Could Higher Income Multiples Help You Move Sooner in 2026? One of the biggest frustrations we hear from clients is this: “We can afford the monthly payments, but we can’t quite borrow enough.” For many homeowners, especially those looking to move to a larger property, affordability isn’t always the issue. Instead, it’s the maximum borrowing […]

Why More People Are Moving Again in 2026 – And Who Do You Know That Might Need Help? Over the last couple of years, the UK property market has had its fair share of ups and downs. Between changing mortgage rates, global uncertainty, and constant media headlines, many people chose to pause their plans and

Why the Global Economy Is Impacting Mortgage Rates – And What That Means for You If you’ve been following the news recently, you’ll have seen plenty of stories about inflation, interest rates, and uncertainty in the global economy. It can all feel quite removed from day-to-day life, but the reality is this: What’s happening globally

Mortgage Approvals Are Rising – What Does This Mean for Buyers? There’s been a lot of mixed messaging around the property market recently. One minute the headlines are full of caution, the next they suggest things are starting to pick up again. But one of the more encouraging signs we’ve seen in recent months is

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