Mortgages

Oct 20, 2026

First-Time Buyers Hit as Mortgages Outpace Rent for Majority

Hamptons data shows 56% of first-time buyers now pay more on their mortgage than they did in rent, the highest share in a decade.

Oct 20, 2026

Mortgage Deals Vanish in Days as Lenders Chase Volatile Rates

Mortgage products now last just 13 days on average, the shortest shelf-life on record, as swap rate volatility forces lenders into constant repricing.

Oct 19, 2026

Majority of First-Time Buyers Now Pay More Than They Rented

Hamptons research shows 56% of first-time buyers face higher mortgage costs than rent, as rates breach 6% for the first time in three years.

Oct 19, 2026

Rightmove: Mortgage Rates Now Visibly Reshaping Housing Market

Rightmove says the UK housing market is showing clear signs of mortgage rate pressure, with implications for buyers, landlords and developers alike.

Oct 15, 2026

Budget Uncertainty Rattles Mortgage Rates, But Contractors Can Still Win

As lenders reprice ahead of the Budget, contractors and self-employed buyers who plan carefully can still secure competitive mortgage deals.

Oct 14, 2026

Two-Year Fixed Mortgage Rates Edge Towards 6% Barrier

Moneyfacts data shows average two-year fixed rates have jumped to 5.97% in a month, squeezing landlords, buyers and remortgagers alike.

Oct 13, 2026

Nearly Half of UK Mortgages Now High Loan-to-Income Deals

FCA and Bank of England data show high loan-to-income lending has surged to 46% of advances, reigniting affordability fears across the mortgage market.

Oct 10, 2026

Shawbrook Trims BTL Rates as Foundation Exits 90% LTV Market

Two specialist lenders move in opposite directions, signalling a widening split in buy-to-let pricing and risk appetite.

Oct 10, 2026

Why Higher Interest Rates Are Set to Cool the UK Property Market

Higher borrowing costs are expected to weigh on UK property, reshaping strategies for landlords, buyers and developers alike.

Oct 09, 2026

170 Brokers Queue to Join Self-Employed Model at Top Agency

A leading agency's self-employed broker scheme draws 170 applicants, signalling a structural shift in how UK mortgage advice is delivered.

Oct 09, 2026

Mortgage Pain Deepens: UK Housing Market Buckles Under Rate Pressure

Buyers are being squeezed by punishing mortgage costs, and the knock-on effects will ripple through every corner of the UK property market.

Oct 08, 2026

Why First-Time Buyers Must Look Past Headline Mortgage Rates

Affordability, not the advertised rate, is what actually determines whether a first-time buyer can secure and sustain a mortgage.

Oct 08, 2026

Mortgage Rate Pressure Puts UK Housing Market Back in the Spotlight

The Financial Times reports higher mortgage rates are inflicting 'pain' on the UK housing market, with ripple effects across every corner of the sector.

Oct 06, 2026

Jersey's Credit Card Rejections Signal Wider Lending Caution

A watchdog's finding that banks still refuse credit cards despite reform rules raises questions for anyone relying on consumer credit to support property plans.

Oct 05, 2026

Five-Year Fixed Mortgage Rates Breach 6% as Bond Market Turmoil Bites

Moneyfacts data shows five-year fixes at a three-year high, squeezing landlords and buyers just as the market was finding its feet.

Oct 05, 2026

Specialist Lender Steps In Where Mainstream Banks Won't for £865k BTL

A declined first-time landlord application highlights how specialist lenders are filling gaps mainstream banks leave in London's buy-to-let market.

Oct 05, 2026

Five-Year Fixed Mortgage Rates Breach 6% as Lender Costs Climb

Average five-year fixed mortgage rates have hit 6% for the first time in three years, squeezing landlords, buyers and developers alike.

Oct 05, 2026

Salary Secrecy Culture Collides With Mortgage Transparency Demands

As debate grows over whether workers should disclose pay, property buyers face the opposite reality: lenders demand total income transparency.

Oct 03, 2026

Why November 5 Looms Large for Mortgage Rates and House Prices

The Bank of England's next rate decision falls on November 5 — and property markets are watching closely for signs of relief.

Oct 01, 2026

Gilt Yields at 1998 Highs: What It Means for Property Finance

UK borrowing costs have climbed to levels unseen since 1998 — here's what that signals for mortgages, landlords and developers.

Sep 30, 2026

Mortgage Demand Hits 32-Month Low as Middle East Tensions Bite

UK borrowing costs are climbing as the Iran conflict rattles markets, and mortgage demand has fallen to its lowest level in nearly three years.

Sep 28, 2026

The £17,000 Deposit Hurdle: How First-Time Buyers Are Being Told to Save

New guidance puts a figure on the deposit challenge facing first-time buyers — and the answer reveals as much about the market as the saving.

Sep 26, 2026

Overpay or Save? The Mortgage Dilemma as Rate Uncertainty Persists

With interest rate direction still unclear, UK borrowers face a pivotal choice between overpaying mortgages and building cash reserves.

Sep 24, 2026

Big-Name Agent Move Signals Shift to Self-Employed Broker Models

A high-profile agent's switch to a 100-strong self-employed brokerage exposes how UK property advice is being restructured.

Sep 21, 2026

£5m+ Mortgages Surge as Wealthy Buyers Choose Debt Over Cash

Ultra-prime borrowing hit 333 loans worth £3bn last year, with London capturing 88% — a signal shift in how the world's rich buy British property.

Sep 19, 2026

The £6,000 Deposit: What One Buyer's Flat Purchase Reveals About FTB Market

A single buyer's one-bedroom flat purchase with just £6,000 down exposes how low-deposit schemes are reshaping who can compete in the UK housing market.

Sep 18, 2026

Rate Hold at 4.25%: Why Landlords Shouldn't Expect Cuts Yet

The Bank of England's decision to hold Base Rate offers borrowers breathing space, but the path to cheaper mortgages remains longer than many hoped.

Sep 18, 2026

Zero-Deposit Mortgages Return: What the 2008-Level Surge Means for Buyers

Low-deposit lending has hit its highest share since the financial crisis — a signal that affordability pressures are reshaping how Britain buys homes.

Sep 17, 2026

BoE Holds Rate at 3.75%: Mortgage Market Gets Breathing Room

Rates held steady amid inflation fears — but the reprieve for landlords and buyers may be temporary as energy costs bite.

Sep 16, 2026

US Bond Yield Surge Sends Warning Signal to UK Mortgage Markets

Rising US Treasury yields are pushing global borrowing costs higher — and UK landlords and buyers should take note.

Sep 12, 2026

Why Younger Landlords Are Forcing Brokers to Rethink Buy-to-Let

A new generation of tech-savvy, portfolio-minded landlords is upending traditional mortgage advice—and reshaping where and how Britain invests in rental property.

Sep 11, 2026

Gulf Capital Gets a Mortgage: London's New Lending Frontier

UK lenders are finally underwriting Gulf buyers directly, reshaping prime London demand and offering a blueprint other regional markets may soon copy.

Sep 11, 2026

Mortgage Rate Pressure Keeps UK House Prices in a Holding Pattern

Rising mortgage costs are squeezing affordability again, leaving buyers cautious and sellers exposed across regional markets.