Path of interest rates

Path of interest rates

Recent rapid rises in interest rates have left borrowers wondering where this will end. The current Bank Rate is 5%.


  • In the short term there are expected to be further interest rate rises. The consensus of forecasts average at 5.6% for the end of this year. Over the longer term the Bank Rate is expected to come down: forecast to be below 3% again in 2026 and 2027.
  • The steepness of the increase is comparable with the sharp drop as the economy entered the Global Financial Crisis.
  • June inflation data had tentative evidence of improvement which could help improve the long term interest rate outlook. Source: #Dataloft, Bank of England


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With the Renters' Rights Act 2025 coming into effect on 1st May 2026, the clock is ticking. As a landlord in Hemel Hempstead, understanding and preparing for these significant changes is not just crucial, it's urgent. There are just 5 weeks left to ensure full compliance.

If you are thinking about moving in the next 6 to 12 months, a market appraisal is often the best first step. It gives you a clearer view of value, timing and buyer demand, helping you plan with more confidence in a competitive 2026 market.

April is a good time for buyers to focus on readiness rather than guesswork. In a market where choice has improved but confidence remains mixed, being organised can make all the difference when the right home comes along.

Rental demand remains resilient in early 2026, but growth has moderated. For landlords, spring is less about reacting and more about refining strategy.