How low will interest rates go... and will they stall earlier than we think?

This is Money Podcast

This is Money

Business, Investing, News, Business News

4.4 • 732 Ratings

🗓️ 19 December 2025

⏱️ 50 minutes

🔗️ Recording | iTunes | RSS

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Summary

The Bank of England has cut interest rates for the fourth time this year.
The base rate is now the lowest it's been since 2023 but a split vote means markets and economists are now question how much lower they will go.
On this podcast, Georgie Frost, Lee Boyce and Simon Lambert discuss what a 3.75 per cent base rate means for borrowers, savers and investors... and more importantly where rates are going next.
Plus, the social media savings tricks that Gen Z love - and what the rest of us can learn from them.
Where has the highest household income and why how it is balanced matters.
How to not get caught out by a counterfeit Christmas.
And finally, another thorny question about a fence... but what's the answer?
Merry Christmas from all of us at the This is Money Podcast.

Email us hello@dmgmedia.co.uk

Text us 020 7938 6000.

Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen Crane

Producer: Georgie Frost

Hosted on Acast. See acast.com/privacy for more information.

Transcript

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0:00.0	Welcome to This Is Money podcast sponsored by Charles Stanley Direct. I'm Georgie Frost and joining me and Simon Lambert. Today is Lee Boyce. And coming up, interest rates are cut in time for Christmas. But what does it mean for your money and where will they head next? Also today we take a look at the social media money trends. The youngens are keen to
0:21.0	try next year. Plus tell you how to find out if you are richer than your neighbours and will
0:26.4	teach you how to spot counterfeit goods. We also have more neighbourly fence-related disputes. Oh,
0:32.3	how we love them. Don't forget you stout today with all the latest breaking money news. Just go
0:36.3	to this ismoney.co. UK or download the app.
0:40.0	But first, a message from our sponsors.
0:42.3	With Christmas almost upon us, give yourself the gift of financial clarity with support
0:46.6	from Charles Stanley directs financial coaching.
0:49.2	Led by This Is Money regular Lisa Kaplan, financial coaching gives you access to a real expert
0:53.9	who can help you make sense
0:55.2	of your financial plans. Book your free 15-minute call today at Charles-Dash-Danley.com.com.
1:00.6	uk forward slash financial coaching. Go on, get answers you can trust. Remember, investment
1:06.1	involves risk. Now back to the show. Good news for mortgage holders, bad for savers. The Bank of England
1:12.7	cut interest rates this week from 4% to 3.75%. It was widely predicted, but what is less certain
1:19.9	is the speed of travel next. So Lee, Simon, welcome Lee. It was a bit of a tight one,
1:27.0	wasn't it? What happened? Yeah, It was a bit of a tight one, wasn't it?
1:28.4	What happened?
1:32.4	Yeah, it was a five to four vote for the MPC.
1:35.8	So I think what we always do is when we see the figure come through and we see that there's been a cut or if there's been a hold, it's having a look at how the nine members of the
1:41.0	MPC voted.
1:42.3	And a five, four suggests that four voting for a hold at 4% was
1:46.7	tighter than expected I would argue and it felt like a shoe in a week was basically we had a
	...

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