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Why your mortgage bill might rise as rates fall

Economy
United Kingdom
Started January 29, 2026

This article was original shared on the Resolution Foundation’s Substack. I’ve been writing about rising mortgage rates for some time now. During that time, mortgage interest has become an increasingly big deal. Last year, around 8 million British households stumped up a total of £65 billion in mortgage interest – almost double the £35 billion … Continued The post Why your mortgage bill might rise as rates fall appeared first on Resolution Foundation

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CLAIM Posted by will • Jan 29, 2026
As mortgage interest payments rise, government intervention is necessary to protect vulnerable families from financial distress.
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CLAIM Posted by will • Jan 29, 2026
Lower interest rates should lead to reduced mortgage bills, benefiting homeowners and stimulating the economy.
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CLAIM Posted by will • Jan 29, 2026
Mortgage bills may rise despite falling rates due to lender practices, burdening households already facing financial strain.
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CLAIM Posted by will • Jan 29, 2026
Falling rates do not guarantee lower bills, as lenders may prioritize profit over passing savings to borrowers.
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CLAIM Posted by will • Jan 29, 2026
The relationship between mortgage rates and household bills is complex and varies significantly based on individual circumstances.
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