📈 How latest interest rates hike will impact borrowers and savers and when rates will start falling

The Bank of England’s decision to nudge up borrowing costs to the highest level since March 2008 will have come as little surprise to anyone but with the fight to control inflation seemingly nearing its end, cash-squeezed consumers and businesses have become eager to know when interest rates will head back down. 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[Interest rates: How the latest hike will impact borrowers and savers and when rates will start falling](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4RsyfR5nR32W6N1X8z6lZ3plW8NWDpL5RCQVmW3XD2-z55lNbHW5nz2KT1Rm6hJW8PjCWR38rRsfW50k20D4FDggMW2CKcSf4DXsNxW4p3knC5L_18nW1q1MMs59zMJKV-tWgP8kgv68W65hYRZ605ZG-W8_nb9J8hQRF0N6ZFmNBMxTHcW1y0RMX5pKg-4W3gxG_d3DK4VTW4dMZ0196m9cNW3fyJ4931rRVsVcGpcT5fYTY2W6_1Fn_8CwqBlW8gz-1415hc3zW3Z61VL7KX-c6W2ktXvb3Z6bN6W7YQDrS5k239PW7ThWfr28ZdjtW1bRmVr2CZv_LW8rGzJV5CG-0mW1QTjx_2Tk7zNW2bfDM82y3xpfW34mHx_8R8DmLW4jhgV792jnMxW4MCX6-36-LYjVc0b522dmKnrW3ZwvwR64CcxTW6tj_Kz98r8fgW7HLRLm5M5SLFW91x4pz2c1yH6VXpM-x38JmhWF6yhfzqKyJ8W4dq4W16j1Jflf2V069l04) [Sunak's embrace of US Republican voter suppression tactics and culture wars is a threat to democracy – Henry McLeish](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3nqW5m5PtQ2NXW_dW3nBwWt4wGlp6W6vN3rJ3k9bgQW5tLTxQ6ZG1Q1W7KpXhj1JdtkcW8qHx9N3p5kWcW5YXPLS1lM1CtW6zqXkB2KGkhGW7Z4S8032lRvZVwtm4V2rnvBDW2wl5yd3SyskDDTlHLpL_zyW4rM_Dj514L9jW3LK2zG2p05cdW1cPqDD1nGpgcW8WbKsv5XdzR6W5GJD1d1RLHwlW5Cx52S67p8MvW1zg36J34_bVwN5H4p2KfChl2W5XKTkh3Pnxp0W8QWHHD9cKw4yW4j101Y1-dnS1W4KdK48328PMNN8QcNxHsbhTMW595byM4lVDkjW4TgGWh3hQZFTW5_6bDy1Jh4z8W6JpKQ226x-nfW8Q6-b559jbbrW5f9zxn8lhZDGW2nBmpL3JTbtcN13tVpGpD2-VW7B0FlR8yFGC9N3kNwV5Rh7NXW93QCPH1KkstGW47T0Jj7-y9MJW3gq52Z2M-5NXVGjbtX7zdjs9W3nvfm72DpXDsW2F6vdw5QZ7-_VXfRH61b7HbZf2dR98R04) [Sunak's embrace of US Republican voter suppression tactics and culture wars is a threat to democracy – Henry McLeish](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3lHW2x-PVS9k7fcjW4S_P_Y8Vf0ryW6nmDls5xl6BZW58Pp6D4F7jfvW6-J3qb1mPkmJW3cFC3n1TVZprW4hH7_t1scpzjW7CgftH60XVryW119Sgk6W3KmnW8BtCWq132yXtW4B102q6dN6QPW6XxTFx8GtzkDV8jpPz1VDKLDW1tJpyF2YbLlPW3WCM743g0zC0W7TtbDC6FzJVZW33DWDl4DX7-LW5bGmCY418LRWN4J2RQJz5K58W4XDq_q6w3Rq8W4YpXFV4YDK9PW73FXxQ5DnhPZW9k1TVn4FXZHQW6H8LSw45pkhZW2lr6T86wrc3qW5JxN1c44NB2RW7KSdzC2XMGPCW7gm8YY6G4Q57W6fvVDL1xKrC2W15LzbR5__w9-W6Kcn8l77GPzDW2-Yzgq8WJFfjW9gRxW73S_8HLW29CWFx58401kW8cG3Ts7spTmjW296Fkg6LPvY_W3HG6X75pT8RkW7zZHhr6B15yzW8bFRXw8vFMSSW1YVV9C3HC4xgW1L_zQD12kkJBW79hln08zC0xCf6H1PVq04) [Thatcher