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Bank of England maintains Bank Rate at 3.75% amid inflation concerns

The Bank of England's Monetary Policy Committee has voted to keep the Bank Rate at 3.75%, despite rising inflation and increased energy prices.

  • The Monetary Policy Committee voted 6-3 to maintain Bank Rate at 3.75%.
  • UK CPI inflation rose to 3.1% in August and is expected to increase further.
  • The MPC also voted unanimously to reduce the stock of UK government bond purchases to zero over a multi-year plan.

The Bank of England's Monetary Policy Committee (MPC) has decided to maintain the Bank Rate at 3.75% following its meeting ending on 16 September 2026. Six members voted to keep the rate unchanged, while three members voted for a 0.25 percentage point increase to 4%.

The decision comes as UK CPI inflation increased to 3.1% in August and is projected to rise further in the coming quarters. The MPC noted that protracted conflict in the Middle East has contributed to further increases in crude and refined energy prices, which remain volatile and higher than pre-conflict levels.

The Committee judged that risks to the inflation outlook are tilted to the upside, more so than at the time of the July Monetary Policy Report. However, there has been little evidence of material second-round effects in price and wage-setting so far.

Separately, the MPC also voted unanimously to reduce the stock of UK government bond purchases held for monetary policy purposes to zero. This will be implemented through a multi-year plan, unwinding the remaining stock at an annual average pace of £46 billion by the end of 2034, via annual sales of £20 billion alongside maturing gilts.

Why this matters: The decision reflects the Bank of England's assessment of current economic conditions, including rising inflation and energy prices, and its strategy to bring inflation down to the 2% target.

What this means for you: Higher interest rates faced by households and businesses since the conflict began are expected to reduce inflation over time. The quoted rate on two-year fixed-rate mortgages is around 95 basis points higher than prior to the conflict.

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