{"id":195719,"date":"2025-12-22T02:42:06","date_gmt":"2025-12-22T02:42:06","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/195719\/"},"modified":"2025-12-22T02:42:06","modified_gmt":"2025-12-22T02:42:06","slug":"will-mortgage-rates-drop-below-3-5-in-2026-vote-now","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/195719\/","title":{"rendered":"Will mortgage rates drop below 3.5% in 2026? Vote now"},"content":{"rendered":"<p class=\"\">Mortgage rates are set to fall in the weeks ahead following the Bank of England&#8217;s decision to cut the base rate from four per cent to 3.75 per cent, but how far it will fall remains up for debate.<\/p>\n<p>Analysts note the central bank&#8217;s move could result in a Christmas mortgage price war between lenders, which bring the cost of borrowing to buy a home down <a href=\"https:\/\/www.gbnews.com\/money\/mortgage-rates-fall-bank-of-england-cut-interest-rates\" target=\"_blank\" rel=\"nofollow noopener\">to as low as 3.5 per cent.<\/a><\/p>\n<p>As it stands, the lowest interest rate on offer for a two-year fixed deal is 3.55 per cent from Santander, with NatWest having a five-year fixed deal with a 3.75 per cent rate attached.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" id=\"a40b0\" data-rm-shortcode-id=\"e09f4e0c2116b281fe8a5c8aa543bf8d\" data-rm-shortcode-name=\"rebelmouse-image\" class=\"rm-shortcode rm-lazyloadable-image \" lazy-loadable=\"true\" src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201600%20900'%3E%3C\/svg%3E\" data-runner-src=\"https:\/\/www.newsbeep.com\/nz\/wp-content\/uploads\/2025\/12\/mortgage-holders.jpg\" width=\"1600\" height=\"900\" alt=\"Mortgage holders\"\/><\/p>\n<p>Will mortgage rates drop below 3.5 per cent in 2026?<\/p>\n<p> | GETTY<\/p>\n","protected":false},"excerpt":{"rendered":"Mortgage rates are set to fall in the weeks ahead following the Bank of England&#8217;s decision to cut&hellip;\n","protected":false},"author":2,"featured_media":195720,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[9953,138,219,3508,300,16400,111,139,69],"class_list":["post-195719","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-bank-of-england","tag-business","tag-economy","tag-interest-rates","tag-money","tag-mortgage","tag-new-zealand","tag-newzealand","tag-nz"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/195719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=195719"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/195719\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/195720"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=195719"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=195719"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=195719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}