Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

The benchmark interest rate in Poland was last recorded at 5 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

The benchmark interest rate in Venezuela was last recorded at 59.23 percent. This dataset provides the latest reported value for - Venezuela Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Mortgage Rate in the United Kingdom increased to 6.99 percent in July from 6.98 percent in June of 2025. This dataset provides - United Kingdom BBA Mortgage Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Iceland was last recorded at 7.50 percent. This dataset provides - Iceland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

China Lending Rate: Weighted Average: Individual Housing Loan data was reported at 3.090 % pa in Dec 2024. This records a decrease from the previous number of 3.310 % pa for Sep 2024. China Lending Rate: Weighted Average: Individual Housing Loan data is updated quarterly, averaging 5.395 % pa from Mar 2009 (Median) to Dec 2024, with 64 observations. The data reached an all-time high of 7.620 % pa in Dec 2011 and a record low of 3.090 % pa in Dec 2024. China Lending Rate: Weighted Average: Individual Housing Loan data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate.

Key information about India Long Term Interest Rate

• India Government Securities Yield: 10 Years was reported at 6.71 % pa in Jan 2025, compared with 6.78 % pa in the previous month.
• India Long Term Interest Rate data is updated monthly, available from May 1996 to Jan 2025.
• The data reached an all-time high of 13.96 % pa in May 1996 and a record low of 5.11 % pa in Oct 2003.
• Long Term Interest Rate is reported by reported by Reserve Bank of India.

• In the latest reports, India Short Term Interest Rate: Month End: India: MIBOR: 3 Months was reported at 7.19 % pa in Jun 2023.
• The cash rate (Policy Rate: Month End: Repo Rate) was set at 6.50 % pa in Jan 2025.
• India Exchange Rate against USD averaged 82.23 (USD/INR) in Jun 2023.

Abstract copyright UK Data Service and data collection copyright owner.The Opinions and Lifestyle Survey (formerly known as the ONS Opinions Survey or Omnibus) is an omnibus survey that began in 1990, collecting data on a range of subjects commissioned by both the ONS internally and external clients (limited to other government departments, charities, non-profit organisations and academia).Data are collected from one individual aged 16 or over, selected from each sampled private household. Personal data include data on the individual, their family, address, household, income and education, plus responses and opinions on a variety of subjects within commissioned modules. The questionnaire collects timely data for research and policy analysis evaluation on the social impacts of recent topics of national importance, such as the coronavirus (COVID-19) pandemic and the cost of living, on individuals and households in Great Britain. From April 2018 to November 2019, the design of the OPN changed from face-to-face to a mixed-mode design (online first with telephone interviewing where necessary). Mixed-mode collection allows respondents to complete the survey more flexibly and provides a more cost-effective service for customers. In March 2020, the OPN was adapted to become a weekly survey used to collect data on the social impacts of the coronavirus (COVID-19) pandemic on the lives of people of Great Britain. These data are held in the Secure Access study, SN 8635, ONS Opinions and Lifestyle Survey, Covid-19 Module, 2020-2022: Secure Access. From August 2021, as coronavirus (COVID-19) restrictions were lifting across Great Britain, the OPN moved to fortnightly data collection, sampling around 5,000 households in each survey wave to ensure the survey remains sustainable. The OPN has since expanded to include questions on other topics of national importance, such as health and the cost