island packet yacht for sale uk

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• Island Packet Yachts
• Island Packet 35

Island Packet 35 (1990) for sale in Milford Haven, United Kingdom

£75,950 GBP Tax Paid / Included Get a foreign exchange quote

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This Island Packet 35 is an excellent choice for those looking for a blue-water cruiser with a robust build quality and encapsulated long keel. Cutter rigged with a keel-stepped mast, she is designed to take heavy weather and offers spacious and comfortable living down below, sleeping up to seven people in 3x double and 1x single berth. Upgrades include a new Yanmar 53HP engine (2010) and new standing rigging, furlers and sails (2019), with solar and wind power also fitted. In great condition and UK specification, this vessel is ready for her next adventure on the high seas.

About this Island Packet 35

Island Girl offers light airy, spacious and beamy living down below with 6'' 4' standing headroom. Sleeping 7. Eberspacher heating and pressurised hot and cold water. 

Galley  to starboard

Large U-shaped galley

Eno 3 Gas hob with oven and grill

Galley strop with stainless steel grab rail

Large Frigoboat K35F top loading fridge with freezer section

Twin stainless steel sink with hot and cold pressurised water

Twin water tanks with 200 litre capacity

Plenty of stowage in galley cupboards and drawers

Island Packet branded crockery

Quick Calorifier 25L

Saloon seating to starboard 

Saloon seating to port - converts to double berth

Stowable saloon table - opens to reveal ships bar and glass rack

Bluetooth Radio CD

Ships clock and barometer

Navigation Station  to Port

Full size chart table

Navigation seat

Island Packet electric panel

Eberspacher heating controls

Electronic Navigation  down below

Raymarine Hybrid Touch 9 chart plotter

Garmin GPS Maps 182c

iCom IC-M501 VHF Radio with DSC

iCom DSC Controller DS100

ICS Navtex 6

Raymarine Quatum 18'' Q246 with Radar overlay on chart plotter

UK & European charts

Ships EPIRB

Owners Cabin  forward

Large double berth - Dressing seat

Large hanging locker

Hatch to fore deck

Cabin lights and reading lights

Jack and Jill access door to

Heads  to starboard

Sink with hot and cold pressurised water

Vanity until with ample stowage

Large mirror

Separate shower space

Shower drain pump

Manual marine toilet

50 Litre holding tank

Double Cabin  port aft

Hull standing head room at entrance

Large double berth

Cabin lights

Decks with moulded non slip surface

Delta anchor

Chain and warp

Simpson Lowrance Anchorman 700 electric windlass

Stainless steel pulpit

Stanchions with guard wires

Guard gates to port and starboard

Jackstays to port and starboard

Mooring cleats

Mooring lines

Fenders and warps

Cockpit cover

Large deep cockpit with teak coamings

Cockpit cushions

Wheel steering

Bow thruster controls at helm

Navigation Suite in Deck

Island Packet binnacle compass on pedestal -  Fully refurbished 2019

Raymarine Hybrid Touch 9 chart plotter - can be brought to fittings on deck

Autohelm Wind/Speed/Depth

Raymarine ST 7000 Auto Pilot

LED Navigation Lights

Radar reflector

Cockpit Equipment

2 x  2 Speed Lewmar self tailing halyard winches

2 x  2 Speed Lewmar self tailing sheet winches

Engine panel

Autopilot controls

2 x Large cockpit lockers

Stainless steel swim ladder

Hot and cold transom shower

Stainless steel pushpit

Stainless steel aft arch

Auxiliary bracket 

HIN: TDL-35095L990

Hull, decks and superstructure GRP

Ivory coloured hull

Hull washed polished & antifouled - September  2023

Long keel - encapsulated

VETUS Bow Thruster

Anodes -  New September 2023

Yanmar 4JH5-E 53 HP -  New 2010

Last service - August 2023

Shaft Driven

3 Blade bronze propeller

Rope cutter

3 x 110AH Batteries -  New 2020

1 x 80AH Battery -  New 2020

Battery Charger CTEK M300

Charged by:

