By Sam Kirtikar, CEO, The Mortgage Broker. All data taken from The Mortgage Broker’s mortgage applications since May 1st 2025. Through our work with thousands of borrowers each year, we see changes in the market as they emerge. In spring and summer 2025, we observed a measured shift in how customers balance loan-to-value (LTV), initial … Continue reading “How borrowers are balancing LTV, rates and terms in 2025, and what it means for you”

The Mortgage Broker team gathered at Wyboston Lakes, our head office and training centre, for this year’s Sales Conference. In a challenging market that our customers live in, it is our responsibility to stay informed and proactive.  The day focused on reflection, collaboration and continual improvement. With our Mortgage & Protection Advisers from across the … Continue reading “The Mortgage Broker Sales Conference – Autumn 2025”

Klarna is a Buy Now, Pay Later (BNPL) service. It lets you split purchases into short-term instalments, sometimes interest free. BNPL uses may be reported to credit agencies and will show on your bank statements, so lenders can treat the instalments like regular monthly costs. Buy Now Pay Later  services, like Klarna are common, especially … Continue reading “Does Klarna affect your mortgage application in the UK”

A broker works for you, not the lender, which helps you secure the most suitable and competitive rate available, searching the entire market, not just one lender’s products. TMB is an independent mortgage broker. Remortgaging can save you thousands, but finding the right deal alone can be overwhelming. Here is why using a qualified remortgage broker gives you … Continue reading “Why Use an Independent Mortgage Broker to Remortgage”

Executive summary New build lending has moved fast in 2025 with several lenders having nudged up LTVs, loosened parts of affordability and new schemes being launch, especially for energy efficient homes. Challenges still remain though, with first time buyers still facing uneven pricing by region and tight affordability criteria. However, this mix creates real opportunity … Continue reading “New Build Mortgage 2025: A 5-Minute Q&A with TMB’s New Build Leader”

Modern Method of Auction: Harrison Andrews Explains and Answers Quick Questions Summary: What is Modern Method of Auction: The Modern Method of Auction (MMoA) is a mostly online conditional auction. If you are the winning bidder on a property, you pay a non-refundable reservation fee to secure exclusivity of it and then typically have around 56 days … Continue reading “Modern Method of Auction Mortgages Explained”

Initial Enquiry A professional couple approached The Mortgage Broker looking to purchase their dream home valued at £1,050,000. As newly qualified professionals (Barristers) with strong future earning potential, they needed a lender who would recognise their income trajectory rather than just their current salaries. The Challenge High purchase price with an 85% loan-to-value (LTV) requirement … Continue reading “Case Study: High-Net-Worth Couple Secures £1.05m Property with 85% LTV”

First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? With the Bank of England recently cutting the base rate down and some lenders introducing more generous income multiples for renters, the big question for first time buyers is back on the table. Do you buy now or wait for mortgage rates … Continue reading “First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? “

Bank of England Cuts Base Rate to 4%. What It Could Mean for You Updated: 7 August 2025. The Bank of England has announced a 0.25% base rate cut, reducing it to 4%, meaning it is now at it’s lowest level since March 2023. This move is another positive step in the right direction for mortgage … Continue reading “Bank of England Cuts Base Rate to 4% – What It Means for You”