Mortgage Rates are falling – what 2026 could mean for your next deal. Rate cuts, cheaper deals, and a potential boom?
A year ago, “waiting it out” felt like the only sensible mortgage strategy. Now, rates are finally edging down, lenders are competing again, and 2026 is shaping up to be a year where timing and preparation could genuinely save borrowers real money. The catch is that the best deals will not land evenly for everyone, so knowing what’s driving pricing, and what you can control, matters more than ever.
Here’s everything you need to know about where mortgage rates could go next in 2026, what lenders are doing right now, and how to position yourself for the best possible deal.