September 2025

Small Steps That Make a Big Difference Before Remortgaging For many households across the UK, remortgaging has become one of the most important financial decisions of the year. With thousands of fixed-rate deals due to expire in 2025, homeowners face the prospect of moving onto their lender’s Standard Variable Rate (SVR)—often much higher than the […]

Mortgage Affordability Improves as Lender Stress Tests Shift In recent months, mortgage affordability has quietly improved for many borrowers. Why? Because lenders are easing some of the stricter “stress tests” that have, until now, prevented certain applicants from securing the mortgage they wanted. For anyone who has struggled to pass affordability checks in recent years,

Low Deposit Mortgages: What You Need to Know in 2025 For many aspiring homeowners, the biggest hurdle isn’t passing affordability checks or finding the right property – it’s pulling together a large enough deposit. In today’s market, where house prices remain high and saving is challenging, the idea of buying with just a 1% or

Mortgage Affordability in 2025: Finding the Right Balance Affordability is back in the spotlight. According to recent figures, first-time buyers are now spending around 35% of their take-home pay on mortgage repayments. That’s above the long-term average of 30% and a clear signal of how today’s market is testing household budgets. At the same time,

Is It Time to Review Your Fixed Rate Mortgage? Why Switching Early Could Save You Money Over the last 18 months, we’ve seen mortgage rates climb sharply and then begin to settle. For many homeowners, this has created a real challenge: locking into a deal at the “wrong time” and now feeling stuck paying more