Gilt yields and SONIA fell circa 20 bps over the past three weeks (page 2), prompting cuts to fixed mortgage rates on new lending. The Fed cut its benchmark rate by 25 bps and will end Quantitative Tightening on 1 December: BOE Market Participants’ survey (page 3) predicts MPC will cut Bank Rate to 3.75% in December. The Renters’ Rights Act has received Royal Assent, introducing new powers for local housing authorities. There are serious penalties for non-compliance. Landlords, e.g. the Chanc ....