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Will mortgage and savings rates continue to fall as the base rate holds again?  LUNCH MONEY<!-- wp:html --><div> <p><strong>Watch Lunch Money on what the Bank of England decision means for people</strong></p> <p class="author-section byline-plain">This is why it’s money <a target="_blank" href="https://twitter.com/intent/follow?screen_name=thisismoney&tw_p=followbutton" class="twitter-follow-author" rel="noopener"><span class="follow-author"></span></a> </p> <p class="byline-section"><span class="article-timestamp article-timestamp-updated"> <span class="article-timestamp-label">Updated:</span> 09:04 EST, February 1, 2024 </span> </p> <p> <!-- ad: https://mads.dailymail.co.uk/v8/us/money/lunchmoney/article/other/para_top.html --> <!-- CWV --><!--[if !IE]>>--> <!-- <!--[if IE]>--></p> <p> <!--[if !IE]>>--> <!--<!--[if IE]>--></p> <p> <!--[if !IE]>>--> <!--<!--[if gte IE 8]>>--> <!-- <!--[if IE 8]>--></p> <p> <!--[if IE 9]>--></p> <p> <!--[if IE]>--></p> <p> <!--[if !IE]> --> <!--</p> <p> <!-- SiteCatalyst code version: H.20.3. Copyright 1997-2009 Omniture, Inc. More info available at http://www.omniture.com --> </p> <p> <!-- End SiteCatalyst code version: H.20.3. --> <!--[if IE]>--></p> <p> <!--[if !IE]> --> <!--<!--[if IE]>--></p> <p> <!--[if !IE]> --> <!-- </p> <p> <!-- CWV --></p> <div> <p class="mol-para-with-font">The Bank of England maintained the base rate again today, the fourth time since September.</p> <p class="mol-para-with-font">Rates have almost certainly peaked this cycle, but are stuck at 5.25 percent; However, mortgage and savings rates have fallen substantially.</p> <p class="mol-para-with-font">In this episode of Lunch Money, Lee Boyce and Simon Lambert discuss what maintaining the base rate means for borrowers and savers.</p> <p class="mol-para-with-font">They discuss whether mortgage and savings rates will continue to fall and when the Bank of England might cut.</p> <div class="artSplitter mol-img-group"> <div class="mol-img"> <div class="image-wrap"> </div> </div> <p class="imageCaption">Peaking: How the Bank of England’s base rate increases have stabilized</p> </div> <p class="mol-para-with-font">A rate decision was also made last night on the other side of the Atlantic, with the US Federal Reserve also holding rates on hold. But for investors it’s less about what the Fed did than what it said.</p> <p class="mol-para-with-font">Interactive Investor’s Victoria Scholar explains the Fed’s decision, the market reaction, and what rate expectations mean for investors. </p> <p class="mol-para-with-font">And finally, it’s the first of the month, so it’s premium bonus day – we reveal what we know about the savers who scooped the £1m prizes in February.</p> <h3 class="heading--2-4-3 ccox link-ccox"><a target="_blank" href="https://www.thisismoney.co.uk/money/lunchmoney/index.html" class="ccox link-ccox" rel="noopener">Lunch money</a></h3> </div> <p> <!-- ad: https://mads.dailymail.co.uk/v8/us/money/lunchmoney/article/other/inread_player.html --></p> <div class="column-content cleared"> <div class="shareArticles"> <h3 class="social-links-title">Share or comment on this article: Will mortgage and savings rates continue to fall as long as the base rate holds again? LUNCH MONEY</h3> </div> </div> <p class="mol-style-italic byline-section justify">Some links in this article may be affiliate links. If you click on them, we may earn a small commission. That helps us fund This Is Money and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.</p> </div><!-- /wp:html -->

Watch Lunch Money on what the Bank of England decision means for people

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The Bank of England maintained the base rate again today, the fourth time since September.

Rates have almost certainly peaked this cycle, but are stuck at 5.25 percent; However, mortgage and savings rates have fallen substantially.

In this episode of Lunch Money, Lee Boyce and Simon Lambert discuss what maintaining the base rate means for borrowers and savers.

They discuss whether mortgage and savings rates will continue to fall and when the Bank of England might cut.

Peaking: How the Bank of England’s base rate increases have stabilized

A rate decision was also made last night on the other side of the Atlantic, with the US Federal Reserve also holding rates on hold. But for investors it’s less about what the Fed did than what it said.

Interactive Investor’s Victoria Scholar explains the Fed’s decision, the market reaction, and what rate expectations mean for investors.

And finally, it’s the first of the month, so it’s premium bonus day – we reveal what we know about the savers who scooped the £1m prizes in February.

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