by Linsy Brito | J, Apr, 2026 | mortgages
Buying your first home has become increasingly challenging. Deposits are harder to save for, borrowing power hasn’t always kept pace with property prices and affordability rules can feel restrictive. The FCA review recognises this and is exploring rule changes in...
by Brian Downton | J, Mar, 2026 | mortgages
Interest-only and part-and-part mortgages have historically been approached cautiously due to repayment concerns. While that caution was understandable after the financial crisis, it has also limited flexibility for borrowers who could manage these products...
by Brian Downton | J, Mar, 2026 | blog, mortgages
If your mortgage deal is coming to an end, you’re not alone. Thousands of homeowners are fast approaching the end of their fixed terms, and for many, that brings a crucial question: is now the right time to remortgage? With interest rates rising sharply over the last...
by Brian Downton | J, Mar, 2026 | blog, mortgages
After a period of rising interest rates and higher monthly costs, there are signs the mortgage market is beginning to settle. For some homeowners, that could mean welcome news. Your monthly payments may actually go down when your fixed rate ends and you explore new,...
by Brian Downton | J, Feb, 2026 | blog, mortgages
According to the Bank of England, 3.6 million mortgages are set to be renegotiated over the next three years, amounting to 41% of all outstanding home loans. If you are one of those set to review your options, it’s likely you’ll have plenty of questions and may not...
by Brian Downton | J, Feb, 2026 | blog, mortgages
At first glance, things like coffee and chocolate might not seem to have much to do with mortgages. But as you might have noticed, both have become noticeably more expensive in recent months. Don’t worry, this isn’t another lecture about skipping your morning latte or...
by Brian Downton | J, Jan, 2026 | blog, mortgages
The mortgage market is shifting. Following several cuts to the Bank of England base rate – including a 0.25% cut to 4% in August – tracker mortgages are once again on the radar for borrowers remortgaging in 2025. These rate moves make trackers more...
by Brian Downton | J, Jan, 2026 | blog, mortgages
Buying a new home is a huge milestone and securing a mortgage can be stressful enough on its own. Life can also get in the way, throwing you curveballs and new challenges to overcome. Finding your dream property or looking at a remortgage is the first step in what can...
