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The Bank of England base rate has been held at 3.75% since December 2025, yet the average two-year fixed mortgage rose sharply through 2026. Here is a plain-English explanation of what actually drives the rate your lender quotes you, and what you can do about it right now.
National headlines put annual house price growth at under one per cent, but that figure hides sharp regional splits. Whether you are buying, selling, or letting, understanding where your local market sits tells you far more than any national average.
Mortgage rates are high, yet stock levels are the best they have been in over a decade and sellers are open to negotiation. If you are a first-time buyer trying to decide whether to act now or hold on, here is an honest look at both sides of the argument to help you make a more informed choice.
“ have used Cooke and Co for many years, both to buy my rental property and as my managers and the team I work with in Ramsgate is faultless. Proactive, highly organised , super responsible and incredibly kind. I could absolutely ...”
“We recently sold a property through Cooke & Co, and appreciate the positive and supportive advice given throughout the whole process. From start to finish, the team goes above and beyond to get matters dealt with promptly and keep...”
“I can't praise the Cooke & Co team highly enough they were prompt an efficient. They were incredibly helpful and accommodating to our many queries and requests. They kept us informed when our solicitor was not passing on relevant ...”
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