June base 率 削減（する） now ありそうもない after インフレーション reading higher than 推定する／予想するd: What does it mean for YOUR mortgage?

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Bank of England base 率 率 削減（する）s next month now look ますます ありそうもない after インフレーション （機の）カム in above what was 予測（する）.

The 消費者 Price 索引 手段 of インフレーション （機の）カム in at 2.3 per cent in April, higher than market 予測s of 2.1 per cent.

While インフレーション has now dropped to its lowest level since summer 2021, it remains above the Bank of England's 的 of 2 per cent.

Almost 負かす／撃墜する to 的: 消費者物価指数 インフレーション fell はっきりと to 2.3 per cent in April, but above 期待s of 2.1 per cent

This has led many to 推測する the Bank of England will now keep the base 率 at 5.25 per cent for the seventh time in a 列／漕ぐ／騒動 when it 再召集するs on 20 June.

The market now 示唆するs a 16 per cent chance of a June 率 引き上げ（る） compared to 60 per cent last week, によれば Reuters.

The higher base 率 has led to higher mortgage costs for many - 特に those who have needed to remortgage.

As many as 1.6 million mortgage borrowers are rolling off their 直す／買収する，八百長をするd 率 mortgages over the course of this year, many of whom will 現在／一般に be on a 率 of 2 per cent or いっそう少なく.?

Today's インフレーション reading means that people looking to buy or remortgage will likely have to wait a little longer for any meaningful 転換 in 利益／興味 率s.

The 普通の／平均（する） two-year 直す／買収する，八百長をするd mortgage 率 is now 5.93 per cent, によれば Moneyfacts, and the 普通の／平均（する） five-year 直す／買収する，八百長をする is 5.5 per cent.?

The cheapest five-year 直す／買収する，八百長をするs are all above 4.3 per cent while the lowest two-year 直す／買収する，八百長をするs are all above 4.65 per cent.

David Hollingworth, associate director at L&C Mortgages said: 'It's good news to see the headline 率 of インフレーション 減少（する） 支援する so much closer to the Bank of England 的 率, but it may also bring some 失望 for those looking for 調印するs of an 切迫した 削減（する） to base 率.

'The 人物／姿／数字s are at the higher end of 予測（する）s and could see 期待s for base 率 to 持つ／拘留する at a higher level for longer yet.

'Mortgage 率s have 緩和するd 支援する a touch in 最近の weeks, but today's 人物／姿／数字s may 井戸／弁護士席 持つ／拘留する 支援する the chance for that to become a stronger 傾向.'

示す Harris, 長，指導者 (n)役員／(a)執行力のある of mortgage 仲買人 SPF 私的な （弁護士の）依頼人s 追加するs: 'It's a shame when what is essentially 肯定的な news is seen as disappointing.

'There is a sense that some 買い手s and 販売人s are waiting for that first 率 削減 before taking 活動／戦闘.'

So will mortgage 率s rise?

最終的に, 直す／買収する，八百長をするd 率 mortgage pricing hinges いっそう少なく on what happens with base 率 next month and much more on where markets are 予測（する）ing it will over the long run.

ーに関して／ーの点でs of mortgage pricing, market 利益／興味 率 期待s are 反映するd in 交換（する） 率s.?

These 交換（する） 率s are 影響（力）d by long-称する，呼ぶ／期間／用語 market 発射／推定s for the Bank of England base 率, 同様に as the wider economy, 内部の bank 的s and competitor pricing.

Sonia 交換（する）s are used by 貸す人s to price mortgages. As of 21 May, two-year 交換（する）s were at 4.49 per cent and five-year 交換（する）s were at 3.96 per cent.

Unless these 交換（する） 率s 落ちる we are ありそうもない to see any meaningful changes to mortgage 率s.??

Mortgage 専門家: 示す Harris says there is a sense some 買い手s and 販売人s are waiting for that first 率 削減 before taking 活動／戦闘

First, because from a historical 視野, it is very rare for the lowest 定価つきの 直す／買収する，八百長をするd mortgage 率s to go below 交換（する） 率s, albeit it did happen in January for a very short period of time.

And second, 事前の to the quickfire base 率 rises between December 2021 and August 2023, the lowest mortgage 率s have 傾向d above base 率. That was the 事例／患者 at least between 2008 and 2022.

This 示唆するs that even if the base 率 結局 settles at between 3 per and 4 per cent, we should 推定する／予想する mortgage 率s to be higher than base 率 when things settle 負かす／撃墜する once again.

The 見解（をとる） の中で mortgage 仲買人s is that 率s are ありそうもない to change much - at least for now.

'A big 落ちる in インフレーション was already 推定する／予想するd and therefore already 定価つきの into 直す／買収する，八百長をするd 率s,' says Hollingworth.

'Mortgage borrowers may have to wait a little longer for base 率 to 落ちる and the 最近の ups and 負かす／撃墜するs in mortgage 率s should を強調する the 現在進行中の 不確定.?

'持つ／拘留するing off in the hope of 率 s dropping could make for a bumpy ride for homeowners.'

示す Harris 追加するs: 'Some 勢い has 現れるd over the past couple of weeks with a number of big 貸す人s 減ずるing their 直す／買収する，八百長をするd-率 mortgages on the 支援する of the 拒絶する／低下する in 交換（する） 率s.

'Five-year 交換（する） 率s rose this morning to 4.11 per cent from 4.01 per cent yesterday 大部分は because the markets have 押し進めるd 支援する 期待s of a 率 削減（する） so we will see whether this 傾向 continues in the short 称する，呼ぶ／期間／用語 and what 衝撃 that has on mortgage 率s.'