Hold, Cut, or Wait? Amar Dhanota’s View on What the Bank of England Should Do Next

With the Bank of England’s Monetary Policy Committee under continued scrutiny from borrowers, lenders and advisers alike, Mortgage Introducer asked leading brokers for their candid assessment of what the Bank should do. Amar Dhanota, specialist mortgage adviser and co-founder of London FS, did not hold back.

Amar’s view was clear: rates do need to come down. But she was equally measured in her read of the MPC’s likely position at the time, predicting a hold rather than a cut given the volume of uncertainty still present in financial markets and the broader economic backdrop. She anticipated a split vote, and suggested that a meaningful reduction was more likely to follow a clearer run of data over the coming months. Whatever the Bank decides, speaking to a mortgage adviser London helps borrowers act on their own circumstances rather than the headlines.

Her commentary reflects the pragmatic lens she brings to all market discussions. Whether rates move in the short term or not, Amar’s advice to clients remains consistent: make a decision based on your personal circumstances and risk appetite, lock in a suitable option, and keep reviewing. Waiting for the perfect rate environment is rarely a winning strategy – and in a market shaped as much by swap rates and lender sentiment as by Bank Rate itself, the most important move is usually the one you can make right now.

Read the full feature on Mortgage Introducer.