UK Interest Rates Will Fall Faster & Further Than Markets Expect, Two Giant US Banks Predict

UK Interest Rates Will Fall Faster & Further Than Markets Expect, Two Giant US Banks Predict
Two major US banks are making bold predictions that UK interest rates will drop faster and more significantly than current market forecasts suggest. In this video, we break down what’s behind these forecasts, how they could affect mortgages and the broader economy, and why this might be a game-changer for anyone watching the financial markets. Stay tuned for the latest insights!
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[@propertyaccelerator]

Read MORE about it on our newest blog: property-accelerator.co.uk/us-banks-uk-interest-rates-fall-faster/

[@Npwn]

I tickled the like button so much that my wife got jealous

[@propertyaccelerator]

Its fine she will eventually understand 😂

[@mattanderson6672]

Fantastic discussion Excellent analysis Thank you Sir I always love listening to you

[@propertyaccelerator]

👍

[@mtbmaddog]

Yes but if you looked at the lenders they put their rates up prior to the Base Rate cut and then have reduced their rates, false advertising by them just like a product retailer!!

[@propertyaccelerator]

Gets them the marketing and headlines they want.

[@paulj6259]

What’s yours thoughts on the mixed commercial Morgages rates i have just had one agreed but rate is 6.2 % 5 year fixed I know they underwrite these differently but now I’m on the fence what to do going forward with taking this Morgage deal

[@propertyaccelerator]

Hey Paul honestly I know very little about commercial stuff. I would speak to a specialist broker.

[@zerosumequation]

For anybody lucky enough to secure a cheap five-year fixed mortgage between 2020 and 2021 - when rates were at historical lows - life is about to become much more expensive. Around 1.8 million mortgage deals will end in 2025, 50pc more than in 2021, according to UK Finance, and those coming on to new deals are set to borrow far more. External remortgaging will climb to £76bn, a staggering 30pc increase on the previous year, as borrowers turn to new lenders in attempts to limit the damage a new deal will do to their monthly budget.

[@propertyaccelerator]

👍

[@FreelanceOptionsDayTrader]

Interest rates will only affect landlords that use debt to buy houses eg mortgage starters eg buy a house cash refurbish refinance rent etc Landlords that own their houses 100% won't be affected as they have no mortgages etc The biggest problem is tenants leaving HMOs because they can't sleep due to loud noise till 3.30am and the slamming doors at any hour of the day or night and the dropping things trend etc Many people in the UK live in a states timezone which is 5 hours behind the UK so 11pm in the states is 4 am in the UK which is why it's difficult to get sleep in a UK HMO until the noise quietens down at 4am ish which is why the public don't want Hmo's in their street

[@propertyaccelerator]

👍

[@ScoFlute]

@@propertyaccelerator HMO's are a social menace and should be banned. Yet another stupid idea brought over from America.

[@monkswhiskers3354]

You hope.

[@propertyaccelerator]

👍

[@user-gz6tx6yp3v]

Millions of homeowners are finally coming off low fixed rates towards the end of this year. Most of these people will see their disposable income disappear and this means the economy will tank, They've had their fun, but now they need to massively drop rates so people can get rates around 3%.

[@propertyaccelerator]

More than half already went onto a higher rate, agreed many more have to see the impact of this but they might cope better than people think. The economy is more likely to drop due to companies laying off staff due to the budget.

[@videogenie1236]

I hope the BOE rate drops faster as my tracker will be cut more as well. Currently, it takes 50% of my monthly income. This months 0.25% reduction means that my mortgage overpayments will reduce the balance quicker.

[@propertyaccelerator]

Fingers crossed for you.

[@FreelanceOptionsDayTrader]

Tenants shouldn't have to pay rent for any night where the HMO is to noisy to sleep as landlords can't charge for a room for a person to sleep in if they can't sleep in a room because it's too noisy

[@propertyaccelerator]

👍

[@sammbaldwin6402]

Inflation isn't going away, we probably get maximum two more cuts this year to keep inflation in check

[@propertyaccelerator]

👍

[@pauljones3073]

People will be reluctant to lend the government money so gilts won't drop so much. Mortgage rates go down when less mortgages are being taken out. Could yoyo over the next few years.

[@propertyaccelerator]

👍

[@Juliukas101]

FEWER mortgages, not less!

[@hosware]

Totally agree but ultimately it depends what the Fed does unless we have a death wish. If our rates go much lower than the US, the pound will decrease in value meaning we’ll need more pounds to buy products sold in dollars like oil making the cost of everything sore. Imports will generally be more expensive. Financial Investments will move out of the city of London in favour of NYC too. So presumably Morgan Stanley are expecting rates to go down in the US otherwise our economy will go to hell in a hand cart and fast.

[@propertyaccelerator]

Looks like they are expecting that.

[@jillhargrave-george4510]

The future of rentals is corporate!

[@propertyaccelerator]

Tenants will not like that.

6 months of negative growth = a recession, so when did this change from 3 months then?

[@propertyaccelerator]

We have 3 months already that were negative, Oct, Nov, Dec so we just need this quarter to not be great. Correct two quarters back to back drops are a recession.

[@reduitman]

Have you got a crystal ball ?

[@propertyaccelerator]

🔮 Yes

[@jonsnow6741]

I found to cash buyers this week sec 21's served and Im out .

[@propertyaccelerator]

Sorry to hear that

[@jonsnow6741]

@@propertyaccelerator I'm Jubilant and off over the fence to pastures new .

[@369dabbler]

Bye

[@Stev616L-d2d]

Told youuuuuu… march .25bps… then 50bps every every meeting … 0 bound is coming

[@propertyaccelerator]

👍

[@brianlopez8855]

I'm already looking forward to your "Easter Carpet Sales !!!" Mr Nicholson

[@fje1948]

I dislike rude people such as yourself…. 🤮

[@propertyaccelerator]

4 free cadburys cream eggs with each order.

