It's good to know that BT and banks in general work with the best economists and analysts, but no one can predict exactly what an average interest rate (ROBOR or EURIBOR) will be at any given time, because it depends on a lot of factors that are hard to predict / measure or influence. Including government interventions in the economy or economic and fiscal policy decisions radically influence the evolution of ROBOR, along with inflation or external developments 😊

If you're thinking of taking out a loan, you can calculate your monthly repayments online in the BT credit simulator and then find out over the phone if you're within the amount you want.