accepted Scotland's right to self-determination but 'muscular unionists' are now treating us like a colony](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsyh05nR32W95jVnq6lZ3l-W4YBZVQ7bQSWSW6wmFW_6dfNG9W3S8mXH7FSFFvW9hYtwF2Q8hLnW1dWb7V36l1bdW44CngV3-0qMLVb5VCn78c7HJW5-x-pb8NWHXLV2h3Wb5wTpl3W2T0_W24PDVmxW1dpLs66qn_JNW8qFsMn7Qbhg_W1QsDtr80CVckW8Vl7gs3ZtFlbN97k4bKTkxFyW6mG0rJ6F_9tBW1hSzNS8m8ptnW8LtpPf7rXHyRW2zhSVH1Dv6C0W2B93jv29c9vSW3Xh-948LRbrSW82pKcr7ydWkrW3Rqm4p8qKcjfW75j2f_30r5QJV38Nty67ChhlN6j8xYFHJRHpW220wYl7XBjqXMRrLmwgvWnJW3S5v8g6FzFssN7MfGLm36WYfW4bNQ7Y9lttQbW6_szln566rvMN5yJV5cNCKBXVk6Kmb3DmPWGW4Rv26X6g2lRhW2wY9qG3Qr67pW4Mb99k7r_r92Mf5Q8n8Hj1PW17V34721Lt45W3rjZVW21wXJnW85xdKN8z-HHsW1jwnKj4y0jnnN4jrZGdb9mWkW7VWm785bnbm9VmQXZB9gzj_SN8H43Z9YYjHXdCZjlR04) [Thatcher accepted Scotland's right to self-determination but 'muscular unionists' are now treating us like a colony](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsyh05nR32W95jVnq6lZ3lQW6z4CtR5PV9dpW1Q1szt84P0nwW91s6KL5mRFFnW7lJLkF3-cMxmW3b3fCy9l9J4lVkWmNx60jWr-W3pkwcK4BBt6rW3WHBfP5LXdzMW3ljRRR1W8XBlV2hlpb3fTyx3W1HClY72Cdn-0W3bZGD51r86LDW5wGJ7Y83F8pvW7VjdT-869d6MW50bZB37D5TR4W3XHgHV4Bv30wN7qmzP7PbKzCW4x7SK74X7zmWN329Bjmy-xVNW1L3J9r6Jz6GyW8vbGXS4423xNV21DMV2ngXL2W7BCQF05wkgx6W1ygjFy75h57JW3j7Syr6gKpQfW44v3sb52Xm2KW3ZX_wl4gXk-8W3xdkKc4wPqbhW8BzCPZ4b_yWXW5_72wP8G3yGhVx3swJ7d_r0rW4rppkC6QRCTyW1Rqrvj8QhH_vW1mKqJ11RYfkYW1DTRp33c3q4QW291CTx7Y8HsmW44hqxn27gBWvW8j6Jht4Yvw5bW3bM0Qq8J1LkjW3LQVP02XsTBTW36x88461qtFvVsPdMp8J5ftMW9k7XQY6VsqPLW85S28l1yfTmwW33wXR44XqDZ4W4WDhtv2zX31hf2p_G1q04) [Article Image](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4RsygK5nR32W8wM7ks6lZ3nQW8pp4Cg8CyvhZW80kX3c3grH4QW5ftF3Z3Hrn-GV6CtjH7QNMbRW8JYTWM4xTYlhN48FH4ST8TYhW1mJGlp1nk4L3W3lxLn-96_84TW3VwxfL2gH5KzW6dj3Pf7gjT7qMR4XWr6qSzyW4C43FH3jcwkGVXmNLP5hyFQBVpJCQh4-5h2CW8JBJkf4L0wsnVvT4Xy3SlKfTN6kZLWZm0LWyW61NJwg845Z-vW6Qt2v81qLb-tW1DHFBq52XF4ZW5pjLQq8-gnHQW844gSH5Q7HG0W3RsGP34Z41SwW5GffX85B8zv7W5KWyJs6xJBqfW3TD9cF81ZxXvW41nkw-8Mdt5qW1vZbT04GfYdjV3Ls-53Pt1cHN1R1Mb3pYcSfW91VYhD8lg6wGVQmpj66RL7ytW1sV4R48f0263W6VTDtd1xNB0-W1dy-072YgNppW2sGz403S2lkXW4spZ-N74vFnZW5mS2rd1gMM3_W26ctFK3jVrNrVT-gpT3nXWMqW6fsPQ02lkrzFW5qZX0M4PkSZpW7lBynV2W8MZlW78Nxck8JCB0_f8p3Mfb04) [Take