Why Speaking to Dave Cockle Could Be the Difference Between Getting a Mortgage… or Not (And no it’s not just his good looks) When you’re self-employed or have a complex income setup, applying for a mortgage can feel like trying to solve a Rubik’s cube in the dark. That’s where someone like Dave Cockle, our…
The Trade War Tug-of-War: What It Means for Your Mortgage Rate If you’ve been keeping an eye on the headlines lately, you may have noticed a growing buzz around the term “trade war.” But what does this global game of economic tug-of-war mean for you — especially if you’re planning to buy a home, remortgage,…
What’s Happening with Mortgage Rates Right Now – And Where Are They Heading? As we move through 2025, the UK mortgage market is undergoing significant changes, with interest rates fluctuating in response to economic shifts. If you’re looking to buy a home, remortgage, or simply keep an eye on the market, here’s what you need…
Should You Buy a Home in 2025? Mortgage Trends, Stamp Duty & Market Insights The mortgage market is constantly evolving, and as we move through 2025, prospective homebuyers, property investors, and brokers alike are navigating a landscape shaped by economic shifts, regulatory changes, and fluctuating interest rates. Here’s what’s happening in the mortgage world right…
2025 Property Market Predictions: Insights for Buyers and Sellers As we step into 2025, the UK property market continues to be shaped by a mix of economic factors, regional trends, and government policies. For buyers and sellers, staying ahead of these changes can make a big difference in achieving your property goals. Here’s a broker’s…
The announcement of the new stamp duty cut aims to increase growth in the housing market and help many first-time buyers get on the property ladder. What happened to the first Stamp Duty cut? In 2020, former Chancellor, Rishi Sunak, introduced a stamp duty holiday to soften the blow to the property market from the…
Michael Gove has recently announced new rules from April 2023; which are designed to prevent second home tax abuse by some owners in England. Please note that different rules apply in the other UK countries. Currently second homeowners can avoid paying Council Tax on their property; and access small business rate relief instead by simply…
House prices in UK cities now average eight times local annual earnings, as price growth continues to outstrip wage rises. New research by Halifax found that houses cost anything from five times your yearly salary to 14 times, depending on which city you live in. So, where is the most and least affordable cities to…
An astonishing 57% of homeowners have expressed an interest in releasing equity from their property in later life. Broken down by age, this statistic increases to 74% for homeowners aged 30 to 39. Meanwhile 47% of homeowners in the 60 to 69 years old age bracket are interested in accessing money from the value of…
Is there ever a perfect time to get a mortgage? Ultimately, none of us really want a mortgage; we’d all rather buy a property outright. However, sadly for the vast majority of us, this isn’t possible. However, if you are considering applying for a mortgage, or are thinking of remortgaging; now could be the ideal…
