由于英格兰银行削减利率,汇丰银行在2026年初降低了按揭利率,由于再融资需求居高不下,数百万人受益。 HSBC lowered mortgage rates in early 2026 due to a Bank of England rate cut, benefiting millions as refinancing demand remains high.

汇丰银行在2026年初削减了按揭利率,标志着当年首次大幅削减了按揭利率,降低了现有客户和各类贷款新借款人的固定利率。 HSBC has cut mortgage rates in early 2026, marking the first major reductions of the year, with lower fixed rates for existing customers and new borrowers across various loan types. 在英格兰银行将基本利率削减到3.75%的推动下,这些移动旨在提高竞争力,并在低利率交易到期后使大约180万房主重新融资受益。 The moves, driven by the Bank of England’s base rate cut to 3.75%, aim to boost competitiveness and benefit around 1.8 million homeowners refinancing as low-rate deals expire. 虽然与2022年前的水平相比,利率仍然较高,但专家预测进一步下降,到春季可能低于3.5%,尽管长期利率预期会限制急剧下降。 While rates remain elevated compared to pre-2022 levels, experts predict further declines, possibly below 3.5% by spring, though long-term rate expectations will limit sharp drops. 与此同时,2025年11月,按揭批准额略有下降,但需求仍然强劲,并得到了可负担性提高和监管变革的支持,从而扩大了首次购买者获得贷款的机会。 Meanwhile, mortgage approvals dipped slightly in November 2025, but demand remains strong, supported by improved affordability and regulatory changes that expanded access for first-time buyers.