125A Alternator

Shore power

2 x Electric bilge pumps

1 x Manual bilge pump

Sails and Rigging

Cutter rigged with aluminium spars

Keel stepped mast

Standing rigging -  New 2019

Battened mainsail, slab reefing - Crusader Dacron White -  New 2019

Staysail - Crusader Dacron White -  New 2019

Genoa - Sander Dacron White -  New 2010

Seldon Furlex on   Staysail and Genoa -  New 2019

Self tacking with Island Packet Hoyt boom

Running Rigging regularly replaced as required

All lines aft to cockpit

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Island Packet Yachts 350 also found under:

• Island Packet Yachts 350
• Island Packet Yachts United Kingdom
• Island Packet Yachts 350 United Kingdom

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• Boats for Sale
• Island Packet Boats

Boats similar to Island Packet Boats 440

2002 island packet boats 420 for sale.

OFFERED BY:

Simpson Marine Limited

2000 Island Packet Boats 420 for sale

Burnham-on-Crouch,

CLARKE & CARTER YACHT BROKERS

1994 Island Packet Boats 40 for sale

Boat not available.

Island Packet Boats 440 for sale in Kingswear United Kingdom

Kingswear United Kingdom

Make & Model

Island Packet Boats 440

MEASUREMENTS

Description.

Just back on the market and in lovely condition throughout, this Island Packet 440 combines serious Island Packet build quality with great comfort, easy shorthanded sailing and great sea keeping, the hallmark of every Island Packet yacht along with classic good looks. Cutter rig with self tacking staysail. This long keel world cruiser is built for long distance, blue water cruising with a very safe and stable outlook as a number one priority. Electric winches, generator and bow thruster. Now berthed in Noss Marina, Dartmouth. Viewings available by appointment.

Two very conscientious and proud previous owners. The current owner is looking to a gradual change of leisure life style so prepared to consider a part exchange for a trailer sailer, motor boat or motor home.

Recently sailed down from Southampton to Dartmouth, she is now berthed on the River Dart at Noss on Dart Marina in Devon. Seraph is nicely set up for European and short-handed long distance cruising. Mainly sailed around the UK with a couple of Round GB passages and the occasional north European holiday cruise.

Yacht Information

• Boat Name:  SERAPH
• Year:  2008
• Builder:  Island Packet
• Designer:  Bob Johnson
• Engine:  Yanmar 4JH4-TBE 75hp
• Location:  Dartmouth, Noss Marina
• LOA:  45 ft 9 in / 13.99m
• LWL:  38 ft 1 in / 11.61m
• Beam:  14 ft 4 in / 4.38m
• Draft:  5 ft 0 in / 1.52m
• Bridge clearance:  62ft
• Ballast:  5.4t 
• Displ:  14.5t 
• Yanmar 4JH4-TBE 75hp
• Direct drive
• 3-blade bronze propeller
• Cruising speed:  6.5knots
• Max speed:  8 knots
• Displ. type:  Dry load
• Fuel capacity:  159 gals
• Water capacity:  260 gals
• Holding tank:  55 gals
• Bow thruster
• Electric windlass
• 12v electric circuit
• Numerous chrome-plated cabin side lights with individual dimmer.  Overhead lights with remote dimmer switches.

Deck Equipment

• Aft cockpit design
• Geared rack and pinion steering system proven through millions of miles of all types of cruising, providing sensitive and responsive control with rugged reliability and a minimum of maintenance
• 13 x opening ports w/screens, polished stainless steel, safety glass, 8 x deck hatches with OceanAir screens and shades
• Dorade style vents with screens and plugs

