英镑兑美元汇率升至1.265美元以上，接近2月26日触及1.27美元以上的两个多月高点，因为人们对欧洲领导人领导的潜在乌克兰和平计划越来越乐观。英国首相基尔·斯塔默宣布了一项16亿英镑（20亿美元）的协议，向乌克兰提供5000枚防空导弹，加强了英国的支持。虽然美国的保护主义措施预计将对欧洲货币造成压力，但英镑被认为不那么脆弱。英镑也因预期英国利率将比其他主要经济体保持更长时间而走强。英格兰银行副行长Dave Ramsden强调，持续的工资压力可能会使通货膨胀率高于目标，尽管他指出未来的降息可能不是渐进的。这一前景，再加上地缘政治的发展，提振了投资者对英镑的信心，导致英镑兑美元汇率自9月以来首次出现月度上涨。

The British pound strengthened past $1.265, moving closer to an over two-month high hit above $1.27 on February 26, as optimism grew around a potential Ukraine peace plan led by European leaders. UK Prime Minister Keir Starmer announced a £1.6 billion ($2 billion) deal to supply Ukraine with 5,000 air-defense missiles, reinforcing Britain’s support. While US protectionist measures are expected to pressure European currencies, the pound is seen as less vulnerable. Sterling also gained strength from expectations that UK interest rates will remain higher for longer compared to other major economies. Bank of England Deputy Governor Dave Ramsden highlighted that persistent wage pressures could keep inflation above target, though he noted future rate cuts may not be gradual. This outlook, combined with geopolitical developments, has boosted investor confidence in the pound, leading to its first monthly rise against the US dollar since September.

2025年1月，英国个人的净抵押贷款借款增加了9亿英镑，达到42亿英镑，这是自2022年9月以来的最大增幅，此前12月增加了11亿英镑。1月份，净抵押贷款的年增长率从12月份的1.5%加速至1.8%，延续了自2024年4月以来的上升趋势。贷款总额基本保持不变，为213亿英镑，而还款总额从12月的185亿英镑降至163亿英镑。

Net mortgage borrowing by individuals in the UK rose by £0.9 billion to £4.2 billion in January 2025, the largest increase since September 2022 and following a £1.1 billion advance in December. The annual growth rate for net mortgage lending accelerated to 1.8% in January, up from 1.5% in December, extending the upward trend seen since April 2024. Gross lending remained largely unchanged at £21.3 billion, while gross repayments fell to £16.3 billion from £18.5 billion in December.

英国购房抵押贷款批准净额是未来借款的关键指标，2025年1月基本稳定在66190，略低于12月下调后的66510，但超过了市场预期的65650。与此同时，再抵押的批准增加了2200份，达到32900份，扭转了前两个月的下降趋势。1月份，新提取抵押贷款的“实际”利率（实际支付利率）小幅上升4个基点，至4.51%。未偿还抵押贷款余额的利率也从12月的3.79%上升至3.81%。

Net mortgage approvals for house purchases in the UK, a key indicator of future borrowing, remained largely stable at 66,190 in January 2025, slightly down from a downwardly revised 66,510 in December but exceeding market expectations of 65,650. Meanwhile, approvals for remortgaging, capturing only those switching to a different lender, rose by 2,200 to 32,900, reversing declines seen over the previous two months. The ‘effective’ interest rate, the actual rate paid, on newly drawn mortgages edged up by 4 basis points to 4.51% in January. The rate on outstanding mortgage balances also ticked up to 3.81%, from 3.79% in December.

2025年1月，英国个人净消费信贷借款为17.4亿英镑，略高于12月修订后的11亿英镑，大大超过了12亿英镑的预测。这标志着自2024年1月以来最强劲的增长，因为信用卡借款急剧增加，从12月的4亿英镑增加到1月的11亿英镑，这是自2023年11月以来的最高增幅（12亿英镑）。与此同时，通过其他消费信贷渠道（如汽车经销商融资和个人贷款）的净借款仍稳定在7亿英镑。1月份，整体消费信贷的年增长率从12月份的6.5%降至6.4%。然而，信用卡借贷增长从8.1%加速至8.5%，而其他消费信贷类型的年增长率从5.8%降至5.5%。

Net consumer credit borrowing by individuals in the United Kingdom was £1.74 billion in January 2025, slightly up from the revised £1.1 billion in December, significantly exceeding forecasts of £1.2 billion. This marked the strongest increase since January 2024, as credit card borrowing saw a sharp rise, reaching £1.1 billion in January from £0.4 billion in December, marking the highest increase since November 2023 (£1.2 billion). Meanwhile, net borrowing through other consumer credit channels, such as car dealership finance and personal loans, remained steady at £0.7 billion. The annual growth rate for overall consumer credit edged down to 6.4% in January from 6.5% in December. However, credit card borrowing growth accelerated to 8.5% from 8.1%, while the annual growth rate for other consumer credit types declined to 5.5% from 5.8%.