August 2025 Bank of England Cut Rates to 4%
On Thursday, 7 August 2025, the Bank of England lowered the Bank Rate by 0.25 percentage points to 4%, its lowest level since March 2023 and the fifth reduction in the past year - a move that could have a major impact on mortgages, investments, and the wider property market.
WHAT THIS MEANS FOR YOU
Reduced repayments for homeowners
Tracker mortgage holders should see monthly payments cut by approximately £29 per £100,000 borrowed.
Falling mortgage rates across the board
Average lenders are responding, with new two- and five-year fixed deals now trending below 5%, and some sub-3.8% offers available to well-qualified buyers.
Boost to housing affordability and investment incentives
Improved borrowing conditions could spur renewed activity in the property market—especially appealing for investors eyeing capital growth.
Source: The Guardian - 7.8.25 Article by Rupert Jones
WHY NOW MATTERS?
📉Lower Borrower Costs
Secure cheaper financing to maximise returns.
🏙️Portfolio Growth
Use competitive rates to expand or enter high-growth markets.
📈First-mover Advantage
Act before prices adjust and demand surges.
Featured Development:
WESTMINSTER POINT
Bevington Bush, Liverpool
Westminster Point offers 200 luxury studios, 1- and 2-bedroom apartments in Liverpool, approved for short-term lets with projected 10–12% NET returns—an ideal choice for savvy investors. The payment plan is simple: 10% now, with the balance due upon completion
Completion: Q2 2027
At Legacy Investment Consultancy, we can help you seize the moment, identify the best opportunities, and move before the market adjusts and conditions tighten.