Introduction As 2023 draws to a close, it’s an opportune moment to reflect on the dynamic and ever-evolving landscape of the UK mortgage industry. The past 12 months have seen significant developments, driven by economic changes, regulatory adjustments, and consumer behaviour shifts. This review delves into the key trends and events that have shaped the […]
buy to let
Coming to the end of fixed rate
If you are coming to the end of your fixed-rate mortgage, it’s natural to consider what financial avenues are open to you, particularly in a period where interest rates have surged from their historic lows. The current economic environment, with its cost-of-living challenges and soaring inflation, only adds to the decision’s complexity. Delving into Interest-Only […]
Buy to let as a Landlord
As a landlord considering Buy to Let (BTL) mortgages, the prospect of climbing mortgage rates might seem daunting, potentially nibbling away at your profits. Yet, this complex journey can be simplified and optimised with the advice of a mortgage adviser who can help tailor a BTL mortgage that aligns with your unique circumstances. Grasping the […]
UK Mortgages: Comparing Interest-Only, Fixed-Rate, and Repayment Options
Choosing the right mortgage is a crucial decision that impacts your financial well-being for years to come. Homeowners have a variety of mortgage types to consider, each with its features and benefits. This blog delves into three popular types of UK mortgages: interest-only, fixed-rate, and repayment mortgages. By understanding the characteristics of each, you can […]
Should I remortgage when my fixed rate ends
Barring exceptional circumstances, you should definitely aim to have a mortgage in place for when your fixed rate ends. More specifically, you should aim to have the most suitable deal available to you in place for when your fixed rate ends. This may be another fixed-rate deal but it might also mean switching to a […]
Are You Backing Buy-To-Let?
The end of a calendar year is often a time to reflect on the old year and make plans for the new. It has particular relevance in finance because the start of a new calendar year means the end of a financial year. This can have major implications for tax and hence financial planning in […]