The Bank of England Holds Base Rate at 4.00%!! What It Means for You??

Prosper Mortgage Solutions Ltd • November 7, 2025

The Bank of England has voted to hold the base rate at 4.00%, following a very close decision by the Monetary Policy Committee (MPC). The MPC, made up of nine members including the Governor, Deputy Governors, the Chief Economist, and external experts, voted 5–4 to keep rates unchanged — reflecting a cautious stance amid ongoing economic uncertainty.

A Sign of Caution

This decision highlights the Bank’s careful approach as it waits to see how inflation and economic growth develop in the months ahead. With inflation still above target and signs of slower economic momentum, holding the rate allows time to assess whether the current level of tightening is sufficient to bring inflation down sustainably.

What This Means for Borrowers

If you’re currently on a tracker or variable rate mortgage, your monthly payments will stay the same for now.



However, there’s been an interesting shift in the market — some lenders had already lowered their fixed mortgage rates in anticipation of a potential rate cut.


This means we could continue to see competitive mortgage deals becoming available, even though the base rate itself hasn’t changed. It’s a reminder that lender pricing can move independently of the Bank of England’s decisions, based on wider market confidence and funding costs.

What to Watch Next

All eyes are now on Rachel Reeves’ upcoming Autumn Budget, which could set the tone for future interest rate decisions and the wider housing market. Fiscal policy announcements on taxation, spending, and economic growth will play a key role in shaping mortgage rates over the coming months.

Our View at Prosper Mortgage Solutions

At Prosper Mortgage Solutions, we believe this decision provides a short-term sense of stability for homeowners and buyers alike. While the base rate remains steady, opportunities still exist to secure a competitive deal or review your current mortgage to ensure it remains right for your circumstances.



If you’re considering a remortgage, moving home, or buying your first property, now is a great time to explore your options and get tailored advice from a qualified broker.


Get in touch:


Phone - 07825 770882

Email - prospermortgagesltd@outlook.com



“Your house may be repossessed if you do not keep up with your mortgage repayments.”

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First-Time Buyer Mortgages in Gerrards Cross & Buckinghamshire: The Complete 2025 Guide

By Prosper Mortgage Solutions Ltd • December 19, 2025
Buying your first home in Gerrards Cross or Buckinghamshire is an exciting milestone, but it can also feel overwhelming. This comprehensive first-time buyer mortgage guide for 2025 explains everything you need to know before stepping onto the property ladder. A first-time buyer in the UK is someone who has never owned property before. This status can provide access to specialist mortgage products and government support schemes. Most first-time buyers in Buckinghamshire will need a minimum deposit of 5%, though a 10% deposit often provides access to better mortgage rates. Currently, there are a few lenders who are also offering mortgages with 0% deposit and to people on visas. Lenders typically assess affordability based on income, outgoings, and credit history, with borrowing limits usually up to 4–4.5 times annual income. Mortgage options include fixed-rate mortgages, tracker mortgages, and discounted deals. Choosing the right mortgage depends on your financial goals and appetite for risk. The mortgage process includes obtaining an Agreement in Principle, making an offer, submitting a full mortgage application, and completing legal checks. Having a local mortgage broker in Gerrards Cross can make this process far smoother. Government schemes such as Lifetime ISAs and Shared Ownership remain popular with first-time buyers in 2025, but it is important to understand the long-term commitments involved. At Prosper Mortgage Solutions Limited, we specialise in supporting first-time buyers across Gerrards Cross and Buckinghamshire. Our goal is to provide clear, honest mortgage advice and help you secure a mortgage that supports your future plans. Getting onto the property ladder in Buckinghamshire is achievable with the right preparation, advice, and mortgage structure. “Your house may be repossessed if you do not keep up with your payments.”

Is 2025 the Right Time to Review Your Mortgage?

By Prosper Mortgage Solutions Ltd • December 17, 2025
Homeowners across Gerrards Cross and Buckinghamshire are increasingly asking whether 2025 is the right time to review their mortgage. With UK mortgage rates continuing to change, a mortgage that once suited your needs may no longer be the most cost-effective option. A mortgage review in Gerrards Cross allows you to assess whether your current rate is still competitive, whether your fixed rate is ending soon, or whether your financial circumstances have improved. Even small changes such as increased income, reduced debts, or rising property values in Buckinghamshire can unlock better mortgage options. Many homeowners wait until their deal ends, but reviewing your mortgage up to six months before expiry can help you secure a suitable remortgage and avoid reverting to a lender’s standard variable rate. In 2025, mortgage lenders are offering a wide range of fixed and tracker products. Whether you are considering remortgaging, overpaying or restructuring your mortgage to improve affordability, tailored advice is essential. At Prosper Mortgage Solutions Limited, based near Gerrards Cross, we provide personalised mortgage reviews designed to help local homeowners make informed decisions and potentially save thousands over the life of their mortgage. If you live in Gerrards Cross, Buckinghamshire, and are unsure whether your mortgage is still right for you, a review could give you clarity and peace of mind. “Your house may be repossessed if you do not keep up with your payments.”