Date Published 30 July 2026
The Bank of England has held the UK base rate at 3.75% for a fifth consecutive meeting. Although an immediate rate cut now appears unlikely, stable interest rates should give Worthing buyers and sellers greater certainty when planning their next move.
Why has the base rate stayed at 3.75%?
UK inflation fell to 2.6% in June 2026, moving closer to the Bank of England's 2% target. However, volatile energy and fuel prices could push inflation higher again.
The Bank has therefore kept interest rates unchanged while it assesses how these pressures affect the wider economy.
What does this mean for mortgage rates?
Most UK mortgage borrowers have fixed-rate agreements, so their monthly payments will not change immediately.
However, mortgage pricing has risen in recent months. According to figures reported by the BBC, the average two-year fixed mortgage rate was 5.62% on 30 July, while the average five-year fixed rate was 5.66%.
Is this good or bad news for Worthing buyers?
Stable interest rates provide buyers with a clearer basis for calculating their budget and monthly mortgage payments.
Waiting for rates to fall does not guarantee a better outcome. Lower mortgage rates could bring more buyers into the market, increasing competition for the best homes and potentially placing upward pressure on prices.
Buyers who find a suitable property with affordable monthly repayments may therefore decide that moving now is preferable to trying to predict the next interest-rate change.
What does it mean for Worthing house prices?
The Worthing property market varies considerably according to location, property type, condition and price.
Well-presented houses in sought-after areas are still attracting strong interest. Some leasehold flats and properties requiring significant modernisation are taking longer to sell, as buyers remain conscious of mortgage repayments, service charges and renovation costs.
Worthing continues to appeal to buyers because of its seafront, transport connections, schools and comparative value against Brighton and other parts of Sussex. These underlying advantages remain unchanged.
Correct pricing is particularly important. Buyers frequently set strict maximum prices when searching online, based on their mortgage affordability. A property priced just above a common search threshold may miss a significant proportion of its potential audience.
Should you sell your Worthing property now?
There is no single perfect time to sell. The right decision depends on your circumstances and what you plan to purchase next.
A more balanced market can benefit homeowners moving up the property ladder. While you may need to accept a realistic price for your current home, you could also have greater negotiating power over your onward purchase.
Serious buyers are still moving in Worthing. Properties that are accurately priced, well presented and marketed effectively will continue to generate interest.
Local advice can make the difference
Interest rates remain below their 5.25% peak, inflation has fallen substantially and the Worthing housing market continues to offer opportunities for committed buyers and realistic sellers.
If you are considering buying or selling a property in Worthing, Goring-by-Sea or the surrounding area, Matthew Anthony can provide an honest assessment of current demand, likely value and the best marketing strategy for your home.
Call Matthew Anthony on 01903 501105 to arrange a property valuation or discuss your next move.
Mortgage rates and economic conditions can change. This article provides general information and does not constitute financial advice. Buyers should consult a suitably qualified mortgage adviser.
