Mortgage
Should You Overpay Your Mortgage in 2025, Or Invest the Difference?
Got some extra cash burning a hole in your budget? You could overpay the mortgage. That’s the “sensible” move, right? But in 2025, with interest rates still elevated and investment returns quietly making a comeback, throwing every spare pound at your loan might not be the smartest use of your money. Let’s unpack why overpaying […]
Posted in Mortgage
Fixed or Tracker? Choosing the Right Mortgage in a Shifting Rate Environment
Which Mortgage Fits You Best? Let’s Break It Down Fixed rate or tracker, fixed rate or tracker, fixed rate or tracker? Is that what your brain sounds like right now? It really can feel like trying to make an impossible decision, especially when rates are still shifting around and advice seems to change every second. […]
Posted in Financial Planning, Mortgage
Mid-Year Housing Market Snapshot: What Buyers Need to Know Now
Midway through 2025, the UK housing market is finally showing some signs of life. After quite a subdued 2024, new figures suggest pretty modest price rises, improved mortgage availability, and a slight shift in buyer sentiment. It isn’t quite a boom, but for those who are watching and waiting, the question is whether now marks […]
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How to Secure a Mortgage as a Self-Employed Professional
Being self-employed comes with many perks – flexibility, independence, and control over your career. However, when it comes to getting a mortgage, it can feel like the odds are stacked against you. Unlike salaried employees with a stable income, self-employed individuals must jump through a few extra hoops to prove their financial reliability to lenders. […]
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What Labour’s Mortgage Guarantee Scheme Extension Could Mean For First-Time Buyers
Getting onto the property ladder may feel like a pipe dream to many young people, with house prices and mortgage rates skyrocketing in recent years. It’s also difficult to save for a deposit with living costs increasing and high inflation, but the Mortgage Guarantee Scheme could be a game changer in 2025. Originally introduced in […]
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Six 2025 House Price Predictions and What They Mean for You
2024 was a pretty quiet year for the property market and while mortgage rates dropped, it wasn’t as substantial as many people hoped. This meant that there wasn’t quite the housing boom some experts predicted and house prices remained stagnant, relatively speaking. In this article, we’ll explore some of the biggest predictions for house prices […]
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A First-Time Buyer’s Guide to Help-to-Buy Schemes in 2025
Buying your first home can be difficult, but there’s help available for those looking to get onto the property ladder. This article will explore five of the best help-to-buy schemes available to first-time buyers in the UK, providing various options for people purchasing their first property in 2025. Shared Ownership Scheme This scheme is […]
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How Low Can You Go – Mortgage Rate Predictions for The Next Five Years
Interest rates have been decreasing in the second half of 2024 which is great news for buyers. In this article, we’ll explore what the next five years hold for mortgage rates, examining how they might behave and what this means buyers, investors, and sellers. 2025 housing market predictions The UK has seen a steady […]
Posted in Investments, Mortgage
Stick or Twist – Should I Fix My Mortgage or Wait for Better Rates?
Interest rates have finally fallen, and mortgage rates are beginning to fall as a result. However, is it wise to wait for better deals in the future, or should you take advantage of lower rates now and fix your mortgage ASAP? This article will answer these questions and more so you can fully understand what […]
Posted in Mortgage
When and Why to Remortgage
Your mortgage is probably your largest monthly expense and while it’s financially prudent to own a property, you should ensure your deal is the best it can be. In this article, we’ll explain the fine art of the remortgage. Helping you understand when and why to explore your options, we’ll enable you to reduce your […]
Posted in Mortgage