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halifax has been able to announce this quite chunky. and others like hsbc will announce further or see further reductions. it does depend on what deal you have got. it will depend on your circumstances and another warning that brokers expect more rate cuts to come but they won't fall to the ultra low levels that we have benefited from for a decade or so. lets talk to dan kemp about this, global chief investment officer at morningstar investment management. good morning and happy new year. this is the news that doris want to hear. it is just when will the bank of england started to lower rates, that is what the banks are pressing on, isn't it? ., ., ., , _ isn't it? hello and happy new year to yom _ isn't it? hello and happy new year to you. yes, _ isn't it? hello and happy new year to you. yes, this - isn't it? hello and happy new year to you. yes, this is - isn't it? hello and happy new year to you. yes, this is a - isn't it? hello and happy new year to you. yes, this is a bit| year to you. yes, this is a bit of light in a very dark time of yearfor of light in a very dark time of year for mortgage borrowers. they have been under the crush of the last year or so the