a deep dive into the Scottish housing market in new Property Podcast](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4RsygK5nR32W8wM7ks6lZ3nvW2HKCwf6VMcYXW2tt0zf3hr5kQW4VCpq83ZncCQVXQP1c37MYg5N3gv2TPBFs7gVRFw304YQkXsMSxxLVF75NGVfNFwy5DQXCvW8NDlkk44mNShW7Bq9sD5690MzN1gYVR_lGvK1W5nh05H6jMWwwW2DKKKj34MGY0W5SJv9V5RmMhVVjcB101nGMQNW9bHHwx1qQ6pdW5HRRLn4mDpxPW4-_Tx34pfTvdW1Kd8gM9kC2PZW6kZYR07F7VPkW2fBvyd4s9nD1W7hZtJK2mN1YVW76pV_j5Y6TK9W7J64sr4QqcfMW1PDqJG3gP7tCW97BR8P6x3hlpW39gkhN75KX0SW6kb3ct7GGkMCW98TWbP49WP-HN8NvQhhqYhZHW3c2W2t5WrTKQW4FV0C38SgmyWN96ttMBHBjHcW33bXwM547HX6W9dX3hT2hlWYTW7rcGvN1SZ5QfW6pkRBX2ZPpFJW1rxMS32L2G9DW1bW91y2bcJgqW2Wc33k4NJlpdW8_49k15D1vXZW1NX1MB36PjTnW5Rx2017TT4ThW5t543m73_959f3c9HR004) The first edition of our new Scotsman Property podcast is now available, made in partnership with DJ Alexander. Promoted by DJ Alexander [Edinburgh Festival Fringe comedian Ian Smith shares the stress relief trials that led to new show, Crushing](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3mzW4t9Ckz3v1XKvW8lxzCq1cGQfBW20gX6-93h6M4W97Tqw81hv_9gV5lG6y8HlKJxW466Mnn3KGBLmW5g6TX63cdhMqN99PpqpPCRrGW7_297w81QnhJW49M7DV8-l86qW1m8p_s2PQ6ryW1mVrDr3PhWSZW6jxKwp5HqZk6W88fg913V5MFXW5836jd3BZ4B8V-wMG53bTd0vW3SD5Kf7Z6jY-W4PLJ5y1jWzk5W69PDcG3DL1rFW7x3dWQ4nDXw_W6jk47k8mxX6hW26q-Qj8YmPSxVlfKt6693wwQMhbYR1JlDJCW3lhJLQ5LjgcZN2QyRZcCmS7nW3n55fL5vxcg-W4Z4qTg5cHY3tVGLwKL8C0FqVN37zpWyJbtRvW9c4vfl1g-9FkW3dvvk431FBDdW8ctVdK249pk7W6r78C35TsGfHW7hHkYz6D7MvZN13b3ZJph2mrW3PmB0B7-F7nSVxnn9c5RHRXqVpXHjK2nG0sKVnHP6h4Qh5YMW6sY79h52wRBSW1nKftJ1hYYrQf3ZXxbd04) [Edinburgh Festival Fringe comedian Ian Smith shares the stress relief trials that led to new show, 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Fremont](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsyfx5nR32W69t95C6lZ3p1W4Z8pZy8CQ85MW13t2rZ6tst_-W56Z-R988NG1cW6Bj8Q71f1k3NW2s7xSv3dFWBMW17dlXt6P8K48W862tjl64YzVWW6d9-SK33qpqtW6PZxWp6NGf3wW8XHt3t2v0_JNW5GBtCb6RYdw_W70gvby2kgMb5N5JvC8thfVntW6sWXd53BGynGW5_9VKC2HSJcgMTYNJDcj4WrW1LDDbw4KwR1nW8vJlDc5QRWjDW1xF392753yytW8B2MDR5SBf0YW7PDM1W4ldj82W8Wm77d4FGSlHN1qx0Hr7WHwjW63pVHR2XyqgsW6pZGf44pRhsvW46mjg-3PxmlsW1LPKD02NT0TSW278Wg34xdbLVW4L1fRd7zt4wZW1LpKrZ8sY1p0W1wWz365ylC23N4cNLgC5SY18W2lb2Hx8gdP1XW4sDKfH3Crz0nN1grgLgZTQhtV825t18qXTpFf3YRFz404) [11 