Domestic Inventory

• The interior layout of the 440 makes it perfect for the couple that wants comfortable cruising with excellent family or guest accommodation.  Both cabins feature island berths so neither wake the other when getting out of bed.  A long list of other interior amenities put this yacht in a class by itself 
• Select teak hardwoods and veneers for bulkheads, cabinetry and trim.  Louvered cabin and locker doors, extensive radius corner detailing, cedar lined lockers and drawers
• Main saloon with full length settees, ergonomically shaped multi-density cushions covered in Buff UltraLeather upholstery, large storage areas behind and under both settees
• Starboard settee converts to double berth.  Cedar lined hanging locker with extra height rods outboard, shelf above
• Large drop leaf table folds against bulkhead rack (with bottle stowage) for open saloon.  Chart stowage drawer under starboard settee
• 3 x overhead hatches, numerous opening ports, 2 x deck vents and overhead handrails
• Varnished V-groove, individual plank, solid teak and oak sole
• L-shaped galley with cooker and fridge
• Navigation station
• Two heads compartments

Accommodation

• Forward stateroom with privacy doors to saloon and forward heads compartment
• Large offset double island berth with teak shelf outboard, storage lockers and cedar lined drawers beneath
• Separate shower compartments in both heads

Brokers Comments

Seraph is a beautiful boat, definitely worth viewing if you are looking for a really sensible cruising yacht or blue water ocean going yacht that will keep you safe and sound wherever in the world you want to go.  The long keel and nicely balanced rig combines to provide superior sea-keeping and great sailing qualities.  She just plugs along steadily wherever she's pointed, no matter what the weather.  Just the job for living that dream, staying healthy and safely getting away from all the hassle of life and global restrictions. 

Built for Americans, so lots of space below decks and spacious, separate shower stalls and heads.

Engine Horse Power

Engine Count

Engine Hours

Propeller Type

ADDITIONAL INFORMATION

Bob Johnson, N.A. & The IP Design Team

Hull Material

Single Berths

Cabin Headroom

1.96 meters

Displacement(kgs)

14514.96 kilograms

Engine Type

Fuel Tanks Capacity

504.33 liters

No of Heads

Water Tanks Capacity

819.54 liters

Engine Year

ABOUT ISLAND PACKET BOATS 440

The Island Packet Boats 440 is a 46 feet long that boasts a 14 feet beam. and a draft of 1.52 meters.This 2008 diesel Island Packet Boats 440 is powered by a Yanmar 4JH4-TBE 75hp 4JH4-TBE, with 75.0 horsepower. The Island Packet Boats 440 is made of fiberglass.

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1 - 21 of 21 used boats

Island Packet Yacht for sale

Island Packet 380

Eastbourne, East Sussex

This is a stunning looking example of an Island Packet 380 - with very significant investment since 2022 and her owners are open to offers! She's travelled the world and is equipped accordingly with much new equipment recently procured and fitted by her current owners. Her upper deck is laden with sailing...

30' Island Packet 27 1990

Emsworth, Hampshire

This lovely 1990 Island Packet 27 (built in the USA) is for sale with Vivid Blue Marine. An extremely comfortable cruising yacht this yacht boasts considerably more voluminous accommodation than other yachts of this length and style. 'Good News' has just been valeted and hull-polished, serviced recently...

Island Packet Boats 420

Burnham On Crouch, Essex

The Island Packet 420 is a serious offshore cruising yacht, heavily built with a traditional long keel form and an easily handled cutter rig designed for short-handed sailing. Considered to be truly bluewater capable, with many ocean crossings under their belts, they also feature a moderate draft allowing...

Island Packet Boats 38

Plymouth, Devon

Remarks : This Island Packet 38 is a stunning example; she is well-specified, and her condition is excellent! She is set up for long-distance cruising and is a perfect blue-water cruising vessel. She benefits from having a large tankage for both water and fuel; she has solar panel charging, windvane...

Island Packet Boats 485

Southampton, Hampshire

NEW TO THE MARKET! Grateful Parrot is one of the finest examples on the market of the flagship from Island Packet. This 485 has undergone a full professional refit with over £250,000 spent on her from Autumn 2022 until Autumn 2023. She has a fantastic specification with 3 cabins, 3 double berths and 2...

40' Island Packet 380 1999

52' island packet 485 2002, island packet boats 380, island packet 3211m1990.

