased rates, and analysts predict further rises next year as the Euro Zone crisis forces up the cost of wholesale funding. Experts recommended that anyone on a low Standard Variable Rate takes the opp...

What the papers say- 22nd and 23rd October 2011

Housing Minister Grant Schapps has been criticised recently for encouraging mortgage lenders to offer longer term fixed rates of up to 30 years in order to give borrowers more security, and experts in this weekend’s financial press continued the discussion. Brokers pointed out that longer term rates are far too inflexible as they lock borrowers in for lengthy periods of time, during which interest rates as well as personal circumstances can chang...

What the papers say- 19th October 2011

With poor rates available for savers both the Daily Mail and Daily Express encourage borrowers to explore whether their savings will give a better return if they are used to offset their mortgage debt. They highlight how an offset mortgage works and how rates on offset mortgages, that used to charge a premium for this feature, have fallen and now compare favourably with standard mortgages. The Daily Mail covers the improved options now available...

What the papers say - 15th-16th October 2011

With 319 different offset schemes now available both the Financial Times and Independent encourage borrowers to explore whether their savings will give a better return if they are used to offset their mortgage debt.  As the Sunday Times indicates the housing market recovery has stalled although some lenders are launching new products to try and help first time buyers return to the market.  The Times looked at whether it is time to switch mortgag...

What the papers say- 6th and 7th August 2011

The Times reported this weekend on the growing demand faced by parents to help their children get on to the property ladder, and the need for more products to allow them to act as guarantors or release equity from their own properties to help First Time Buyers. Lenders including Bath, Leeds and National Counties Building Societies, and the Mortgage Works currently offer guarantor products, but experts say there needs to be more choice available t...

What the papers say- 25th and 26th June 2011

There was widespread coverage in this weekend’s financial press of the new Government FirstBuy scheme, as well as another equity loan deal through Castle Trust. The Guardian looked at the FirstBuy deal, available to qualifying borrowers with a 5% deposit who will be eligible for an equity loan of up to 20% of the property value, with a 75% loan-to-value mortgage taken for the remainder. Experts stressed that First Time Buyer’s need to be fully aw...

What the papers say- 21st and 22nd May 2011

The Mail on Sunday and Sunday Telegraph both reported this weekend on recent figures released by the FSA revealing that, since the credit crunch began, almost 300,000 borrowers have switched their mortgage from Repayment to Interest only due to arrears or other financial problems. Lenders have tightened up on criteria for interest-only mortgages in recent months, with many now limiting borrowing to 75% loan-to-value, a change which could leave ma...

What the papers say- 9th and 10th March 2011

With interest rates remaining low and little incentive to save, for the time being at least, the Guardian reported this weekend that more borrowers than ever are overpaying on their mortgage. Experts pointed out that, not only does this reduce the term of the mortgage and the overall amount of interest paid, it can also increase the amount of equity available and give homeowners access to better rates. With a rate rise likely in the next couple o...

What the papers say- 26th and 27th March 2011

The Government’s new FirstBuy scheme came under fire in this weekend’s financial press, with experts in the Times, Guardian, and Telegraph calling it a gamble at a time when property prices are predicted to fall. Certainly the advice was for potential borrowers to go into schemes like these with their eyes open and fully understand the terms and conditions. The majority of First Time Buyers will in fact still need a sizeable deposit or parental a...

What the papers say- 19th and 20th March 2011

First time buyers were given a boost in this weekend’ financial press, with the Telegraph and Sunday Times reporting on the new Lloyds Local Lend a Hand pilot scheme. The deal allows First Time Buyers to put down a deposit of 5% while the Local Authority provides a further 20%. Experts welcomed the initiative as a good alternative to the ‘Bank of Mum and Dad’, but some expressed concern over its launch at a time of public sector cuts and falling ...

What the papers say- 12th and 13th March 2011

Experts in this weekend’s financial press warned that turning to a fixed rate too early could mean that borrowers lose out on current low variable rates. The Sunday Telegraph, Sunday Mirror and Express all reported that fixed rates have increased over recent weeks due in part to intense demand as borrowers look to take a new deal before rates rise, but homeowners with room in their budget were urged to consider cheaper tracker rate mortgages. The...

