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What money costs in the UK right now, and whether lending is moving. Five figures published by the Bank of England and the Office for National Statistics, read here every morning. They set the ground your quote sits on, not the quote itself. Nothing here is a forecast and nothing here is advice.
Last read 30 September 2026, 07:00None of this sets your rate directly. It reaches a quote through whoever is funding the loan: a bank lending from deposits, a specialist lender borrowing from the markets to lend on, or a private lender weighing it against what the money would earn sitting still. Which applies depends on the case, and none of them moves in step with the figures above.
Every figure here is read from the publisher, not retyped. The Bank of England and the ONS give each of these a series identifier: IUDSOIA for SONIA, D7G7 for inflation. Those identifiers are printed beside each figure so anyone can take one to the publisher's own database and check our number against theirs. Nothing is adjusted, interpreted or forecast. Where a source has not published since our last read, the figure says when the next one is due rather than being hidden. Bank of England and Office for National Statistics data under the Open Government Licence v3.0.
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