PO20 7EJ, Birdham, West Sussex

A beautiful example of the Island Packet 32, built in 1990 and launched in 1991. Long keel, cutter rig, slab reefing and self tacking stay-sail. Very well designed and internationally recognised as a high quality cruising boat, she has been meticulously maintained by her owners. The perfect family cruising...

Island Packet 48516m2002

SO31 1ZL, Fareham, Hampshire

Island Packet 3813m1986

PL1 4LS, Plymouth, Devon

This Island Packet is an excellent example! She is a blue water cruiser with an excellent inventory. Island Packet are known for their quality of build, seakeeping qualities and this has all of them!Show More

Island Packet 279m1990

London, England

This lovely 1990 Island Packet 27 (built in the USA) is for sale with Vivid Blue Marine. An extremely comfortable cruising yacht this yacht boats considerably more voluminous accommodation than other yachts of this length and style. 'Good News' has just been valeted and hull-polished, serviced recently and...

Island Packet 2910m1992

LN1 2WN, Burton, Lincolnshire

The Island Packet 29 combines all the features and benefits that have made the entire Island Packet line one of the most popular and respected among today's knowledgeable cruising sailors.Spirited performance with exceptional sea keeping and safety, spacious accommodations that invite living aboard, and...

Island Packet 42013m2000

CM0 8BL, Burnham On Crouch, Essex

Island Packet 3512m1990

SA1 3RD, Castle, Swansea

Looking for a Blue Water cruiser? The Island Packet 35 offers a great build with an encapsulated long keel. Cutter rigged for ease of sail handling plus keel stepped mast. This vessel will look after you in heavy weather. Add to the mix spacious and comfortable living down below. Sleeps 7 in 3 x double and...

Island Packet 485

Island packet 38.

Remarks :This Island Packet 38 is a stunning example; she is well-specified, and her condition is excellent!She is set up for long-distance cruising and is a perfect blue-water cruising vessel. She benefits from having a large tankage for both water and fuel; she has solar panel charging, windvane...

Sailing Boat Island Packet 420 used

Sloop, cruising used - 12.8m - 2000 - 75hp 4JH3-TBE Yanmar (Die.) The Island Packet 420 is a serious offshore cruising yacht, heavily built with a traditional long keel form and an easily handled cutter rig designed for short-handed sailing. Considered to be truly bluewater capable, with many ocean...

Island Packet Craft Express 360

Origin Yachts are proud to offer "Mr Toad II", an Island Packet Craft Express 360 cruiser. Powered by twin Yanmar diesel engines, giving a top speed of approximately 28 knots. Comfortably sleeping four in one master stateroom and the saloon. The cab

Island Packet 45 - SOLD

Island Packet 45 For Sale. Sorry, unfortunately this yacht is now SOLD Do you have a similar yacht for sale? If so we are always seeking quality cruising yachts for active buyers, especially in the Solent and surrounding areas. For more deta

Grateful Parrot II is a truly wonderful example of the coveted flagship yacht from world renowned builders Island Packet, known for their outstanding build quality and overall commitment to excellence. This 485 has been extremely well looked after an

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32' Island Packet 29 1992

Ipswich, Suffolk

1992 Island Packet 29 with inboard Yanmar 3GM30 diesel engine, Below decks is spacious and comfortable with berths for 6-7 adults. Well equipped galley with oven and fridge. Heads with sea toilet and shower. The Island Packet 29 combines all the features and benefits that have made the entire Island Packet...

42' Island Packet 38 1986

This Island Packet is an excellent example! She is a blue water cruiser with an excellent inventory. Island Packet are known for their quality of build, seakeeping qualities and this has all of them!

Island Packet Boats 29

Page  1  of  224 

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Money blog: Eight things going up in price next week - and six major boosts to Britons' pockets

National Price Hike Day is on Monday, with water bills, broadband, council tax and the TV licence among the things going up. Read this and more in the Money blog - your place for consumer and personal finance news. Leave a comment on the stories we're covering, or a Money Problem, below.