rainy day Edinburgh activities](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3m-W3LrVy2969CrkW1v62Fw955lGxW2-GRP36yYwKjW76K3959m5pT8W7cg5mP1_3r6ZW3gg35V17Byj0W7phtb42RN4TnW54YP0h1__zFDW8H7q802bR6PzW7XwQS94g-t1LW4nm_G61Z8FJKW2kvRZz5mhpFWN8CmfQLmwt_RW6GLC-y1zm_StW196TLV2rVmZrW9lC9rj52dWwhW7vy01K344Y3wW7C78M58PJXy4W17VrPX56dJ6cW2F0d0v7xvD6HW29nH0h48kTkpW5hs8XG1rKZrYW3Vz-Vp2CjhL2W2mxg008g1rXDW6Zj-Vx8w3KHvW3Jmz597_96CkW4Qyszn1x7fb_W1tSc3H5hKqh0VF68VV4_tzLcW3kwsmn344dYwN5TlNrSgCbY6W5wrTQs2Cx_PPW58Hk7w6jSJN7W5JwMd615t90vW24yrjL6Hq8syW3wg-km6f0sQrW7dJGsG5r6v2sW6Cq4s537SK0pW5tRr3M6BhSmHW5XlgHn6KCMXQW4ghGqv2Y9X-sW2fdSV75cNRTBf50xGfq04) [11 rainy day Edinburgh activities](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3msN85R5PDptyvGW83Y2Z_43TDc4V9xXyM1s8gF9W4kSzvZ1rCYkwW4Xc1455_LTW4W6rM18Y4p928ZW8rdrjp64K49sW7n5CyX8zn5mGW8NFXyq868v58W5PGFV78mpgYTW2MHhvR8MBX5cN3l302hVdvBYW1WkgVC6pfRCFW6v9Wgv56Hs_jW33c3r84ns114VT6lyQ708D16W8q2XbN9lWP-zN6trZ1Ck9D6_W2Grhcy3jw8bbN5QxTW0K6p08W1MhcpY2xcn-GW6kN5JF9h_DC8W32qvWq245tzPW3smtrg77bV35W4-645G8rHrG8W786Khj1VkPNVW1fFPvl40cRFDW3g81D55WFJTNW8jQc2S6L_F2VW72k9tX770VyhW5YQ-2Q2hR0_nW6Sjpqz4rPP56W2YhF4h8GCwj_W3NCmWW7_Bh_cN6kcGSjh3C9cW2DXFFQ6F_fFHW7W9y3m3hRd8WW944rCX3pXpQyW13yj8b3ZZ7DMW87123r7xyZ4HN5sDnyCg39mvW3RJ-QX6jbqw7dc5Y_F04) [Hibs' date with Andorran destiny: Lee Johnson's gesture explanation, fanbase rapport and 'love for club'](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3mlW1C3zVz41GNgcN88NZ1v9f75QW2BHzZX5ysBMQW35W5bZ5kFRVcW12Pg7g1XCnDlW6vJYwZ69DJp1N8M0WqV8tvpQW2jFcR06gPgnhW3wt3-959FYRfW1MRQRp5BKvc4V7B6464hNnSVW8TpPLJ7HN527N795y8NM_8RRW3XBbFy3wlRg3W53-P5X6jcHXhV6VYcK28qDKmW48Kw1L6Zytk2W66zjn32jWYGyW6hh-GR74YYzcW8Jlq8K9kT9D9W7Yl2kC7Lyl2jW4LWVjL6b3vrqW7rq02C7ZdQzYW50t71F7X9SKHW8M7XCp40G2FKVsBRb42GLvKJW551jdB5Qm8CzW6Cp7Pk57xqpcW4MVJGZ67R1GQVkSZJt63F8QwW993N2F1NMBwJN183tPC8HwS7W2RdzcN7Qf6K5W7QKS1l66RRxrW619gfs5BRCF5W617PwG4BzLJLW33Hz_j2q0GwKW8GZ9nH1YsdJLVnX2mx91z2DYMLp0z2P6dXyW5hMgxP7Yln9VVCvRQx7wVHMbf4psD0d04) [Hibs' date with Andorran destiny: Lee Johnson's gesture explanation, fanbase rapport and 'love for