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The UK mortgage & housing market, in July
A new PM, Rayner back at Housing, the £4.5bn housebuilder class action filed, mortgage rates cut then hiked mid-month — and the most hawkish BoE split in three years.
Read issue → Base rate news · 30 July 2026Bank of England holds base rate at 3.75% — July decision
The MPC votes 6–3 to hold for a fifth time — three members now want a hike, making September a live meeting. Full rate history and what it means for your mortgage.
Read post → Guide · Borrowing & affordabilityHow much mortgage can I get on a £50,000 salary?
Income multiples, regional affordability, monthly repayments, joint applications and the routes to borrowing more than 4.5× — with clear numbers to work from.
Read guide → Base rate news · 19 June 2026Bank of England holds base rate at 3.75% — what it means for your mortgage
The MPC votes 7–2 to hold for a fourth time. The full 2-year rate history, what it means for fixed and tracker rates, and the outlook for 2026–27.
Read post → Issue 01 · June 2026The UK mortgage & housing market, in June
Bank Rate held at 3.75%, mortgage approvals fall 14.9%, the steepest June asking-price drop in 14 years — and housebuilders stage a mid-month rally.
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