What the papers say- 26th and 27th February 2011

The financial press looked kindly on smaller lenders this weekend, with experts in the Financial Times and the Sunday Times reporting that the bigger banks currently only provide 29% of the top 500 deals. Building societies such as Monmouthshire and Leek United are offering some of the most competitive rates, and brokers say that smaller lenders are forward-thinking in their approach to product development. A more personalised service can also be...

What the papers say- 19th and 20th February 2011

This weekend’s financial press focused once again on the anticipated rise in interest rates. Mortgage brokers in the Independent, Sunday Express and Sunday Times reported that a lot of borrowers are now looking to secure a fixed rate to limit their exposure to increases, but many warned that they may have already missed the bottom of the market. Fixing is not for everyone of course, and as the gap between fixed and variable rates widens, many may...

What the papers say- 11th and 12th December 2010

The Sunday Times reported this weekend on the Council of Mortgage Lenders recent estimation that 850,000 First Time Buyers have been unable to secure a loan since the credit crunch began. Experts say the solution now largely depends on the ‘Bank of Mum and Dad’, whether that be with a family offset mortgage, a gifted deposit or by acting as a guarantor – although this is harder in the current market as parents must be able to prove affordability ...

What the papers say - 1st December 2010

With interest rates at rock bottom the only way is up, and the Daily Mirror today looked at what homeowners can do to minimise the pain of paying a higher rate now in order to save in the long term. Several lenders allow borrowers to split their mortgage between a fixed and variable rate for example, and others are offering competitive deals to help homeowners make that difficult decision. Barclays have recently launched a range of ‘Great Escape’...

What the papers say- 27th and 28th November 2010

The Financial Times reported this weekend on the increasingly attractive mortgages deals being offered by lenders such as Woolwich and Skipton, and borrowers were urged to consider their options now, particularly as some deals will be designed to increase year end business and therefore won’t be around for long. Choosing the right deal can be a difficult decision, so the Times looked at alternative options including products that allow you to sw...

What the papers say- 6th October 2010

The midweek financial press today heralded the return of Paragon to the Buy-to-Let market, with experts in both the Daily Mail and Express calling the announcement ‘a good sign of improvement’, particularly in this, a restricted and expensive market. At the height of the boom Paragon was the third biggest buy-to-let lender, and also one of the more cautious, so many feel that that this move could signify a growth in confidence. The Express also ...

What the papers say- 2nd and 3rd October 2010

The Bank of England last week warned that major lenders were planning to impose even stricter criteria on mortgage lending, and this weekend’s financial press considered the impact this could have on both current and future homeowners. The Telegraph revealed that First Time Buyers are already paying thousands of pounds more to borrow the same amount of money as other borrowers, with interest rates as much as 2% higher for a 90% loan to value mort...

What the papers say- 21st and 22nd August 2010

There were further and more alarming forecasts in the Sunday Telegraph this weekend, with the chief economist at the Policy Exchange think tank warning that rates could rise to 8% within the next 2 years to combat soaring inflation. Mortgage lenders have continued to cut rates over the last week however, making it a good time for borrowers to consider locking in now and protecting themselves against rates rises over the next couple of years. Expe...

What the papers say- 4th August 2010

The debate surrounding interest rate predictions continued today, with two former policymakers warning that base rate could rise to as much as 3% by this time next year, following a period of economic stability.  As pointed out in both the Times and the Telegraph, this differs greatly from the majority of forecasts for a longer period of low rates, and will come as a shock to many homeowners.  Rather fortuitously then, the Daily Mail reported th...

What the papers say- 3rd and 4th July 2010

It was time to dust off the crystal ball this weekend, as talk once again turned to future interest rates. Opinions varied as to the extent of any potential changes in rates and house prices, with some experts predicting a double dip over the next couple of years due in part to a lack of available mortgage credit. Others agreed that the market is certainly set to cool down but had a more positive outlook, suggesting that low interest rates will c...

What the papers say - 19th and 20th June 2010

Interest only mortgages are not quite extinct but they are certainly becoming harder to find, as discussed in the Times this weekend. Scottish Widows has become the latest lender to restrict interest only lending to loans below £500,000, bringing it in line with other parts of the Lloyds Banking Group. Lenders including HSBC and Santander now limit the LTV to 75%, while others have tightened up on their list of suitable repayment vehicles. Expert...

