Please note that this is an opinion piece and is purely hypothetical, exploring what could happen. Not what will necessarily happen. This week, several economists suggested that we could see a 6% base rate from the Bank of England within the next 12 months. Despite...

There have been some recent changes to Barclays mortgage policy announced today, that everyone needs to be aware of. Barclays, like many other lenders of late, have been making major changes to their mortgage affordability and their interest rates. Unfortunately for...

In a message to brokers this morning, Skipton Building Society have announced that they will be removing their 60% loan to value (60% mortgage) residential base rate tracker products from their lending offerings. They have also announced a complete refresh of their...

It is no secret that being a first time buyer and achieving home ownership in the UK is more difficult than it once was. In the past property prices were cheaper, mortgage lenders were more generous with their affordability checks, and 100% mortgages were commonplace...

Despite only being six months into 2023, the mortgage market has certainly gone through enough changes and instability for a lifetime! Rates have increased, lenders have pulled rates and made changes to their affordability criteria to make borrowing more difficult....

This morning NatWest Bank have announced that they will be making some major new changes to their Buy to Let stress tests. Meaning that it will become more difficult for Buy to Let landlords to get the level of lending that they need in order to finance their...

In a very surprising move, TSB lower mortgage rates across their residential, buy-to-let and product transfer product offerings. This means that both new borrowers and existing TSB loan owners can get a lower rate with the Edinburgh based lender through specialist...

Nationwide Building Society have announced that from the 9th of June 2023, they will be increasing the Nationwide maximum loan to value for non new build flats and apartments. What does this mean exactly? The loan to value of a property is the percentage of a property...

Today, both Nationwide Building Society and Bank of Ireland have announced new mortgage rates and products after withdrawing several existing products in the last week. The new products for Bank of Ireland are specifically for their buy-to-let mortgage offerings...

Is the UK housing market improving? There is a lot of conflicting information in the news at the moment about the state of property purchase and sale in the UK. Some people are reporting that property prices are dropping rapidly due to a lack of appetite caused by the...

The average age of a first time buyer is going up. I'm sure that is no surprise to anyone. Most people reading this article probably have stories of how their grandparents and parents bought their first house at the age of 20 for a couple of thousand pounds and will...

80% buy-to-let mortgages from TMW are back. Yes, you read that correctly. TMW, the buy-to-let arm of Nationwide Building Society have announced the re-introduction of 80% LTV buy-to-let loans to their product offerings, as well as several other positive changes to...