Tuesday 26 March 2024 07:12, UK

• Eight things that are going up in price next week - and six major boosts to Britons' pockets
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Ask a question or make a comment

1 April (next Monday) is nicknamed National Price Hike Day, as it's when government bodies and private companies traditionally increase the cost of goods and services ahead of the new financial year.

So what can we expect this year?

TV and broadband

BT, EE, Plusnet and Vodafone customers will be charged 7.9% more from April. These companies pin their prices to December's inflation figure plus 3.9%, which is common practice in the industry.

Virgin Media and O2, which merged in 2021, are upping prices by 8.8%, as they use the retail price index from January plus 3.9%. There are caveats which mean some O2 customers will see prices rise by less than this.

Sky is also implementing price rises, meaning most Sky TV and broadband customers will pay an average of 6.7% more from 1 April.

Council tax

Most people who live in councils with responsibility for social care in England will see their bills rise by the maximum of 4.99%.

In areas where the councils don't oversee social care, the rise for most will be 2.99%.

Birmingham City Council, which has declared effective bankruptcy, has been given permission to hike council tax by 21% over two years due to a black hole caused partly by equal pay claims and a botched IT systems rollout.

Council tax has been frozen by the devolved government in Scotland, while rises in Wales range anywhere from 3% to 21%. Northern Ireland uses a rating system instead of council tax, and rises are also expected here.

The annual cost of a standard colour TV licence will rise to £169.50 from 1 April - an increase of £10.50 on the current price of £159 a year.

Rent for social housing

The CPI rate of inflation in September - 6.7% - is used to determine the yearly rise in rents. 

For 2024-25, the limit will be 6.7% plus an additional 1%.

The average household water and sewerage bill in England and Wales will go up by an average of 6% from April . 

Water UK said the increases would leave households with an average annual bill of £473.

Vehicle excise duty will rise on all but the cleanest new and used cars in April.

Increases are generally calculated in line with the RPI rate of inflation and are expected to be about 6%.

Train fares

Rail fares will rise by 8.7% in April for those in Scotland, after the Scottish government argued previous fare freezes were not sustainable. 

For those in England and Wales, fares rose by 4.9% on 3 March. 

The Royal Mail will raise the price of stamps again as the company struggles with a decline in the number of letters being posted.

The price of a first class and second class stamp will increase by 10p to £1.35 and 85p respectively from 2 April.

It's not all bad news in April

National insurance

Chancellor Jeremy Hunt announced in the budget earlier this month that the starting rate for NI will change from 10% to 8% from 6 April.

This will benefit 27 million workers, he said, and is worth about £450 a year to an employee on an average salary of £35,000.

NI for two million self-employed workers is also being cut.

Their rate will fall from 8% to 6%. The government says that is worth £350 to a self-employed person earning £28,200.

Child benefit

The amount people can earn before child benefit is reduced or taken away is increasing.

At the moment, people lose 1% of the benefit for every £100 they earn over £50,000. At £60,000, the benefit is cut completely.

From April, the benefit won't be reduced until one parent earns more than £60,000. And it will only go completely at £80,000.

Benefits and tax credits that are linked to inflation will rise by 6.7% in April.

That was the level CPI in September.

For joint claimants over the age of 25, universal credit standard allowances will rise from £578.82 to £617.60 per month.

The basic and new state pension will rise by 8.5% in April - to £11,502 a year.

The new state pension is for those reaching state pension age on or after 6 April 2016. It will rise to £221.20 a week - up from £203.85.

Minimum wage

The National Minimum Wage for those 21 and over will rise to £11.44 - an increase of £1.02, or 9.8%.

There are larger percentage increases for younger age groups -as well as a 21.2% rise for apprentices (going up to £6.40).

Energy price cap

From 1 April to 30 June this year the price paid by a typical household that uses electricity and gas will go down to £1,690 a year.

This is £238 a year lower than the price cap between 1 January and 31 March this year. 

