Flattening economic data and the mortgage market

Before I discuss the flattening economic data… I have mainly been lying in a dark room today, recovering from what is akin to PTSD after my daughter’s birthday parties yesterday… After the last few years, we thought it would be a great idea to throw a joint party for my daughters who are turning 5 […]

Tensions in the housing market

Much like the wider tension we are seeing in society more generally, there are some specific tensions in the housing market. These centre around some long-standing themes that have come sharply into focus in the last week or so. I’m slowly recovering from a rare Saturday night out – out, watching Pete Tong & The […]

Big hits in the mortgage world

We’ve seen some big hits in the mortgage world this week so here’s an update from your favourite London Mortgage Broker. Booming Numbers Last week saw some really big numbers so I felt it was worth exploring that in more detail: Average House Prices Rise 11.8% Figures from the ONS and Land Registry confirmed that the […]

Rise in interest rates expected

I have been quite flattered of late as I have been approached by several journalists and news outlets for commentary around the expected rise in interest rates. I have selected a few of the more interesting snippets below: This recent article in Bloomberg picked up a theme we have been talking about for some time, in that […]

Damp Squib Game as No BoE Rate Rise

What an anti-climax! It seems everyone was braced for a rate rise last Thursday except for the Bank of England… The very obvious reference to Netflix’s huge hit Squid Game in the subject is certainly a factor in the decision, as the very high level of debt in the UK on both personal and public […]

(G)rate expectations | Change in interest rate outlook?

This is as sexy as mortgages get! Could there be a change in the interest rate? If you can get past the rather poor play of words in the title, there was a large shift in the market last week around expectations of where the Bank of England may move interest rates to. That naturally […]

Why use a mortgage broker?

I’m often asked why use a mortgage broker when I can go online or talk to my bank? In this week’s blog, I explain why a good mortgage adviser is more than simply finding the best mortgage for you. It was very nice having a few days of late summer last week. Even more so, […]

Mortgages with smaller deposits, mortgage rates and larger loans

This week I discuss mortgages with smaller deposits, mortgage rates hitting new lows, and larger loans available from mainstream lenders. For most of us with children, this is the first full week back with a semblance of normality! For those without children, a great chance to get away without being surrounded by kids and not […]

Inflation rate and ‘best’ mortgage rates

This week the inflation rate in the UK went to 2.5%. This is extremely relevant in the mortgage world as there tends to be a direct relationship between inflation, the Bank of England base rate, and therefore the best mortgage rates on offer. So this is a good time to look at that classic relationship, […]

Can ‘best’ mortgage rates get any lower?

I, like many of you, joined the workforce in the late 90s. In that time, it is fair to say the world has changed forever. We can look back longingly at Sega Megadrive, one landline per household, an era pre-internet, and smartphones. It feels more like a new epoch than a new decade every ten […]