club'](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsygq5nR32W7Y9pgv6lZ3l1W4pTr2H5_dJ0mW5xzrn_8-Z0QYW4wZpWz5JhJ62W7Vhd-T8GshgwW9dcKcm1zN0YWW3hphNH3MT8f9W7bP3vd1dmzGlW8-gGK-5XK126VLS2z225dtFxW5rSvvn64d5YYW6wpw6W3bPlN_W7H6B2Z3XljDQW5r2cMl938-H7N5KQbTdxwt5MW44R7Jg77MvFYW4Vzc-W8cw19YN7zF8gBl5w16W8Pq-1y12RvrpMqPPlRMDXC_W2jN7pr968nm0W4JGqbp3xTtQmW2r81zq8zqYBRW70g67R4r84MqW3bz1CJ4D20dRW69CW937GM0RRW7_WK-X952_3KW5C4PY_5wj1QMVkKdL71S-Rd6W5H164w5LKRWGW16rnKD5SNg5xW8Mh1L14lmTj4W7Llglf7zP6NXW64GYd41vfWD4W1X-kz4962ttJW7HhNg22NcYVMW51XtJ621kZ9QN87ZRW-9Z7xCW5Q0kp-5Mj6C-N2w8Pd115hk0W3pDvGh31Q1y1W77L8nC8w_87pW6fqR4Q1cSSJRf3tw0kY04) [Stuart Hogg: When I was Scotland captain, I relied heavily on Finn Russell - he'll get team ticking](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4RsyfR5nR32W6N1X8z6lZ3kTW8x4XJ58sSSn7W3DMbVN6-5gS9W39bgW57sCQtDW15dV5S7kkR9yW5rLWht5D7gCfW4thjsQ4c7DQ8W7sLv-b8KXZMyW4WFyvW3yS_fdVD3Ck18lwp6TW4bZjNl7XSRs4W2cr0N05MjfbRW7cZ0Pt4Vj4NYW8ZYfDF4G-tv9W647PnS2XLPn8W2yRnMm1Z4n-SW6Jsjvs4PyfC3W6yM5qr81MXHHVV81Bs5N16VRVzBVCc9cqzjGW3x5kzp3MhmqRW3fp26k4FnzctW5yCCZ17yyvV1W1bFdqt1VDXMfW5lWxpN4mjYnnW4Y6Fts3-QNrwV2K3Yh5QvhkyW8j8FrY7LVb18W1ccHjt32jWJdW6B_-gg860DpCMGqKsnbtB-xW33L3SX6WNTTfMB5hvVrlMD2W4LkQtn6pwcmYW8CcZz95Cq5K_W2Njk5_6WJjxZVS0fDL7YJYkmW5JPDY66zLdtNW82nXn57Pk5Fff2ClZM-04) [Stuart Hogg: When I was Scotland captain, I relied heavily on Finn Russell - he'll get team ticking](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4RsyfR5nR32W6N1X8z6lZ3nqW2Vcpdz1sM_87Vx0pNW54Y4D4W3QSh1d845sG2W33_6-v3bnfT3VCBXCx95NwMjW6MLRqC1ZC58gW5WBZRc6nBjMpW2ytDCR4hK9l5N15xS1bmkypTW5-f0d64JHKLtW544tZV8vNb8LW3v6Jfh2vXG_tW7GZ-8q43k_mNW3VWNcw7jlg1rW8rYRtG1GHtZGW4mphXl8B8J0gW6DYFl939t75HW5Nt_kQ4wsv3cW6b3Bhq7C3xXPW7rr-xN8hCblXV-M4sz656tkkW7y67pF7FcMFfW6tctHK61l_krW7sngw45cct8BW4k9RmL50cd8nW5q9Cpc4RNHG-N8X-Gqyd3j0_N6p8_hnn9lrXVTKW7G2HrRTHW7WTl377kS8zmVfxp116slYFqW7YG2wn4wWwvNW2blzZy4Yj3h9W76ykRp3-qYFnW7_jbdc7x3KHbW4Z9gM73q7sMRW1RkHFQ2J0q82N3-kMTmKlVmDd-F7qW04) [View more news](113/csmbM04/VX1L9h7rHXqgW5N2dcP4B450CVQq14551N1WKN4Rsyg63qgyTW7lCdLW6lZ3p2VFS4t35FpRGvW8Xwmg_8HQ4rjW8rZBj85rBWwvW5Fzn3b94VyF0W5xT2X76ZZ234N1DYbP84f6lcW1S80md9hynt7W1TSpm99b3q95W78g5cn5-z2sLW4bX3vg5dcpwkN3kGvWyh0LfFW3WnRzp4V4c7dW4wmMfx32vGFGW8wK0My38xspMW6bdsQp5NytB-W22chbR49rBtYW8CCYV33rk4WpW1Nc7Jr2Q5h9RW8H5yLH7Jhn5xW7F4c765WW7mwN4DK1Kby569kW7JWfPt6CfPctW5jmBfW3_5VN5W5G5X0z6jL2T6d_SPVK04) You have 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