A lunar rover manufacturer has signed a deal to allow businesses to test and advertise their products on the moon's surface. 

Start-up Astrolab is sending its Flex rover to the moon in 2026 - and has partnered with Group of Humans, a network for creative professionals, to allow the testing and advertising to happen.

Nasa is planning to build a base for a permanent presence on the moon, and it's said this new deal could provide opportunities such as Volvo introducing a lunar highway code or Nike developing footwear for the low-gravity atmosphere.

Rob Noble, the founder of Group of Humans, told The Times that his proposal was not particularly new as astronauts wore Omega Speedmaster watches for all six moon landings, and their spacesuits were designed by Prada.

He insisted this new platform would not be used to create gimmicks. 

"It isn't about rubbish stunts to send up Star Trek remains," he said, referring to the memorial spaceflight service that blasted the ashes of Star Trek creator Gene Roddenberry and several former cast members into space. 

"We are focused on making sure that the ­resources of the moon are cared for and preserved. It's about really being thoughtful and an awareness that this is going to be really important for mankind. We want to find the companies that really want to change the world."

The British government is no longer the controlling shareholder in NatWest bank , reducing its stake in the lender to below 30%.

NatWest received several multibillion-pound bailouts at the height of the financial crisis in 2008 and 2009, resulting in the government being left with an 84% stake in what was then known as RBS Group.

The government had been slowly selling down its stake but it accelerated the process in recent months.

Read the full story here ...

People who drive SUVs could have to pay higher parking charges in Oxford under plans drawn up by some city councillors.

The motion has been put forward by the city's Green Party.

It follows a new policy in Paris that saw parking charges triple for SUV drivers. 

The Green Party's plan would have to be approved by the Labour-controlled council.

Apple, Meta and Google's parent company are being investigated by the European Union under new laws designed to clamp down on the market power of the world's tech giants.

The Digital Markets Act (DMA) came into force at the beginning of March and aims to tackle "gatekeeping" behaviour among tech giants.

If the companies are found guilty of non-compliance, they face fines of up to 10% of their global turnover.

Under the new rules, companies are expected to allow app developers to steer users to products outside their own platforms for no extra charge.

Also, platforms that rank search results must treat all listings fairly and in a way that does not discriminate against services offered by third parties.

The number of under-30s with millionaire salaries has grown to a record high of 830, while more than 15,000 young people earn over £150,000, analysis by accountancy firm Lubbock Fine shows.

Before the pandemic, 650 under-30s had earned at least £1m and 13,400 earned more than £150,000.

Among the highest paid young people in the UK are pop star Dua Lipa, Manchester City star Erling Haaland and actress Millie Bobby Brown.

Lubbock Fine said the rise in £1m-plus earners is being driven by higher pay packages for sports, media and music stars, while the rise in those on more than £150,000 is thanks to higher salaries in the technology and financial services industries.

The average salary for a Premier League footballer is £3.6m a year, with Erling Haaland, 23, the highest earner under 30. 

The star earns £19.5m a year, or £375,000 a week, according to Spotrac. 

Chelsea and England star Raheem Sterling, 29, is on £16.9m, while Jack Grealish, 28, and Marcus Rashford, 26, both earn £15.6m. 

In music, pop star Dua Lipa, 28, is thought to be the richest under 30 with a wealth of more than £75m. 

The highest-paid young British actor is Millie Bobby Brown, known for her starring roles in Stranger Things and Enola Holmes.

She is said to have accumulated a net worth of £20m.

But while football and music and acting is a route to fame and fortune, in cash terms it is dwarfed by tech. According to the Sunday Times Rich List, the wealthiest under-30 in the UK is the 28-year-old builder of the video conferencing app Hopin, Johnny Boufarhat (£1.7bn).

Wealthiest under-30s

• Johnny Boufarhat, founder of Hopin - £1.714bn
• Christian Owens, founder of Paddle - £101m
• Dua Lipa, pop star - £75m
• Raheem Sterling, footballer - £61m
• Charlie Morgan, co-founder of Au Vodka - £55m
• Niall Horan, pop star - £54m
• Harry Kane, footballer - £51m
• Daniel Knight, director of Kinetic Games - £50m

Visitors to the popular tourist attractions will pay more at peak times under new plans from owner Merlin Entertainments. 

