In a very interesting move this week, one of the UK's big six mortgage lenders has narrowly undercut one of their major competitors to offer the current lowest mortgage rate on the mainstream market. A new NatWest mortgage rate of 3.77% has been released this week,...
Is it possible to get a 5.5X income mortgage? That is a very common question that I am hearing more and more. Mainly because borrowing money is becoming more difficult. When I first started working in mortgages and property, there were plenty of purchase schemes...
HSBC mortgage rates have truly smashed their competition to smithereens by introducing a product with an interest rate as low as 3.81%. Although not currently the absolute lowest rate on the market, HSBC has beaten many other high street banks so far in the rate war...
Getting a mortgage as a self employed person can sometimes be tricky. As specialist self employed mortgage advisors, we know this too well. Whether you have a small freelance business or are the head of a large company, every self employed person has to file their tax...
This week has been another week filled with mortgage rate drops as lenders battle it out to gain new mortgage customers after shooting themselves in the foot with ridiculously high increases at the end of 2022. The most exciting news this week is definitely the...
Historically being a buy-to-let landlord has always been a lucrative game to be in. If you find yourself in the fortunate position to be able to either purchase a property for purely rental purposes, or own a property that you are able to turn into a rental home, then...
Before 'Goblin Mode' was announced as Oxford Dictionary's word of the year, I would have predicted that 'Base Rate' would be a strong contender to take the crown in 2022/23! As a phrase that has dominated the British papers over the last 12 months, it is very...
Whenever the topic of mortgage affordability comes up, most people will tell you that you can borrow around 4.5X your income as a mortgage. That is the general industry standard and has been for a number of years as a means of limiting lender liability and the risk of...
When looking to get a mortgage or remortgage quote, chances are that Bank of Ireland mortgage rates are probably not your first thought! Despite being THE Bank of Ireland, most people would think of the likes of Halifax, NatWest, Nationwide, Santander before BOI....
In a message to all mortgage brokers, Halifax Bank have announced some exciting new mortgage affordability changes. Halifax have recently, like most other lenders, tightened their purse strings as a result of both the covid-19 pandemic and also the economic crisis. In...
As a direct result of the UK's current cost of living crisis and mortgage interest rates increasing at the end of 2022, the interest in purchasing property has undoubtedly dwindled in recent months. People are finding it more difficult to save money for deposits,...
When we say we have good weight in the market, we mean it. There are thousands of mortgage advisors across the country, all competing for business and claiming that they are the best in the business. So why do we make this claim, and why should you believe us? The...
In this brief mortgage rate watch article, we will be taking a look at some recent updates and communications coming from mortgage lenders this week. The first week and a bit of February 2023 has been an interesting one to watch as a mortgage broker and as potential...
Despite recent economic struggles in the UK, most down to government mismanagement of taxes at the end of 2022, the UK is still a great place to own property. Especially property in high net-worth areas such as London and the South-East. In London, properties have...
In a world where we are all encouraged to be more environmentally friendly, we are constantly looking at ways of reducing our carbon footprint and preserve the world for future generations. One of the major ways that people are looking at doing this, is by making...
If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.
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