Interest Rates

Paul Hilton, CEO of leading Scottish property portal ESPC, shares his insights into what he thinks will happen in the housing market in 2025.

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Chancellor of the Exchequer Rachel Reeves has defended her handling of the economy

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Yields on 10-year gilts hit the highest point since 2008 on Thursday, at 4.89%, before settling later in the afternoon, sitting one basis point higher for the day at 4.82% when London’s market closed.

Analysis Gilts are volatile - should you be worried about your mortgage?

Scotland dipped to a ten-year low for all sector new home builds in 2024 (Picture: stock.adobe.com)

Mixed picture emerges as the focus switches to 2025 - David Alexander

Britain’s economy hit a number of major milestones in 2024 as lower inflation paved the way for the first interest rate cuts for over four years, but the path was far from smooth.

UK economy faces threat of ‘stagflation’ after bumpy 2024

(Photo: JONATHAN BRADY/POOL/AFP via Getty Images)

Economy heading to 'worst of all worlds' with decline expected in 2025

The Old Crofters Cottage, near Broadford on the Isle of Skye, Scotland, 20th century (Picture: CM Dixon/Heritage Images/Getty Images)

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The Bank of England has held interest rates at 4.75% as it cautioned over “heightened uncertainty in the economy” following the UK Budget and US presidential election.

Mortgage relief for Scots delayed for months with interest rates held

Does it suit?

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The Chancellor of the Exchequer Rachel Reeves speaks to the media about the Office for National Statistics GDP stats for October during a visit to the Darwen Banking Hub in Darwen, Lancashire.

Experts react to UK’s economic contraction - what’s next for growth?

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How AI and Net Zero will transform three Scottish cities by 2050

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I'm a mortgage expert - my top tips to save for your first home

Analysis Inflation shock: What the rise to 2.3% means for your savings and borrowings

The Bank of England has cut interest rates for the second time in four months, after inflation fell back to normal levels earlier this year.

Explainer Why were interest rates cut and what does it mean for your mortgage?

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Bank of England Governor Andrew Bailey (C) attends the central bank's Monetary Policy Report press conference at the Bank of England on 7 November 2024 (Photo: Henry Nicholls - WPA Pool/Getty Images)

Bank of England cuts interest rates again - what it means for you

Stock markets in the UK and across Europe faltered on Wednesday afternoon while Wall Street soared in reaction to Donald Trump’s election as president.

Dollar soars and Scotch spooked - markets react to Trump triumph

Donald Trump speaks during an election night event at the West Palm Beach Convention Centre in West Palm Beach, Florida, on 6 November (Photo: JIM WATSON/AFP via Getty Images)

How Trump’s return to power could impact UK mortgages and inflation

Bank of England policymakers face a delicate balancing act when it comes to future interest rate decisions.

Analysis Next interest rates cut 'nailed on' but the future is far less clear

Sandy Begbie CBE is Chief Executive of Scottish Financial Enterprise

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UK Business insolvencies surge amid rising interest rates and energy price crisis

Ad Feature UK Business insolvencies surge amid rising interest rates

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Odds of a Premium Bonds win will worsen this year as NS&I cuts prizes

Inflation in the UK decreased last month to 1.7%, according to official data.

Interest rate cut ‘nailed on’ after inflation falls to three-year low

(Photos: Getty Images)

UK inflation drops below Bank of England target: what it means for you

Chief Secretary to the Treasury Darren Jones

Explainer What surprise inflation drop means for spending, saving and mortgages

Rachel Reeves listens to Keir Starmer on the Labour general election campaign trail in May (Photo: JUSTIN TALLIS/AFP via Getty Images)

Budget 2024: when it is and what could be in it - as PM warns of pain

These have been a stormy few months for rate-setters at the Bank of England, above.

Interest rate hold: The impact for borrowers and savers and when rates will fall

City workers walk past the Bank of England in London (Photo: Leon Neal/Getty Images)

Inflation rises above 2% - what that means for consumers

Ad Feature Mortgage market improvement through technology

Analysis Mortgages, savings and loans - what the interest rate cut means for you

Diversification pays

Ad Feature Concentrate on diversification

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I'm a mortgage expert - 9 pitfalls that first time buyers should avoid

People look at residential properties displayed for sale in the window of an estate agents' in London (Photo: ISABEL INFANTES/AFP via Getty Images)

Expert tips for first-time homebuyers as mortgages jump 61% in 5 years

Ross Leckridge of Aberdein Considine

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Scots dodge financial scenarios as 31% struggle with everyday maths problems

Scots dodge financial scenarios as 31% struggle with everyday maths

Housing emergency and hopes for a summer interest rate cut

The time is now to make an MOT on your money

Analysis Interest rates: Bank of England plays waiting game but cut could come in May

Joanna Morris, head of insight at Novuna Business Finance: 'As the backbone of the economy, small business owners find themselves in a relentless battle against rising costs and unpredictable market conditions.'

Scottish business owners being kept awake by high interest rates and Brexit

Image: Adobe Stock

John McHugh: the residential market is proving resilient

The Office for National Statistics' data for January revealed a monthly drop in food prices of 0.4 per cent - the first since September 2021. Picture: Greg Macvean

Interest rates could be cut this spring as UK inflation holds steady: food falls

Many adults are starting to prioritise savings over stocks and shares
The number of Brits who choose to invest their money in stocks and shares fell last year as economic uncertainty and the high cost of living suppressed the mark...

Rob Aberdein is Chief Commercial Officer, Progeny (Picture: Ian Georgeson)

My crystal ball suggests a tricky year ahead - Rob Aberdein

The Bank of England has made a new announcement on the interest rate. (Credit: Aaron Chown/PA Wire)

Bank of England announces that interest rate will remain at 5.25%

Analysis Interest rates: Bank of England takes a breather but will November see a rise?

The Bank of England has announced a new interest base rate after an unexpected drop in inflation. (Credit: Getty Images)

Bank of England announces interest rates will remain at 5.25%

The latest Bank of England meeting could prove to be a stormy one if there is a difference of opinion on the rate-setting monetary policy committee (MPC).

Interest rate hike hangs in balance after surprise cooling in inflation

Interest rates: How another hike will affect your mortgage, savings and annuity

The UK economy shrank by 0.5 per cent in July, prompting more recession fears. Picture: Getty Images

Interest rates UK: Home owners on tracker mortgages set to pay £324 more a month...

Top tips to make the most of rising interest rates

Average regular weekly earnings growth was 7.8% in the three months to July, matching consumer price inflation over the same period.

Interest rates: Hike imminent amid fears over 'dreaded' wage/price spiral

Food prices increased by an average of 14.9% in July against the same month last year, easing back from 17.3% growth for June.

Interest rates to rise within weeks despite inflation falling to 17-month low

How rates hike will impact borrowers and savers and when they will fall

Money worries are stacking up for many people against a backdrop of high inflation and rising interest rates.

Bank of England raises interest rates to fresh 15-year high

New research suggests that more than 30 million adults across the UK are still saving despite the rising cost of living.

Bank of England's fiscal tightening and FCA rules spell good news for savers

Here are eight important money changes coming in August 2023.

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