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”
Author: Sam Kirtikar
Sam Kirtikar is CEO and owner of The Mortgage Broker Group with a background in Debt Management and Law. Sam is extremely passionate about providing financial advice in the right way, and support clients with clarity and care to ensure all solutions are affordability, suitable and sustainable. Sam often speaks at industry events or in industry publications, and has been cited across Yahoo Finance, AOL and National Newspapers. Sam speaks openly and honestly about the market, and always wants to look forward and embrace how technology and AI can be a supporting mechanism to helping clients faster. He writes straight talking guides on mortgages and protection, podcasts and blogs focused on outcomes that are suitable, sustainable and affordable. Sam’s work blends strategic insight with day-to-day lending know-how across first-time buyers, complex income, buy-to-let and protection planning, always with transparency and long term client interests at the core.
Sam Kirtikar is the owner of The Mortgage Broker Group and a highly experienced financial services leader with a proven track record in building customer centric, solution driven businesses. With a background in law, Sam then went on to work in debt management where the focus really became about helping customers in tricky scenarios and providing suitable, sustainable and affordable solutions for people’s circumstances. Combining his passion for navigating financial complexities, with innovative fintech, Sam is passionate about providing clarity and care for The Mortgage Broker clients.
As a hands on CEO of The Mortgage Broker Group, Sam leads with a relentless focus on outcomes, transparency, customer service and long-term relationships; ensuring clients receive not just advice and guidance, but real answers from a business that puts people first and focuses on long term solutions.
Posts by Sam Kirtikar
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Why Getting a Mortgage in Principle Makes You a Serious Buyer.
Why Getting a Mortgage in Principle Makes You a Serious Buyer. An Agreement in Principle (AIP), sometimes called a Mortgage/Decision/Offer in Principle, is one of the most powerful tools you can have in your home buying journey, especially in today’s fast-moving and competitive market. Here’s why serious buyers start with having a mortgage in principle. … Continue reading “Why Getting a Mortgage in Principle Makes You a Serious Buyer.”
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First Time Buyer Mortgage Guide (2025) | The Mortgage Broker
A First Time Buyer’s Guide to Getting a Mortgage in 2025 How do first time buyers get a mortgage in the UK? To get a mortgage as a first time buyer in the UK you usually need at least a deposit of 5-10%, proof of income and a good credit history. However, there are many … Continue reading “First Time Buyer Mortgage Guide (2025) | The Mortgage Broker”
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Kevin Blount joins The Mortgage Broker
The Mortgage Broker has appointed Kevin Blount as its Director of Commercial Operations. The Mortgage Broker are absolutely thrilled to have Kevin Blount as part of their senior team. Kevin brings a wealth of experience across The Mortgage Industry, and most recently, with a market leading platform, One Mortgage System. Sam Kirtikar, The Mortgage Broker’s … Continue reading “Kevin Blount joins The Mortgage Broker”
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How To Pay Off Credit Card Debt
Do you have credit card debt that you would like to reduce or clear? It can be easy for the balance on your credit cards to quickly mount up, leaving you with large debts and a lot of stress.
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First-Time Buyers: Buy Now or Wait for Better Mortgage Rates?
With the Bank of England holding interest rates in September 2024, first-time buyers face a key decision: buy now or wait for lower mortgage rates. As housing prices rise and rental costs remain high, acting sooner could be wise. In this post, we explore why buying now may benefit first-time buyers.
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Avoid the Stamp Duty Increases and Move Home Before Christmas!
Changes to Stamp Duty Land Tax are on their way, set to take effect on March 31, 2025. The temporary increases to the benchmarks that were introduced in September 2022 are coming to an end.
These changes will affect everyone who is planning to move home. First-time buyers will see the biggest impact from the rule changes.
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What Are You Waiting For? Why You Shouldn’t Wait to Buy a Property
Ultimately, pinpointing the “ideal” moment to purchase doesn’t really exist. What truly matters are the fundamental factors: having a deposit, sufficient borrowing capacity, and viable properties on the market. If you possess your deposit, your income meets the requirements, and suitable properties are available, what’s holding you back from making the leap?
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The Mortgage Market: Navigating Tough Mortgage Rates
Between now and the conclusion of 2024, over 1.4 million households will reach the conclusion of their mortgage fixed rate. If you find yourself in this category, it’s advisable to consult with an independent mortgage advisor.