-
UK Mortgage News July 2025: Falling Rates & Rule Changes
Mortgage rates are dropping and rules are easing for first-time buyers. Here’s why brokers are key in 2025’s remortgage crunch. Mortgage Rates Are Falling Competition between lenders is driving rates down. Two- and five-year fixed rates now average around 5.08% – the lowest since late 2022 – with some lenders offering deals under 4%. 💡…
-
Taking the First Step: You’re Not Alone in Managing Debt
Debt can feel overwhelming. For many, it’s a topic that brings up feelings of stress, shame, or fear. If you’ve been avoiding looking at your financial situation or have let unopened bills pile up, know this: you’re not alone, and help is closer than you think. Life happens. Unexpected expenses, job loss, or simply trying…
-
Get Your Home Ready to Sell
As the New Year approaches, many of us start to consider next steps and new opportunities. If you’re thinking of selling your home in 2025 now is the perfect time to start preparing. Today’s blog looks at how you can get your home ready to make a great impression on potential buyers. 1. Declutter and…
-
A Year In Review
As 2024 draws to a close, we take a look at the key trends shaping the UK mortgage market. This year brought challenges for homebuyers and homeowners alike but also signs of resilience. Rising Interest Rates The Bank of England’s base rate reached 5.25% by mid-year, pushing mortgage rates higher, with fixed deals averaging around…
-
The Hidden Costs of Moving
Moving house is an exciting step, whether you’re upgrading to a bigger home or relocating for work. But while you may have factored in the big-ticket items like the deposit or mortgage, the true cost of moving often hides in the small print. If you’re planning a move in the UK, here’s a breakdown of…
-
What The Budget Means for you
The Chancellor Rachel Reeve’s 2024 Autumn Budget was delivered yesterday after much anticipation and speculation. She announced a range of measures aimed at bolstering the UK property market, addressing housing shortages, and dealing with affordability issues for different types of buyers and homeowners. Whether you’re a first-time buyer, home mover, landlord, or current homeowner, here’s…
-
Help is on hand for first time buyers!
Buying your first home can seem overwhelming, but there are several UK schemes designed to help first-time buyers achieve homeownership. In today’s blog, we look at what options are available to help you get on the ladder. 1. Shared Ownership: Buy a Share, Pay Rent on the Rest Shared Ownership allows you to buy a…
-
Unlock extra capital & fund your dreams
Are you dreaming of home renovations, planning a dream wedding, or funding an education but lack the funds to make it happen? A second charge mortgage might be the perfect solution. This financial option allows homeowners to leverage the equity in their property to access extra funds without remortgaging. Today’s blog looks into how a…
-
Think a credit blip will stop you getting a mortgage? Wrong!
Worried that a credit blip or missed payment will prevent you from getting a mortgage? You don’t need perfect credit to secure a competitive mortgage rate. Specialist lenders now offer more flexible options, helping borrowers with less-than-perfect credit histories qualify for better deals. News dropped this week about recent rate cuts that are making these…
-
First time buyers – don’t be fooled by auctions!
Auction properties can be tempting, but they often come with hidden risks.
property
Archive
Categorise
Recent Posts
Tags
affordability auctions bad credit base rate bee financial broker budget checkmyfile christmas credit credit report credit score events financeadvice firsttimebuyer Fixed rate mortgage governmentscheme how to start a pension self-employed insurance lending money matters mortgageadvice mortgagebroker mortgage market mortgage news mortgagenews mortgages musical pension for self-employed people private medical insurance product transfer property protection Rate remortgage second charge self-employed financial planning UK self-employed mortgage and pension advice self-employed pension UK springbudget stage show SVRs team outing Variable Rate wicked