Prospect Tree Mortgages

Should You Fix Your Mortgage for 2 Years or 5 Years in 2026? One of the most common questions we’re hearing now is: “Should I fix my mortgage for 2 years or 5 years?” And the honest answer is, it depends on your plans, not just the headline rate. With so many products now available […]

Mortgage Rates Are Not All Doom and Gloom If you’ve watched the news recently, you’d be forgiven for thinking the mortgage market is in complete chaos. Once again, headlines have been full of doom and gloom, talking about rising rates, a slowing housing market, and concerns around affordability. The general message often seems to be

How Much Deposit Do You Really Need to Buy a House in 2026? One of the biggest misconceptions when it comes to buying a home is how much deposit you actually need. We regularly speak to clients who believe they need a 10% or even 20% deposit before they can consider buying. In reality, this

What Actually Stops People Getting a Mortgage? Many people assume that getting a mortgage is simply a case of having a job and a deposit. In reality, lenders assess a number of different factors before approving an application. At Prospect Tree Mortgages we often speak to clients who believe they won’t be able to get

Saving for a deposit has long been one of the biggest hurdles facing first-time buyers in the UK. In fact, many prospective buyers say that raising a deposit is the single biggest barrier preventing them from getting onto the property ladder. In recent months, however, we’ve started to see some lenders introduce products designed to

I’m on a low fixed rate, should I be doing anything yet? Over the past few years, many homeowners secured extremely low fixed rate mortgages, often between 1% and 2%. If you are one of them, it is completely understandable that reviewing your mortgage may not feel urgent right now. However, one of the most

Mortgage lending is becoming more flexible in 2026, and what it means for you Over the past couple of years, many borrowers have felt restricted by affordability, rising living costs and uncertainty around interest rates. Some assumed they could not move, remortgage or borrow more, while others delayed plans altogether. However, behind the scenes, mortgage

Supporting excellence, celebrating leadership, Daniel Bell-Drummond’s testimonial year begins At Prospect Tree Mortgages, supporting individuals who demonstrate commitment, professionalism and consistency is incredibly important to us. That is why we are proud to sponsor Daniel Bell‑Drummond, and even prouder to attend the launch of his testimonial year last week. It was a fantastic day, marking

Self-employed and think you can’t get a mortgage? It’s time to challenge that assumption One of the most common things we hear from new clients is: “I’m self-employed, so I’ve always assumed getting a mortgage would be really difficult, or impossible without a huge deposit.” In reality, many self-employed people can get a mortgage, including

Is the cost of moving holding you back? Renovating your current home could be the answer For many homeowners, the idea of moving house feels increasingly out of reach. Stamp duty, legal fees, estate agent costs, removal expenses, and higher mortgage rates can quickly add up, turning what should be an exciting step into a