Bank of England holds Base Rate in July

Base Rate frozen once again.

The Bank of England has elected to keep Bank Base Rate at 0.5% at the latest meeting of the Monetary Policy Committee (MPC).

With inflation so low – the Consumer Prices Index stands at just 0.1% currently, having dropped into the negative before that – there does not appear to be much pressure on the Bank of England's decision makers to raise Base Rate from its current record low.

That said, according to the minutes of last month's meeting of the MPC two members found the decision between voting to hold or raise rates "finely balanced".

[SPOTLIGHT]Indeed, while the markets don't anticipate a rate rise until well into 2016, Martin Weale, a member of the MPC, told the Financial Times that the Bank of England should be ready to raise interest rates from as early as next month.

What it means for your money

With rates so low, it's a good time to be a borrower as mortgage rates continue to fall. For the latest market-leading mortgages, check out The best fixed rate mortgages and The best tracker mortgages.

However, life remains tricky for savers looking for a return on their money. Be sure to read Where to earn most interest on your cash for some ideas on where to get a better return beyond high street savings accounts.

More from loveMONEY:

The best fixed rate mortgages

The best tracker mortgages

Where to earn most interest on your cash

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