However, before I launch into that topic, I will address a series of current problems, starting with sustained high interest rates and the damage it is inflicting on the UK Economy.

My first article will focus on the UK Government’s Monetary Policy and the Bank of England’s (Bank) totally inadequate response to the increase in inflation, by increasing the Bank Rate, which I shall demonstrate is the wrong option, as they totally disregard the fact that the cause of inflation is the world economic problems and is not driven by domestic factors, other than uncertainty concerning the Governments monetary policy.

It is not surprising then that The Organisation for Economic Co-operation and Development (OECD) has recently released a warning that effectively says that The Bank of England’s maintenance of its high base rate, will continue until at least the end of 2025.

Alongside this first article I have published a monetary policy that addresses these failings and has the potential to reduce inflation and reduce mortgage interest levels to a sustainable level for home mortgages social housing and business loans.

Demonstrating that to reduce inflation, there is no need to destroy the lives, jobs and businesses of hardworking people, along with the lives of vulnerable groups, which is the impact of the current levels of high mortgage rates, rent increases and the high cost of business loans, as a direct result of the Government’s Monetary Policy.

The Royd Monetary Policy is a comprehensive proposal that attempts to balance economic growth with social well-being, using a thoughtful approach to monetary levers, housing market considerations, sectoral focus, and the adoption of alternative metrics like the TPI.

The monetary policy will reduce mortgage interest levels to a sustainable level, boost growth by funding economic growth, using Bank of England Discounted Rates, to Economic Sectors that are significant contributors to the UK economy. It will also boost the central bank reserves and improve its sovereign credit rating that will lower the interest rate on UK debt.

All that can be achieved, whilst focusing on sustainability, equality, and local conditions. The question is: “If I can see it, why can’t they?” or ‘Is It me! ‘