Interest rates went down yesterday by 0.25%. For those of us paying off HP debt such as a house or car, it is a good idea to continue paying the same amount you have been paying. You might need to check what the payment difference is after the first month of change and then create the routine of paying the difference yourself each month, or see if your bank can keep the same debit order going for you. You will now be paying the capital off a bit faster than before. A good thing.