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Mortgage rates look likely to fall in 2025

After constant rises in 2023, mortgage rates finally started to come down in 2024. Consumer body, Which? Says it expects this trend to continue in 2025 – which is good news if you plan to add to your buy-to-let portfolio and are waiting for more favourable rates to offset some of the additional legislation and tax changes set to be introduced next year.

Which? Figures show that two-year fixed rates fell only marginally in 2024, down from 5.93% to 5.62%. However, it expects that some mortgage rates could fall as low as 3.5% by December 2025. This prediction is based on the presumption that the Bank of England will lower the base rate from 4.75% to 4%.

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