of living. For more information about the survey and its methodology, see the ONS OPN Quality and Methodology Information webpage.Secure Access Opinions and Lifestyle Survey dataOther Secure Access OPN data cover modules run at various points from 1997-2019, on Census religion (SN 8078), cervical cancer screening (SN 8080), contact after separation (SN 8089), contraception (SN 8095), disability (SNs 8680 and 8096), general lifestyle (SN 8092), illness and activity (SN 8094), and non-resident parental contact (SN 8093). See Opinions and Lifestyle Survey: Secure Access for details. Main Topics:Each month's questionnaire consists of two elements: core questions, covering demographic information, are asked each month together with non-core questions that vary from month to month. The non-core questions for this month were: SunSmart (Module 327): this module was asked on behalf of Cancer Research UK to find out whether respondents had heard of SunSmart 2002 and what the main messages of the campaign were. This module has been run since February 2003 to monitor awareness levels pre and post-campaign. Financial capability (Module 336): the purpose of this module was to gain a general view of how respondents who have a mortgage or rent their property would cope with a change to their circumstances, such as an increase to their mortgage or rent payment or a rise in interest rates. It also asks all respondents about type and amount of debt and how the individual or family who have a mortgage or rent their property would cope with 'shock' changes to income. Disability monitoring (Module 363): the Special Licence version of this module is held under SN 6470. Use of HRT (Module 368): the National Health Service is interested in women's use of cancer screening services, in particular breast cancer screening and cervical cancer screening. The module also asks about the use of hormone replacement therapy (HRT). Road accidents (Module MAU): this module was asked on behalf of the Department for Transport which is interested in finding out about road accidents that people have been involved in. Travel horizons (Module MAV): this module was asked on behalf of the Department for Transport which is interested in groups of people who are less likely than others to travel and how this relates to work patterns and finding work. Multi-stage stratified random sample Face-to-face interview 2006 ADULTS AGE BREAST SCREENING BUSES BUSINESS OWNERSHIP BUSINESSES CARS CERVICAL SMEARS CHILDREN COHABITATION COMMUNITIES COMMUTING CONTRACEPTIVE DEVICES CREDIT CARD USE CYCLISTS DEBTS DISABILITIES ECONOMIC ACTIVITY EDUCATIONAL BACKGROUND EDUCATIONAL CERTIFI... EDUCATIONAL STATUS EMPLOYEES EMPLOYERS EMPLOYMENT EMPLOYMENT HISTORY EMPLOYMENT PROGRAMMES ETHNIC GROUPS EXPOSURE TO THE SUN FAMILY MEMBERS FINANCIAL COMMITMENTS FULL TIME EMPLOYMENT FURNISHED ACCOMMODA... GENDER General health and ... HEADS OF HOUSEHOLD HOME OWNERSHIP HOME SELLING HORMONE REPLACEMENT... HOUSE PRICES HOUSEHOLDS HOUSING TENURE HYSTERECTOMY ILL HEALTH INCOME INDUSTRIES INJURIES INSOLVENCIES INSURANCE CLAIMS INTEREST RATES Income JOB DESCRIPTION JOB HUNTING LANDLORDS LOANS LOCAL COMMUNITY FAC... MARITAL STATUS MEDICAL CARE MENOPAUSE MORTGAGE ARREARS MORTGAGES MOTORCYCLES Media NATIONAL IDENTITY OCCUPATIONS PARENTS PART TIME EMPLOYMENT PEDESTRIANS PERSONAL DEBT REPAY... POLICE SERVICES PUBLIC HEALTH RISKS PUBLIC INFORMATION PUBLIC TRANSPORT RENTED ACCOMMODATION RENTS ROAD ACCIDENTS ROAD USERS ROAD VEHICLES SAVINGS SHARED HOME OWNERSHIP SKIN CANCER SKIN TYPES SOCIAL HOUSING STATUS IN EMPLOYMENT STUDENT LOANS STUDENTS SUN PROTECTION SUNBATHING SUNBURN SUNTANNING SUPERVISORY STATUS Social behaviour an... Specific diseases TELEVISION TIED HOUSING TRAINS TRANSPORT TRAVEL TRAVELLING TIME Transport and travel UNDERGROUND RAILWAYS UNEMPLOYED UNFURNISHED ACCOMMO... UNWAGED WORKERS Wounds and injuries disorders and medic... property and invest...

