Spring Roundup 2025
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Winter Roundup 2024
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Sub-4% Mortgage Deals Return as Lenders Cut Rates
Two major UK lenders, Santander and Barclays, have introduced mortgage deals with interest rates below 4%, marking the first time such rates have been seen since November 2024. This move signals increasing competition in the mortgage market, fuelled by expectations of further Bank of England base rate cuts. However, these sub-4% deals come with conditions…
The Renters Reform Bill: What It Means for Tenants and Landlords
The UK rental market is undergoing its biggest transformation in decades. The Renters Reform Bill aims to create a fairer system for both tenants and landlords by improving security, increasing housing standards, and streamlining tenancy agreements. Here’s a breakdown of the key changes and their impact. 1. End of Section 21 ‘No-Fault’ Evictions Currently,…
Why mortgage rates are rising while the bank of England is lowering rates
Why Mortgage Costs Are Rising Despite Interest Rate Cuts Mortgage costs are climbing, with the average rate on a two-year fixed deal now at 5.5%—even after a recent interest rate cut by the Bank of England. Major lenders like Barclays, HSBC, NatWest, and Nationwide have raised rates on new fixed mortgage deals, leaving many borrowers…
Bridging Finance
Bridging Finance: A Comprehensive Guide Bridging loans have emerged as a crucial tool for individuals and businesses alike. Whether you’re a property investor seeking quick funding for a new purchase or a homeowner looking to bridge the gap between property transactions, understanding the ins and outs of bridging finance is essential. In this comprehensive guide,…
Equity Release mortgages explained
A Guide to Equity Release Mortgages Your Home, Your Future Homeownership is a cornerstone of financial stability, providing not just shelter but also a potential source of wealth. For many homeowners, the idea of tapping into this wealth without selling their beloved property is both enticing and practical. Enter equity release mortgages – a financial…
Remortgage
Remortgage A remortgage is when you apply for a new mortgage with a different lender but stay in your current home. It is best to start looking at your options early, generally six months before your current mortgage deal expires and well before your mortgage reverts to a follow-on rate, or your mortgage provider’s standard…
Equity Release Mortgages Explained
Equity Release is a way of unlocking cash from your home which can be used for any number of reasons. Provided you are a homeowner and over the age of 55 you can access the equity that is stored in your home. This can be taken as a tax free lump sum, several smaller payments…
Get Yourself Mortgage Ready
As with all forms of credit, a mortgage lender will compare your application against certain criteria and make a decision whether to accept your application and what level of borrowing is available to you. There are a number of factors a lender will take into account when assessing your application, such as a affordability assessment,…