Surge pricing - which means prices fluctuate depending on demand - will be introduced at the company's top 20 global attractions by the end of this year. 

Scott O'Neil, chief executive of Merlin Entertainments, said people would expect to pay more in peak season, for example a Saturday in August, than on a "rainy Tuesday in March".

He told Business Live With Ian King : "One thing I love about dynamic pricing is that it offers an opportunity in the peak times to make sure the queues are down and the guest experience is high. 

"The other part that I really appreciate about dynamic pricing is that in off-peak times, it allows families that might not otherwise have an opportunity to go."

The theme park operator will use machine learning to monitor supply and demand.

Surge pricing is frequently used by hotels and airlines, but the model is being increasingly adopted by entertainment facilities. 

Merlin revealed today it had delivered record revenues of £2.1bn in 2023, up 8% year on year. 

However, visitor numbers have still not returned to pre-pandemic levels. 

Roughly 62.1 million people visited its 141 global attractions last year, down from the 67 million recorded in 2019.

A leading buy-to-let lender has cut rates across its range.

The Mortgage Works announcement includes a headline 3.99% deal fixed for five years.

The industry has reacted positively, with Darryl Dhoffer from The Mortgage Expert telling Newspage: "Buy-to-let mortgages have been dropping for some time now. 

"Who would have thought that a headline buy-to-let rate of 3.99% would be cheaper than a standard residential mortgage rate? 

"Fair play to The Mortgage Works. Let's hope big brother, Nationwide, wake up and start reducing residential interest rates."

Three lesser-noted developments at the Bank of England last week have prompted a forecast that 3% interest rates will return next year.

Economists at the respected insight firm Capital Economics have been analysing voting patterns and interviews given by Bank rate setters - and "as a result we have become a bit more confident in our forecasts that interest rates will be cut from 5.25% in June and to 3.00% next year".

Paul Dales, the firm's chief UK economist, explained: "First, for the first time since September 2021, none of the nine members of the Monetary Policy Committee voted to raise rates.

"Second, the minutes to the meeting included a new line that said 'policy could remain restrictive even if Bank Rate were to be reduced'. This may sound innocuous, but at every meeting since interest rates rose to their peak of 5.25% last August, the MPC has said that policy would remain 'restrictive for sufficiently long'. 

"Pointing out that a rate cut is not inconsistent with that guidance implies that the MPC wanted to make it clear it would not necessarily need to remove that guidance before it cuts rates."

Thirdly, Dales has picked out comments by governor Andrew Bailey, who told the FT last Thursday afternoon that market forecasts for cuts this year were "not unreasonable".

Dales said: "Subsequent comments that 'all our meetings are in play; we take a fresh decision every time' imply that the MPC will be actively considering rate cuts at the coming meetings."

Markets are expecting three cuts, from 5.25% to 4.5%, this year, starting in June.

There is a 20% chance, according to markets, a first cut could come in May, when inflation data for the previous month is expected to show a big drop in inflation due to an April cut to the energy price cap.

By Daniel Dunford , senior data journalist

British people aren't the only ones to moan about the state and price of housing in their country, but we do have the best justification to do so.

Finland is the only country in the OECDi that spends more on housing than British workers as a proportion of total spending.

And after you adjust for quality, in terms of size, age and proximity to jobs, the UK has higher housing costs than any other developed economy, research by living-standards thinktank the Resolution Foundation shows.

These charts illustrate the key findings...

Leeds Building Society has just announced cuts of up to 0.25% on selected fixed-rate deals.

Relative newcomer to the market Gen H is also reducing rates by up to 0.2%.

Industry insiders say lenders are responding to falling swap rates (these reflect market expectations for future interest rates) and positive noises from Bank of England governor Andrew Bailey last week.

