Will UK mortgage rates fall in 2026?

The Bank of England held Bank Rate at 3.75% on 30 April 2026, with the next decision on 18 June. Markets had been pricing further cuts; the Strait of Hormuz disruption has pushed those expectations back. Lender fixed rates are priced off SONIA OIS swap rates, not the headline Bank Rate, and the Moneyfacts average 2-year BTL fix rose from 4.66% to 5.44% between March and April 2026.

Is UK property still a good investment with inflation at 3.3%?

Residential property historically reprices rent with inflation while leaving fixed-rate debt nominal-priced — a structural inflation hedge most other asset classes don't offer at the same scale. The MSCI UK Quarterly Property Index reported 7.6% total return for UK direct property in 2024, comfortably above CPI.

Where in the UK are yields highest in 2026?

Paragon Bank's most recent landlord data puts the North West at 7.84% average gross BTL yield — the highest of any English region. Greater Manchester is the demand engine inside that region, with £100bn GVA and a population approaching 3 million by mid-2026.

Should I fix my BTL mortgage for 2 or 5 years right now?

A 5-year fix removes refinance risk through the next likely shock cycle, at the cost of paying ~30 basis points more today. If your portfolio cashflow can absorb the higher rate, the 5-year buys you certainty. If you're betting on cuts, the 2-year is cheaper; if cuts don't come, you're back at the swap-curve roulette wheel in 2028. Personal call between you and a regulated broker.

Why is SJB Property Group still raising capital with this much volatility?

Because deals priced to today's swap curve, in the right patch, with the right structure, still clear our underwriting bar with a margin. We have a 100% repayment record across four investors and are currently underwriting to 5.75%-equivalent debt service on every model. We offer fixed-return JV contracts (8–12.5% per annum, secured against the property, contractually fixed) and equity-split structures.