The most sensitive topic on the lips of current and potential mortgage borrowers in the UK at the moment is mortgage rate hikes. The news is full of horror stories of how rates have shot up over the last few months, leaving thousands of borrowers worse off on their...

In the week leading up to and in the immediate aftermath of the Bank of England's latest base rate rise, the UK mortgage market unfortunately saw more mortgage rate rises that mortgage rate reductions. On the 11th of May the UK's central bank the Bank of England...

As property prices have become more expensive and the ability to save larger deposits has become more and more difficult, an increasing demand for higher loan to value mortgages has been seen across the mortgage market. The dissolution of the Help to Buy scheme this...

As predicted by most people, the Bank of England has announced that they will be increasing the base rate again. This time by 0.25%. The new Bank of England Base Rate of 4.5% is a whopping 3.5% increase on the 1% level that it was in May 2022 and a 15-year high. What...

Accord mortgages have announced that they will be making it easier for people to borrow more than 4.49X their income as a mortgage. The standard borrowing amount for most people looking to get a residential mortgage is between 4X and 4.5X income, with lenders offering...

As the tight grip of the UK's current economic crisis takes hold, millions are starting to notice that their money isn't getting them as far as it once did. The price of energy bills has increased significantly, costing homeowners and renters thousands more per year....

Buy-to-let affordability assessment stress tests and calculations have got extremely strict in comparison to where they were last year. Lenders have had to restrict their generosity with affordability assessments and increase their requirements at affordability stage...

Building society Skipton have sensationally announced that they are launching a new 100% mortgage product, that means that potential borrowers can get a mortgage for 100% of the value of a property, without having to contribute any deposit themselves! This is a very...

Data released recently by the Bank of England has shown that mortgage approval rate in the UK has jumped significantly in the period from March to April 2023. A good sign that stability will return to the property market, if it hasn't already. The Bank of England, the...

Landlords have it easy, right? Buy a house, rent it out to someone, collect the money and sit back on your golden throne. Well that simply isn't true at all. And for 99% of people with rental properties, keeping a profitable rental property has become extremely...

The Bank of England's next monetary policy committee meeting is scheduled to take place on the 11th of May however, it seems that lots of lenders are already jumping the gun and introducing mortgage rate rises across their product offerings. Some lenders are also...

The housing market in the UK, especially places like London and the Southwest has always given off the impression of being very strong. Idyllic city based property and beautiful rural home bases seem to get snapped up for above average asking prices, and people are...