Council Rates Can’t Be Fixed, But Your Mortgage Can

That Home Loan Hub · Nov 7, 2025 · 8m · transcript

A 50 basis point cut just landed, floating rates slid, and yet those four and five-year fixes barely blinked. We unpack the why behind that mismatch, translating market dynamics into clear choices for homeowners who need more than headlines to make the next fix decision.

We walk through how banks price long-term rates off wholesale markets and inflation expectations—often “pre-pricing” central bank moves—so the long end can bottom before retail rates catch up. From there, we weigh certainty versus opportunism: whether to lock just over 5 percent for stability, ride a short-term dip toward…