May 19, 2026

Interest Rates Will Rise - Here's How To Protect Yourself

11 minutes

Simon addresses a critical and timely concern for property investors and homeowners alike: the high likelihood of rising interest rates in the UK.

Driven by the geopolitical conflict in Iran and its looming, inflationary impact on oil prices, energy costs, and the global supply chain, he explains why the Bank of England will likely be forced to raise base rates to cool down the economy.

KEY TAKEAWAYS

Geopolitical tensions are expected to drive up oil and energy costs, triggering widespread inflation across the UK supply chain and forcing the Bank of England to raise interest rates.

Investors and homeowners should immediately review their mortgage portfolios—especially those on variable rates or with promotional deals expiring in 2026—to secure fixed rates before borrowing costs increase.

It may be financially smarter to pay an early redemption penalty now to lock in a lower fixed rate, rather than waiting for the penalty period to end and facing significantly higher interest charges later.

While borrowing costs are rising, property investors can expect rental income to increase over the next five years due to inflation and the legislative impacts of the Renters' Rights Act.

BEST MOMENTS

"When inflation goes up, generally they put interest rates up to cool down the economy."

"Maybe it’s worth paying it off sooner than you would normally and paying the penalty, because that might be less than you might pay in increased charges if you wait to fix your mortgage."

"Although your interest rates are the same, the rent you're going to receive is going to go up over time, obviously subject to affordability."

"As ever, I encourage you to invest with knowledge, invest with skill."

VALUABLE RESOURCES

To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20).

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Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32.

Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors.

Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth.

Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book.

Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals.

This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

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By Simon Zutshi

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