With the base rate at 3.75% and a further cut likely in March, the fixed-vs-tracker debate is more finely balanced than it has been in years. Here is the framework to make the right call for your circumstances.
The Bank of England base rate sits at 3.75% in early 2026, with a cut to 3.5% expected on 19 March. Here is exactly what that means for homeowners on trackers, SVRs, and fixed-rate deals — and whether now is the right time to act.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. VSure Financial Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on XX/XX/2026.