News
Official UK releases that change what remortgaging costs, such as Bank Rate decisions and the Bank of England’s monthly mortgage figures, explained with worked £ examples from our calculators. Illustrative only; not advice.
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Published by Rodway Labs — not a mortgage adviser
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Written and checked by Rodway Labs.
Latest posts
Bank Rate rises to 4%: what the November 2026 decision means for remortgaging
The Bank of England raised Bank Rate by 0.25 points to 4% on 5 November 2026, by 8 votes to 1. What it changes for a running fix, a tracker, the SVR and a fix ending soon, with a worked £185,000 example.
Mortgage rates and remortgaging: Bank of England Money and Credit, September 2026
The rate on newly drawn mortgages rose to 4.63% in September while the rate on all outstanding mortgages was 4.03%, and remortgage approvals rose to 42,600. What the gap means in pounds on a £185,000 balance.
What this section covers
News posts follow official events that change what a remortgage costs or how a switch is timed: a Bank of England decision on Bank Rate, the Bank’s monthly Money and Credit statistics on mortgage rates and approvals, or a change to the rules lenders follow. We do not cover individual lenders’ deals, rate tables or market gossip. Each post asks a narrow question: what has changed for someone whose fixed rate is ending, who is on a tracker or the standard variable rate, and what has not?
Where the figures come from
Facts come from official sources linked in each post, mainly the Bank of England, with the FCA and MoneyHelper for how mortgages work in general. £ figures come from running the same repayment maths as our repayment calculator on the site’s shared EXAMPLE case (£185,000 over 22 years), so you can enter the same inputs and get the same answer. Rates in those examples are labelled scenarios, not quotes or forecasts.
How posts are updated
Each post shows the date it was first published and the date it was last updated. A preview written before an announcement says so, and is updated once the result is published. If you spot something out of date, the editorial policy explains how corrections are made. For background on the terms used, see the glossary.
Remortgage Lab is published by Rodway Labs. It is not a lender or broker, and posts are illustrative, not personalised financial advice. If mortgage payments feel hard to manage, MoneyHelper offers free guidance.