Written by Sam Kirtikar, CEO, The Mortgage Broker The Bank of England has held the base rate at 3.75% at today’s Monetary Policy Committee meeting.     The headline is simple: no change. The reality is more useful: mortgage pricing doesn’t move purely on the day of an MPC decision, it moves on expectations, funding … Continue reading “Bank of England interest rate held at 3.75% (5 February 2026)”

Written by Craig Leigh, Mortgage Adviser, The Mortgage Broker Book a free appointment with Craig, here.   Mean age of first time buyers, London and the rest of England, 2003-04 to 2023-24 Source- Ministry of Housing, Communities & Local Government The average first-time buyer age is now 34 in England and 35 in London (based … Continue reading “Low-deposit mortgages in 2026: what first-time buyers can do now (and what to watch out for)”

Written by Monsor Malik, Mortgage Adviser, The Mortgage Broker Book a free appointment with Monsor, here. Why Q1 matters for new build buyers Q1 is a busy period for developers. It’s when sales teams often focus on securing reservations that can complete later in the year, helping them keep build schedules and targets on track. … Continue reading “Selling Your Home to Buy a New Build: Why Q1 Is the Time to Act”

Written by Harrison Andrews, Mortgage Adviser, The Mortgage Broker Book a free appointment with Harrison, here. If you are self-employed and thinking about buying a home, January is one of the most useful moments in the year to stop guessing and start planning. Not because you should rush into a purchase, but because January is … Continue reading “Why January Is the Best Time for Self-Employed Mortgage Planning”

Written by Craig Leigh, Mortgage Adviser, The Mortgage Broker Book a free appointment with Craig, here. Buying a home is one of those big “adulting” moments that sounds exciting, but quickly becomes confusing. There’s advice everywhere, jargon you’ve never used before, and a nagging feeling that everyone else knows what they’re doing except you. One … Continue reading “Mortgage Planning vs House Hunting: Which Should Come First?”

Written by John Noakes, Mortgage Advisor, The Mortgage Broker Book a free appointment with John, here. Buying a home is one of the most exciting financial milestones you can work towards, but the process itself is rarely as simple as finding a property and applying for a mortgage. The strongest outcomes usually come from preparation … Continue reading “Why Getting Mortgage‑Ready Is the New 2026 Resolution”

Written by Sam Noble,  Mortgage Expert, The Mortgage Broker Book a free appointment, here. The UK housing marketing 2026 has kicked off with renewed momentum and cautious optimism, offering real opportunities for home buyers, but also fresh challenges. For estate agents, understanding these trends and partnering with an expert mortgage broker isn’t just useful, it’s … Continue reading “UK Housing Market Report 2026: Now Is the Time to Get Mortgage Ready with Independent Advice, Why?”

What’s changed since the 2025 update (January 2026 refresh) Written by Fiona Simpson, Buy to Let Mortgage Expert, The Mortgage Broker Book a free landlord review with Fiona, here. January reality for limited company landlords January is often when landlords stop, look at the numbers properly, and ask: “Is my portfolio still working the way … Continue reading “What Budget and Rate Changes from 2025 mean for buy to let landlords in 2026”

Written by Sarah Mascot, Mortgage Advisor, The Mortgage Broker. Book a Free Appointment with Sarah, Here Depending on when you fixed your mortgage term, you may be able to take advantage of reducing mortgage rates to help ease the financial pressure. January is a long month, and can feel brutal financially. December spending catches up … Continue reading “Remortgage for Debt Consolidation: reducing monthly outgoings after Christmas”

Written by John Noakes, Mortgage and Protection Advisor, The Mortgage Broker. Book a Free Appointment with John, Here   Why lenders care where your deposit comes from This is about: Affordability and sustainability Anti-money laundering checks Making sure there are no hidden loans or repayment expectations Lenders are not only interested in how much deposit … Continue reading “Deposit options: gifted vs saved vs LISA-What lenders accept”