Abstract copyright UK Data Service and data collection copyright owner.The Survey of English Housing (SEH) was a continuous annual survey series, which began in 1993. The survey provided key housing data on tenure, owner occupation and the social rented sector, and regular information about the private rented sector. The survey was originally sponsored by the Department of the Environment, which became the Department of the Environment, Transport and the Regions in time for the 1996-1997 survey, then the Department for Transport, Local Government and the Regions, by 2000-2001. Responsibility for the SEH was transferred to the Office of the Deputy Prime Minister after the fieldwork for the 2002-2003 survey commenced, and on 5 May 2006 the series became part of the remit of the newly-established Department for Communities and Local Government (DCLG). The main aims of the SEH were to provide regular information about the main features of people's housing and their views about their circumstances, and information about the private rented sector (not covered by routine administrative statistics like the owner-occupied and social rented sectors). From 2008, the SEH merged with the English House Condition Survey (EHCS) to form the new English Housing Survey (EHS). The last SEH dataset is the 2007-2008 study. The EHS data are available at the UK Data Archive under GN 33422. Further information about the SEH and the EHS may be found on the DCLG web site Survey of English Housing and English Housing Survey web pages. Main Topics: The SEH comprises a main core of factual questions that remain largely unchanged from year to year, and cover tenure, housing costs and difficulties with mortgage/rent payments, housing history, moving intentions, and the type of home desired. The survey also carries a set of attitudinal questions which are revised/rotated each year. Nearly all of the questions asked in the 1993/94 survey were repeated in the 1994-1995 survey. Some extra questions were asked about respondents' attitudes to various aspects of their housing. Household Interview: All Households: classification section, demographic data; second homes; housing tenure; details of accommodation; sharing (if any); moves and housing history, reasons for moving; repossessions; age at which HOH left parents' home; satisfaction with present accommodation; relatives in area; public sector housing waiting lists; letting/sub-letting. Owner Occupiers: details of mortgages; cost of housing; difficulties with mortgage payments; repairs; sale of previous property; trading up and trading down. Public Sector Tenants: rents and rent arrears; receipt of housing benefit; expectations of buying; satisfaction with accommodation and landlord; satisfaction with landlord; interest in part-ownership; All Households: employment and income. Private Renters Module All Tenancy Groups: type of tenancy agreement, security of tenure; rents, changes in rent, what is included in rent; rent arrears, difficulties in paying rent; repairs and getting them done; relations with landlord; satisfaction with landlord; interest in part-ownership; satisfaction with accommodation; housing history in last 10 years; buying/moving expectations and future expectations; employment details (if head of tenancy group is not HOH), income. Multi-stage stratified random sample Face-to-face interview 1994 1995 ABSENTEEISM ACCESS TO FACILITIES ADMINISTRATIVE AREAS AGE APARTMENTS APPLICATION FOR EMP... APPOINTMENT TO JOB ATTITUDES BATHROOMS BEDROOMS BUILDING MAINTENANCE CARE OF DEPENDANTS CENTRAL HEATING CHILDREN COMMERCIAL BUILDINGS COMMUNITIES COMMUNITY BEHAVIOUR COSTS COUNCIL TAX CRIME AND SECURITY CRIMINAL DAMAGE DEBTS DECISION MAKING DISABLED FACILITIES DISABLED PERSONS DISTANCE MEASUREMENT DOGS DOMESTIC RESPONSIBI... ECONOMIC ACTIVITY ECONOMIC VALUE EDUCATIONAL GRANTS EMPLOYEES EMPLOYMENT EMPLOYMENT HISTORY EMPLOYMENT PROGRAMMES ETHNIC GROUPS EXPECTATION EXPENDITURE EXPOSURE TO NOISE FAMILY MEMBERS FINANCIAL INSTITUTIONS FINANCIAL RESOURCES FINANCIAL SUPPORT FULL TIME EMPLOYMENT FURNISHED ACCOMMODA... GENDER GENERAL PRACTITIONERS HEADS OF HOUSEHOLD HEATING SYSTEMS HOLIDAYS HOME BUYING HOME OWNERSHIP HOME SELLING HOME SHARING HOMELESSNESS HOSPITAL SERVICES HOUSEHOLD HEAD S OC... HOUSEHOLD HEAD S OC... HOUSEHOLDS HOUSES HOUSING HOUSING AGE HOUSING CONDITIONS HOUSING FACILITIES HOUSING FINANCE HOUSING TENURE HUMAN SETTLEMENT Housing INCOME INCOME TAX INDUSTRIES INFLATION INTEREST FINANCE INTERPERSONAL RELAT... INVESTMENT INVESTMENT RETURN Income JOB DESCRIPTION JOB HUNTING KITCHENS LANDLORDS LARGE SHOPS LAVATORIES LEAVE LEAVING HOME YOUTH LIVING CONDITIONS LODGERS MANAGERS MARITAL HISTORY MARITAL STATUS MEALS MOBILE HOMES MORTGAGES NEIGHBOURS OCCUPATIONAL PENSIONS OCCUPATIONAL STATUS OCCUPATIONS PART TIME EMPLOYMENT PENSION CONTRIBUTIONS POST OFFICES PRICES PRIVATE PERSONAL PE... PRIVATE SECTOR PUBLIC SECTOR PUBLIC TRANSPORT RACE RELATIONS RATES REBATES RECREATIONAL FACILI... REDUNDANCY PAY REFUSE RENTED ACCOMMODATION RENTS RESIDENTIAL MOBILITY RESPONSIBILITY RETIREMENT ROOM SHARING ROOMS SATISFACTION SAVINGS SECOND HOMES SELF EMPLOYED SEWAGE DISPOSAL AND... SHARED HOME OWNERSHIP SHELTERED HOUSING SHOPS SICK PERSONS SOCIAL HOUSING SOCIAL SECURITY BEN... SOCIAL SECURITY CON... SPOUSES STATE RETIREMENT PE... STREET LIGHTING STRUCTURAL ELEMENTS... STUDENTS SUBSIDIARY EMPLOYMENT SUPERVISORS TAX RELIEF TENANCY AGREEMENTS TENANTS HOME PURCHA... THERMAL INSULATION TIED HOUSING UNEARNED INCOME UNEMPLOYMENT BENEFITS UNFURNISHED ACCOMMO... VACANT HOUSING WAGES WASTE COLLECTION property and invest...

The benchmark interest rate in Pakistan was last recorded at 11 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Philippines was last recorded at 5 percent. This dataset provides the latest reported value for - Philippines Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The benchmark interest rate in India was last recorded at 5.50 percent. This dataset provides - India Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Malaysia was last recorded at 2.75 percent. This dataset provides - Malaysia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in South Africa was last recorded at 7 percent. This dataset provides - South Africa Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.