Huge boost for borrowers as major lender cuts rates by up to 0.2%

Dariusz Karpowicz, director at Doncaster-based Albion Financial Advice says: "Scrapping the two-child benefit cap will cost roughly £2.5 billion annually, money the Treasury doesn't have lying around. Yet here's the uncomfortable truth: Britain's birth rate sits at 1.49 children per woman, well below replacement level, and child poverty affects 4.3 million kids. You can't build a functioning economy on a shrinking, impoverished population. "The question isn't whether we can afford to scrap the cap. It's whether we can afford not to. Every pound spent lifting children out of poverty today saves multiple pounds in healthcare, education support, and lost productivity tomorrow. "Countries that invest in families see returns through healthier workers, better educational outcomes, and yes, more taxpayers down the line. Short-term pain, long-term necessity."