Money and interest rates
Bank Rate, mortgage rates and savings rates from the Bank of England.
Bank Rate
The interest rate the Bank of England sets. Mortgages, savings and loans all follow it. It holds its level between decisions, so the line is drawn as a step.
Figure for 17 Sep 2026
Source: Bank of England, Open Government Licence v3.0
Two year fixed mortgage
The average rate on a new two year fixed mortgage at 75% loan to value.
Figure for Aug 2026
Source: Bank of England, Open Government Licence v3.0
Five year fixed mortgage
The same, for a five year fix. It usually moves less sharply than the two year rate.
Figure for Aug 2026
Source: Bank of England, Open Government Licence v3.0
Instant access savings rate
The average advertised rate on instant access savings accounts, weighted by how much business each provider does.
Figure for Aug 2026
Source: Bank of England, Open Government Licence v3.0
One year fixed bond rate
The average rate on a one year fixed term savings bond.
Figure for Aug 2026
Source: Bank of England, Open Government Licence v3.0
Standard variable rate
What a mortgage normally reverts to when a fixed or tracker deal ends.
Figure for Aug 2026
Source: Bank of England, Open Government Licence v3.0
SONIA overnight rate
What banks actually pay to borrow from each other overnight. It tracks Bank Rate closely and moves daily rather than in steps.
Figure for 16 Sep 2026
Source: Bank of England, Open Government Licence v3.0
Mortgage approvals
How many mortgages are approved for house purchase each month. It tends to move before prices do.
Figure for Jul 2026
Source: Bank of England, Open Government Licence v3.0
Consumer credit growth
How fast household borrowing on cards, overdrafts and loans is growing compared with a year earlier.
Figure for Jul 2026
Source: Bank of England, Open Government Licence v3.0
Money supply growth
How fast the total amount of money held in the economy is growing, measured as M4.
Figure for Jul 2026
Source: Bank of England, Open Government Licence v3.0