在全球紧张和经济不确定的情况下,英国银行停止了次级-4%的固定利率抵押贷款,将利率推到5%以上。 UK banks halt sub-4% fixed-rate mortgages, pushing rates above 5% amid global tensions and economic uncertainty.

英国主要银行,包括巴克莱、汇丰银行、纳特韦斯特银行、桑坦德银行和全国大银行停止提供4%以下的固定利率抵押贷款,由于全球金融压力不断上升,特别是中东动乱导致互换利率上升,导致两年和五年平均利率超过5%。 Major UK banks including Barclays, HSBC, NatWest, Santander, and Nationwide have stopped offering fixed-rate mortgages below 4%, pushing average two- and five-year rates above 5% due to rising global financial pressures, particularly from Middle East unrest driving up swap rates. 尽管英格兰银行在2025年12月将基本利率削减到3.75%,但是在经济不稳定的情况下不大可能进一步削减。 Despite a Bank of England base rate cut to 3.75% in December 2025, further reductions are unlikely amid economic uncertainty. 平均标准可变率略有下降,降至7.13%,但借款人还款率仍然较高。 The average standard variable rate has slightly fallen to 7.13%, but borrowers still face higher repayments. 专家建议确保固定利率,在250 000英镑的抵押贷款中每月节省约300英镑,敦促在紧缩贷款条件的情况下谨慎行事,提供专业咨询意见。 Experts advise securing a fixed rate to save around £300 monthly on a £250,000 mortgage, urging caution and professional advice amid tightening lending conditions.