Mortgages
FCA: one in seven English mortgages tied to postcodes with flood risk
The regulator's analysis of public data indicates that high exposure to surface water flooding is concentrated in and around London.
Mortgages
Mortgage rates, lending, the Bank of England and the cost of borrowing.
- Mortgages
Churchbridge Capital scraps bridging loan broker fees and introduces cashback
The London broker will pass 10% of its lender procuration fee back to borrowers on standard bridging deals where it earns at least 1% commission.
- Mortgages
Mortgages of £500,000 or more rise 24% in 2025, Savills says
Savills says 62,391 loans of £500,000 or more were issued in 2025, with growth since 2021 coming from outside London and the South East.
- Mortgages
Income caps would rule out over 22% of Mojo's London first-time buyer applicants
Mojo Mortgages says more than 13% of its first-time buyer applicants across the two years of its data would fall outside the proposed Your First Home caps.
- Mortgages
PlannerPal brings AI meeting tools to mortgage advisers through Twenty7tec's ADVICE
The integration lets advisers turn recorded client meetings into notes, letters and reports, with London broker Charles Cameron among the first users.
- Mortgages
Lower earners face high borrowing under Your First Home scheme, Tembo says
Tembo's modelling of 17 English cities finds lower earners would need more than 4.5 times income in 13, despite a 2.5% deposit.
- Mortgages
Charles Curran's open letter cuts like a knife with 'the reality of today's property market'
When Charles Curran of Maskells speaks, anyone wise—or keen to advance in the property market—should sit up and listen to his thoughts and analysis on the current state of the market. Below is Charles Curran's open…
- Mortgages
House prices rose in May to 3.5% and 'mortgage approvals holding up well'
House prices in predominantly rural areas have risen by 23% over the last five years, compared to 18% in more urban areas. Robert Gardner, Nationwide’s Chief Economist, said, “Annual UK house price growth was marginally…
- Mortgages
'London to suffer UK’s worst drop in house prices', surveyors predict
London’s property market is bracing for the sharpest decline in house prices across the UK in the coming months, property agents predict, as the capital grapples with a toxic mix of economic jitters and tax hikes. The…
- Mortgages
HSBC increases buy-to-let LTV to 80%, a potential lifeline—just not for everyone
HSBC has rolled out significant updates to its domestic buy-to-let range, effective immediately, lifting loan-to-value (LTV) ratios to 80% in a move that could ease the strain for some landlords. The changes come with…
- Mortgages
First-time buyer mortgage costs ‘20% lower than rents', but you need a £50k deposit
First-time buyers with £50,000 burning a hole in their pocket could dodge a hefty chunk of cash compared to renting, according to Zoopla’s latest number-crunching. The property gurus reckon a typical mortgage for…
- Mortgages
London’s property buyers 'wait the longest to complete property sales'—is your postcode holding you back?
London homebuyers are facing a frustrating reality: they’re waiting longer than anyone else in the UK to seal the deal on their property purchases. Fresh figures from quick-buying platform OneDome paint a stark picture…
- Mortgages
Halifax slashes rates by up to 0.31%—is this your chance to save big on your mortgage?
Halifax has thrown a lifeline to borrowers, rolling out rate cuts set to take effect from tomorrow, Friday 7th March. The lender’s latest move trims selected remortgage fixed rates by up to 0.25%, while product transfer…
- Mortgages
Mortgage approvals set to climb by 13.4% in 2025, according to new research
The UK property market could see mortgage approvals reach their highest annual total since 2021, with a projected 13.4% surge in 2025, according to new research from award-winning mortgage adviser Alexander Hall. Buoyed…
- Mortgages
How to find a good mortgage broker
Learn how to find a good mortgage broker as they can simplify the process of getting a mortgage, offering tailored advice and access to deals that may not be directly available to consumers. Selecting the right mortgage…
- Mortgages
First-time buyers paying nearly 8% above asking price
Recent data reveals that first-time home buyers in the UK are paying an average of 7.8% above the asking price to secure their properties. This trend highlights the challenges faced by newcomers in a competitive housing…
- Mortgages
Bank of England's surprising interest rate decision sparks mixed signals for 2025
The Bank of England's decision to hold interest rates at 4.75% has been met with a range of reactions, particularly given the context in which it was made. While the decision itself was widely expected, the manner in…
- Mortgages
Interest rates hold amid inflationary pressures, pushing prices up
On Thursday, the Bank of England made the expected decision to hold interest rates at 4.75%, following a second consecutive monthly rise in inflation, which reached 2.6% in November 2024. This move reflects the…
- Mortgages
Mortgage statistics and trends of 2024, first-time buyers and fixed-rate preferences dominate
As the year draws to a close, Mojo Mortgages, a leading UK mortgage broker, is reflecting on the transformative changes in the mortgage market throughout 2024. Mojo Mortgages recently launched an annual initiative…
- Mortgages
Inflation surge puts 'cheaper mortgages on hold', says Bank of England
Inflation has surged to unsettling levels, throwing a wrench in the Bank of England’s attempts to control rising prices, with the dream of cheaper mortgages now looking less likely for the foreseeable future. The latest…
- Mortgages
Stamp duty changes in 2025 expected to cause volatility mortgage market, warns Nationwide
Forecasts predict a surge in transactions early in the year, followed by a slowdown due to upcoming stamp duty changes. The UK housing market demonstrated surprising resilience in 2024, despite ongoing affordability…
- Mortgages
The two most underrated ways first time buyers can save more money to buy a property, expert shares
Prospective homebuyers often feel daunted as they attempt to save enough for a house deposit, particularly amid Britain’s competitive property market. With soaring living costs, stagnant wage growth, and interest rate…
- Mortgages
Experts explain why it’s a prime time to invest in UK property for 2025
Falling interest rates, resilient demand, and global interest are setting the stage for a transformative year in UK real estate.
- Mortgages
Mortgage rates cut again – could more be coming before Christmas?
Barclays and TSB lead the way with rate reductions, sparking hopes of further cuts across the mortgage market before the year ends.
- Mortgages
I'm a mortgage expert—here's how to find the best mortgage deal
The mortgage market can be daunting, especially with fluctuating interest rates and evolving lender criteria. However, securing the most favourable mortgage deal is achievable with informed strategies. A spokesperson…
- Mortgages
14% of Brits expect near-instant decisions on loans and insurance, CRIF claims
Consumers in the UK are leading the way in Europe when it comes to expecting near-instant decisions on financial products, according to new research by CRIF , Europe's top provider of consumer and credit information. As…
- Mortgages
Katie Price's 9 bedroom Mucky Mansion 'FINALLY finds a buyer for the rundown property'
Katie Price’s 9 bedroom Mucky Mansion has finally been sold – but for a fraction of the asking price. The property , which had long been associated with the model’s personal challenges, has reportedly found a buyer for…
- Mortgages
Average UK property prices hit eye-watering record high of £298,083 in November, reports Halifax
The average UK house price rose to a new record high of £298,083 in November, according to Halifax’s latest house price index. Figures show a fifth consecutive monthly increase, with values climbing by 1.3% compared to…
- Mortgages
Nearly 30% of UK property transactions collapse due to chain issues, study reveals
A 2023 study by Zoopla has revealed that nearly 30% of property transactions in the UK fall through due to chain-related issues, causing widespread frustration and financial loss for sellers. The findings highlight…
- Mortgages
Savills recent research warns that London could be hit by non-dom tax rules
Savills' research chief says price rises in prime markets in London are forecast to be below the growth rate of posh homes in outer London and the regions.