Despite the Bank holding its base rate at 5.25%, Mr Bailey said market expectations of cuts this year (they currently think there will be up to three, starting in summer) were "reasonable".

Michael Haupt, owner of Tomorrow Mortgages, told the industry news provider Newspage, in quotes supplied to the Money blog: "It's great news that Leeds have announced a number of rate cuts this morning. 

"Hopefully this is the start of things to come and the general narrative around mortgage rates will become more positive.

"Though we didn't get a rate cut last week, we got very clear signs from the Bank of England that one is coming soon."

Ying Tan, CEO at Habito, added: "Great to see Leeds being the first mover, off the back of positive inflation news last week. They might be the first but they certainly won't be the last as swap rates have fallen since Andrew Bailey's comments that base rate cuts are on their way."

According to Moneyfacts, the average two-year fixed residential mortgage rate today is 5.82%. The average five-year is 5.40%.

These are just averages - and many buyers or re-mortgagers will be able to secure something in the 4-5% range.

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Planned Outage for Some Cornell Lab Services

Several Cornell Lab of Ornithology services will be unavailable beginning March 19 through 6:00 a.m. U.S. Eastern time on March 21 . This is a one-time disruption while we migrate more than 1.6 billion eBird observations and additional project data to new servers. After the move, our websites will have improved reliability, stability, and room to grow. Thank you for your understanding during this outage.

Don’t worry, your data (checklists, media, Bird Academy courses, Merlin life list, etc.) will be safe during the migration and will be unaffected when we come back online.

Unavailable: The following websites and services will be down during this period:

• eBird.org , including eBird portals, eBird Alerts, the eBird API, eBird Science, and data downloads
• Macaulay Library
• Birds of the World

Partially affected: Several Cornell Lab projects will remain up but services that require a login will be unavailable:

• Bird Academy login and store will be unavailable. Users will be able to access most course materials if they were logged in to the site before the outage. Snap ID quizzes will not function during the outage.
• NestWatch and Project FeederWatch login and data entry will be unavailable both on the website and the app. Please record your data on paper and enter it after the outage ends.
• eBird Mobile app : The Explore and My eBird functions will not work during the outage. You can use the app to create checklists and then submit them after the outage ends. Your eBird data will be safe.
• Merlin Bird ID app : Sound ID will continue to work, as well as Photo ID, Step-by-Step, and Explore, using your recent locations only. You will not be able to save sightings, refresh your life list, update your location, or log in to your account. These functions will return when the outage ends and your data will be safe.

Unaffected: The following sites will continue to function as normal:

• Cornell Lab of Ornithology institutional website
• All About Birds
• Cornell Lab YouTube channel

What Can I Do During the Outage?

Go out birding.

• If you already have Merlin Bird ID app installed, you can still use it for some purposes. Though you won’t be able to update your location, save sightings, or refresh your life list, the ID functions will still work with your saved locations, and you can still browse species using Explore Birds
• If you already have the eBird Mobile app installed on your device, you can start eBird Mobile checklists during the downtime and submit them once eBird is back online. Learn how to Enter Sightings with eBird Mobile

Explore Birds Online

• Read about science, conservation, and birdwatching on All About Birds and in our magazine, Living Bird
• Watch wild birds live on Cornell Lab Bird Cams
• Browse our natural history films on the Cornell Lab YouTube channel
• Watch recorded webinars on everything from Merlin tips and tricks, to feeding birds at home, to conversations with scientists, and more

Stay Connected

• Watch for status updates on our Facebook and Instagram channels
• Join us for two days of fun activities on the  @Team_eBird Instagram  account
• Have some fun by sharing your “life without eBird” on social media. If you’re missing your live eBird access during this outage, share how you’re coping with the hashtag #eBirdLife. We’ll be right there with you!

Join Our Email List

The Cornell Lab will send you updates about birds, birding, and opportunities to help bird conservation. Sign up for email and don’t miss a thing!

Golden-cheeked Warbler by  Bryan Calk/Macaulay Library