Full List of Banks Not Hiking Mortgage Rates After the Bank of England’s Interest Rate Rise
When the Bank of England hiked its interest rate again, I braced myself for the usual ripple effect—especially when it comes to mortgage rates. Like many homeowners and hopeful buyers, I’ve grown used to seeing my options shrink the moment the base rate climbs. But this time, something unexpected happened: some banks decided not to follow suit.
Yes, you read that right. While many lenders adjusted their rates upward (no surprise there), a few have chosen to hold firm—for now. And I want to share that list with you because, in times like these, staying informed can literally save us thousands.
Here’s a quick look at the standout banks that have not increased their mortgage rates following the latest interest rate hike:
- Nationwide Building Society – I’ve been keeping an eye on them, and they’ve made it clear they’re focused on supporting existing borrowers.
- Yorkshire Building Society – Despite the pressure, they’re holding their rates steady for the moment.
- TSB – While not always first on people’s radar, I noticed TSB has resisted immediate changes, which could benefit new applicants.
- Co-operative Bank – Staying true to their member-first approach, they’ve delayed rate adjustments.
- Atom Bank – As a digital-only bank, I’ve found they move a bit differently—and right now, that means no hike.
It’s rare these days to see a pause in rate increases, but these institutions seem to be taking a more flexible approach. I know how overwhelming this landscape can feel, so I hope this list gives you a small dose of clarity—and maybe even a bit of hope—as we navigate these turbulent financial waters together.