[@brianlopez8855]

My last mortgage is due to be paid off June 2025. No more interest payments after that.

[@propertyaccelerator]

Nice work

[@SteveTurnbull666]

Great news for my lifetime tracker, can you even get lifetime trackers anymore?

[@propertyaccelerator]

Not sure not seen one for a while

[@christinemurray1444]

My expectation is another .25 cut before summer and then nothing else for the rest of the year.

[@propertyaccelerator]

👍

[@leemarsden1846]

Hope so mines up for renewal Feb 26 🤩😂

[@propertyaccelerator]

Im 100% certain you will have better rates than we have today by then.

[@Juliukas101]

Mine's up at the end of July this year, hence I'm hoping we'll see another cut or two by then!

[@TheTrinitygroup]

I don’t think rates will go down, we live in a very volatile world rates are reasonably low, a fix is best option, rates went up to 17% not that long ago . Imagine the carnage.

[@Juliukas101]

In 1979 they did! That was AGES ago!

[@propertyaccelerator]

👍

[@TheTrinitygroup]

@@Juliukas101 46 years ago, what could stop it happening again , can you afford to gamble, fix rate is low enough now not to take the risk imo

[@ErnestineAlice-u3y]

I’m 27 years old, lost my dad half a year ago and have just received 350k inheritance. Would it be smart to grow my money in stocks while in college and then pay down mortgage afterwards, or should I go for real estate investing first since I'm still young?

[@HenryHamilton-z2f]

I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for" "Expert solutions require Expert providers" - my mantra

[@propertyaccelerator]

If you invest in stocks dont pick single stocks, go for an index tracker that is safest way to invest.

[@zerosignal5821]

My mortgage is due in August this year. What should i do?

[@propertyaccelerator]

I would start speaking to a broker fairly soon

[@TheTrinitygroup]

You can usually get a new deal 6 months before your current deal ends, sometimes 4 months in advance, see what your current lender has to offer then see if you can get a better deal elsewhere, or if you have enough money, pay it off.

[@paulkernan6732]

Nothing new here

[@propertyaccelerator]

👍

[@nathalycarolinaaa]

I am still confused, there’s so much going on I don’t know whether is a good time to invest in a property or hold tight… any advice from property investors with experience? Thanks

[@naeedaafzal3055]

if I were you wait, because prices are on standstill and will fall. Even if you pay more stamp duty, you will still be better off if the prices really drop alot, they will do

[@propertyaccelerator]

Its always good if you find a good deal you can add value. We have a course thats only £25 to help you get all the knowledge you need - property-accelerator.co.uk/fundamentals-of-property-investing/

[@memories-fh5fd]

HSBC...you know what to do...

[@propertyaccelerator]

👍

[@robertsmith6297]

BoE interest rates are not mortgage rates! This guy talks 💩

[@mymanifesting]

I think that's a given - assuming you know the basics, of course(?).

[@robertsmith6297]

Indeed, and inevitable devaluing of the pound and recession/depression, LIBOR rates won't matter. Assuming you know the basics, of course(?).

[@propertyaccelerator]

Robert we talk about swap rates and their impact on mortgage rates every week. BOE rates do impact those on trackers.

[@naeedaafzal3055]

Agree totally

[@matthewgrainger3658]

you are spot on , just a load of waffle

[@nabazhamad5988]

❤

[@propertyaccelerator]

👍

[@iatanassov6687]

Well cutting the interest rates when the economy is a step away from collapse is madness.

[@propertyaccelerator]

👍

[@zerosumequation]

maximum two more cuts this year

[@propertyaccelerator]

👍

[@millwallfan06]

Drop to 2% so the working class can buy, and have a quality of life at the same time. Like your grandparents. It’s our turn now! 🎉🎉🎉🎉

[@deanregan7011]

That will just put prices up. The only fix will be to build far more houses to lower competition.

[@propertyaccelerator]

👍

[@joebacchetti5890]

Labour are hopeless but so were the Tories. What next?

[@propertyaccelerator]

👍😬

[@toneloc-cz2xi]

Reform - they'll be equally useless and establishment owned but far more harsh & right wing - by 2029 NO ONE will want to vote LibLabCon so Reform should be a shoo in

[@lourisdides2481]

Is it possible to get but to let as first property.if you are living with parents and have big deposit? No job!

[@propertyaccelerator]

Yes it is speak to a local mortgage broker who will help you.

[@NarinderChima]

Your first property can’t be a buy to let, however you can buy it and then you change mortgage to a BTL.

[@Hughes4262]

​@@NarinderChimawrong. My first property was buy btl

[@TonyHill-xq8ri]

This is totally incorrect, interest rates are going to stagnate from the BOE , PEOPLE YOU NEED TO REMEMBER THIS IS THE NORMAL INTEREST RATE SPECTRUM

[@propertyaccelerator]

Rates might be about average historically but the way we print and lend money now works with lower rates. If you listen to the Bank Of England meetings which I do monthly they say rates over time will go down to 2.5% that is the new normal.

[@matthewgrainger3658]

you are spot on !

[@mark196233]

I agree, inflation is forecast to rise so rates will be slow to drop or even rise.

[@G1CHO]

I believe they don't want a drop. Not at all. "They said" = so what. They lie all the time

[@darrenbennett2144]

Really​@@propertyaccelerator

[@johnmadrid9865]

You’ll see another 2 x 0.25% reductions this year

[@propertyaccelerator]

👍

[@matthewgrainger3658]

yes that is what i think and rates going up in 2026 .