What the papers say- 5th and 6th June 2010

The tightening up of interest only lending was big news in this weekend’s financial press, following the announcement by Northern Rock that they will no longer accept future inheritance, dividends, capital repayments or bonuses as suitable repayment vehicles. The Lloyds Group has also recently introduced higher rates for interest only customers, whilst other lenders including Abbey and Coventry have restricted the loan to value to 75%. Experts in...

What the papers say- 17th and 18th April 2010

There was support in this weekend’s financial press for Labour’s plan to turn Northern Rock back into a building society if they win the election, with the Telegraph and Independent on Sunday looking at the benefits of the mutual in terms of both the products and service they offer. Some of the most competitive rates are offered by building societies such as Hanley Economic and Nationwide, although experts pointed out that this is not always the ...

What the papers say- 7th April 2010

Spring traditionally signifies the start of the house buying season, and the Daily Telegraph revealed this week that recent changes to stamp duty have resulted in an increase in enquiries to estate agents and online property sites. Experts said that the recent announcement by the Post Office confirming that it will be offering 90% loans is good news for First Time Buyers, and other lenders are expected to follow suit, but getting together a sizea...

What the papers say- 31st March 2010

The Daily Mail reported today that high street banks are charging borrowers twice as much for life insurance as they would pay if they bought independently. Experts expressed shock at the difference in cost for what is essentially a straightforward policy where the main factor is price, and consumers were urged to shop around rather than taking a policy through their bank or lender for convenience. The Daily Express also looked at life insurance,...

What the papers say- 6th and 7th March 2010

Borrowers who rush to secure a fixed rate when the base rate starts to rise could end up paying over the odds, warned experts in the Observer this weekend. Despite some lenders dropping their rates recently, brokers are still advising homeowners to consider a tracker mortgage unless they are particularly nervous about increasing payments. Those who are taking advantage of low rates are urged to overpay now and reduce the shock of future rate rise...

What the papers say- 3rd March 2010

The Daily Express reported today on recent research by the Post Office, which revealed that at least 3 million borrowers in the UK do not know what interest rate they are currently paying. Thousands of homeowners assume that Standard Variable Rate is the best deal for them, but with many variable rates now above 4%, experts urged people to review their options and consider a medium term fixed rate to protect against future rate rises.  An increa...

What the papers say- 27th and 28th February 2010

There was further bad news for First Time Buyers this weekend, with the Times and Telegraph revealing that Halifax is shortly to withdraw from the guarantor market. This type of mortgage is an important option for those looking to get onto the property ladder for the first time, and the good news is that lenders such as RBS, Co-Op and Nationwide continue to offer these deals. Experts advised however that criteria is tight, with lenders looking to...

What the papers say- 20th and 21st February 2010

Recent improvements in fixed and tracker rates once again grabbed some of the headlines in this weekend’s financial press, with the Telegraph and Mail on Sunday sounding the alarm for borrowers who reverted to Standard Variable Rate in the last 18 months and have seen their payments increase over the last few weeks. Whilst experts previously advised people to stay on low variable rates, it would seem that anyone who doesn’t consider changing now ...

What the papers say- 6th and 7th February 2010

With more lenders increasing their Standard Variable Rates over the last week, the Sunday Times looked at whether it is now time for borrowers to move their mortgage. As a general rule experts suggested that homeowners with more than 20% equity and on a Standard Variable Rate above 3.5% should consider switching now. Economists expect rates to double to 1% by the end of the year, rising to 2.50% by 2011, so the coming weeks appear to be a good ti...

What the papers say- 26th and 27th January 2010

State backed banks came under fire this week, with an investigation by the Daily Mail focusing on the products and services offered by Northern Rock, RBS and the Lloyds Group. All 3 banks have a Government guarantee that savers’ money will be protected and are therefore able to offer headline-grabbing savings and mortgage deals, dominating best buy tables and leaving smaller building societies struggling to compete. In terms of criteria however, ...

What the papers say- 23rd and 24th January 2010

Last week’s announcement by Skipton Building Society of their intention to increase their Standard Variable Rate from 3.50% to 4.95% led unsurprisingly to widespread coverage in this weekend’s financial press. The Society had previously maintained a ‘mortgage promise’, guaranteeing that their variable rate would be no more than 3% above the Bank of England Base Rate, but has removed this ceiling in response to ‘exceptional market conditions’. Exp...

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