Bailey: Inflation will fall but ‘it’s taking a lot longer than expected’

Bank of England thinks inflation will come down, but “it is taking much longer than expected,” says Governor Andrew Bailey

Reducing UK inflation is taking ‘much longer than expected’, the governor of the Bank of England admitted yesterday.

Andrew Bailey stressed that the UK labor market was ‘very tight’, with some companies ‘hoarding’ staff to avoid having to recruit new workers from a shrinking pool.

While there are signs that the supply of workers is recovering, Bailey said it was happening “very slowly,” causing wages to rise rapidly and fueling inflation.

> How much would it cost you to re-mortgage? View the best rates

Speaking to the House of Lords’ Economic Affairs Committee, Andrew Bailey stressed that the UK job market was ‘very tight’

“Employers say they find it so hard to recruit workers in this market that they are not going to free up labour, they are hoarding. They will adjust hours if necessary, but will be very reluctant to fire people,” he said.

Mr Bailey added: ‘We still think inflation will come down, but it is taking much longer than expected.’

The governor also revealed that food price inflation, which was at a near record high of 19.1 percent in the year to April, turned out to be more stubborn than expected.

But mr. Bailey said the food retailers had been inaccurate when they told the bank about industry pricing.

More retailers than food producers have told us that inflation will come down.

Then the contact came back later and said, “Sorry, we misunderstood that one,” he said.

Reducing UK inflation is taking “much longer than expected”, the governor of the Bank of England admitted

His comments came after official data showed UK wages rose by 7.2 per cent in the three months to April, their fastest pace ever recorded outside of the Covid-19 pandemic.

This was accompanied by an employment rate that reached a record high of 76 percent, while the unemployment rate fell from 3.9 percent to 3.8 percent.

Danni Hewson, head of financial analysis at investment firm AJ Bell, said: “The fear of finding new skilled workers is holding back many employers from letting staff go.”

She added that with rising food costs and the prospect of “impossible increases in mortgage payments,” many employers viewed wage increases as “the only way to keep valued staff on board.”

But Ms Hewson warned that wage increases helped drive up prices.

“Salaries have helped mitigate rising costs to some extent, but they’ve also helped maintain purchasing power and that’s fueling the very thing that’s causing all the pain in the first place,” she said.

Mortgage: what you need to do

Borrowers whose current fixed-rate contract is coming to an end are facing much higher costs and should explore their options as soon as possible.

Those who have agreed to buy a home should also check how much they can borrow and monthly payments and consider closing a deal.

This is Money’s best mortgage calculator powered by L&C that can show you deals that match your mortgage size and property value

What if I have to borrow again?

Borrowers should compare rates, talk to a mortgage broker, and be prepared to take action to secure the option of a new rate.

Anyone with a flat-rate contract expiring in the next six to nine months should look at the best rates they can get — and consider getting a new contract. Often there is no obligation to take it.

With rates currently rising, it’s possible if you plan ahead they could fall by the time you need the mortgage. Most mortgage agreements allow fees to be added to the loan and are not charged until it is closed. By doing this, borrowers can secure a rate without paying expensive arrangement fees.

Ask your broker and check if you are required to take the rate or can switch to a cheaper deal if rates drop before you take out the mortgage.

What if I buy a house?

Those with an agreed home purchase should also aim to secure rates as soon as possible so they know exactly what their monthly payments will be.

Homebuyers should be careful not to overextend themselves and be aware that house prices could fall from their current highs as higher mortgage rates limit people’s borrowing and purchasing power.

Compare mortgage payments

The best way to compare mortgage rates and find the right deal for you is to talk to a good real estate agent.

This is Money has a longstanding partnership with free broker London & County to help readers find mortgages.

You can use our best mortgage interest calculator to display deals that match your home value, mortgage size, term and fixed interest needs.

Keep in mind that rates can change quickly, so compare rates well in advance of any deadlines and speak to a broker as soon as possible so they can help you find the right mortgage for you.

> Check out the best fixed rate mortgages you can apply for

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