The Bank of England held the Bank Rate at 3.75% on Thursday 17 September. That is the sixth hold of 2026, and the rate has now sat at 3.75% since December last year. At Drummonds Finance Group, we have spent this week fielding calls from clients whose fixed rates end over the winter, and the question is always the same one: do I move now or wait and see? This is what the decision actually changes, and what it does not. The headline is dull. What sits underneath it is not. The
