Why mortgage rates will not return to recent lows any time soon

By Alper Kara, Professor and Head of Department - Accounting, Finance and Economics, University of Huddersfield
Muhammad Ali Nasir, Associate Professor in Economics, University of Leeds

The Bank of England base rate has increased steeply from 0.25% in January 2022 to 4.25% in March 2023. More than 4 million UK households now have significantly higher mortgage costs as a result, while also dealing with the impact of soaring prices for other items such as food and energy.

This pain will only continue as those households that secured low fixed rates before…

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