Welcome to the December 2025 edition of The Money Statistics, The Money Charity’s comprehensive monthly round-up of statistics showing how we use money in the UK, kindly funded by Vanquis.
Striking Numbers from the January Money Statistics:
- Inflation has fallen a long way from its peak of over 10% three years ago. The inflation rate has fallen to 3.2% in the year to November 2025, the lowest rate in eight months, down from 3.6% for the year to October.
- The energy price cap for a typical dual-fuel direct debit household is around £1,755 a year, or £146 a month, in late 2025. This is well below the peak level of £2,380 under the Energy Price Guarantee from October 2022 to June 2023, but still 44% higher than in winter 2021-2022.
- In December, the Bank of England cut the base interest rate by 0.25% to 3.75%, the lowest level in nearly three years, as inflation cools and growth slows. Since August 2024, the Bank of England has cut rates six times.
- Gross mortgage lending in July to September 2025 was £80.45 billion, 22.7% higher than the same quarter the previous year, and also 3.7% higher on the unusually large figure for Q1 2025.
Get the full picture and many more fascinating facts about money in the UK in our monthly Money Statistics. Previous editions can be found in the archive.
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