Boosting Your Retirement Income with a Lifetime Mortgage Retirement is meant to be a time of freedom. A chance to enjoy the things you’ve worked hard for—time with family, travel, hobbies, and a slower pace of life. But for many people, the reality of retirement is very different. Rising living costs, longer life expectancy, and […]

Mortgage Reforms 2025: What Rachel Reeves’ New Changes Mean for Homebuyers There’s been a lot of buzz recently around the government’s plans to make mortgages more accessible—especially for first-time buyers and those with modest incomes. In a major speech this week, Chancellor Rachel Reeves announced a range of reforms designed to improve access to mortgages

Staying in Your Home: How a Lifetime Mortgage Can Help Repay an Interest-Only Mortgage For many homeowners, especially those who took out interest-only mortgages in the late ’90s or early 2000s, the end of the mortgage term is fast approaching—and with it, a tough question: “How am I going to repay the balance and stay

Using a Lifetime Mortgage to Improve Your Home for Health and Accessibility Needs As we get older, our homes — once perfectly suited to our lifestyle — can begin to feel less practical. Whether it’s navigating stairs, using the bathroom safely, or accessing different parts of the property, health concerns can make day-to-day life more

Is a Lifetime Mortgage Right for You? Real-Life Reasons People Are Unlocking the Value of Their Homes At Prospect Tree Mortgages, we often speak to clients who are pleasantly surprised to learn just how flexible and helpful a lifetime mortgage can be. While it’s not suitable for everyone, it can be a valuable tool for

Why Renting in 2025 Could Be Costing You More Than Buying a Home With UK rent prices rising faster than mortgage repayments, it may be cheaper to buy than rent in 2025. Find out how Prospect Tree Mortgages can help you make the switch. For many people across the UK, renting has long been seen

A Promising Outlook: Mortgage Rates Drop Below 4% as Market Confidence Grows UK mortgage rates are now starting to fall below 4%, offering fresh opportunities for buyers and homeowners. Find out what this means for you and how Prospect Tree Mortgages can help. After a challenging couple of years in the mortgage market, there’s finally

Ian Butt Wins Advisor of the Year at VouchedFor Awards 2025! A huge congratulations to Ian Butt of Prospect Tree Mortgages, crowned Advisor of the Year at the VouchedFor Awards 2025. Discover what this means for our clients and why you’re in expert hands. We’re absolutely thrilled to share some fantastic news — Ian Butt

Enhance Your Home’s Energy Efficiency In collaboration with SGS Energy At Prospect Tree Mortgages, we know that homeownership is about more than just securing the right mortgage; it’s about creating a comfortable, sustainable, and cost-effective living space. That’s why we are thrilled to collaborate with SGS Energy, a leading provider of renewable energy solutions in

Bank of England Cuts Base Rate to 4.25% Good news for homeowners and buyers—the Bank of England has lowered the base rate to 4.25%, down from 4.5%. This is the first rate cut since February and could bring welcome relief to mortgage borrowers. What This Means for Borrowers With the base rate now at 4.25%,