Why are mortgage rates changing when the Bank of England hasn't moved interest rates? I highly recommend checking the latest on swap rate movement on https://propertyresearch.uk/insights/swap-rates Here, you will find all that you need to know tracking the relationship between Bank of England base rate and swap rates. Be sure to check out propertyresearch.uk Information here is accurate as at 15 July 2026 and will change without notice. One question I get asked all the time