London Mortgage Broker

Mortgage Lending Innovation

In our mortgage world it has been a very interesting week, with new mortgage lending innovation, doing huge levels of business, and general all-round positivity, so on that note, you may find some of the below of interest. While much...

Big hits in the mortgage world

We've seen some big hits in the mortgage world this week so here's an update from your favourite London Mortgage Broker. Booming Numbers Last week saw some really big numbers so I felt it was worth exploring that in more...

Rise in interest rates expected

I have been quite flattered of late as I have been approached by several journalists and news outlets for commentary around the expected rise in interest rates. I have selected a few of the more interesting snippets below: This recent article...

Damp Squib Game as No BoE Rate Rise

What an anti-climax! It seems everyone was braced for a rate rise last Thursday except for the Bank of England... The very obvious reference to Netflix's huge hit Squid Game in the subject is certainly a factor in the decision,...

Mortgage Loans Get Larger

Navigating the complex world of mortgage loans may seem tough but if you feel you have had a hard week, just spare a thought that it could be worse, you could be Ole Gunnar Solskjaer... Conversely, it's a good time...

100% Mortgage Lending Back!

Before I get onto 100% mortgage lending I just want to give my take on the Pandora Papers. For anyone familiar with the Greek Myth of Pandora's Box, it is actually a way more complex tale than simply regretting finding...

Why use a mortgage broker?

I'm often asked why use a mortgage broker when I can go online or talk to my bank? In this week's blog, I explain why a good mortgage adviser is more than simply finding the best mortgage for you. It...

London Rental Market Rebounds

As frightening as this is, we enter September this week! and I'm talking about the London rental market and house purchase completion times. The pandemic has completely shot my sense of time to pieces, but what I am hoping is...

Broker only mortgage deals

Before I talk about broker-only mortgage deals, some news on our fundraising. While many of you were tucked up snuggly in bed this morning, 4 of us ran the Vitality Half Marathon across London. Very well done for Nick Plappert...

The Start Of A Property Boom?

So why could this be the start of a property boom when much of the economy has suffered so badly in recent times? After many years of asking, I finally relented and went camping with my mother over the weekend....

Lowest ever mortgage rate

More news this week on the lowest ever mortgage rate... I am back and truly refreshed after a week away in Jersey. We were very lucky with the weather and got out to explore a lot of what is such...

Mortgage rates continue to fall

It seems that every time I say 'mortgage rates can't get much lower', mortgage rates continue to fall. It was another bumper weekend of sport to keep us all entertained. Probably a good thing as half the UK seems to...

Lowest Mortgage Rates Ever

We are officially in the period of the lowest mortgage rates ever. There are now multiple lenders offering mortgages at UNDER 1%! HSBC was the latest lender to join this club, releasing a market best equally 0.94% 2 Year Fixed...

Deadline day for UK Property market

The bi-annual football transfer windows always make for interesting viewing, especially the ‘Deadline day’ action. For once in the mortgage broker world, we have had something equally exciting in the UK Property market. With the Chancellor announcing the extension of...

Limited Company Buy to Let mortgage

With the tax treatment of rental properties set to be punitive for the foreseeable future, more and more clients are turning to buying (or converting) investment properties via a Limited Company - a Limited Company Buy to Let. This has...

Bounce back in the property world

If your weekend was anything like mine, you had the very strange experience of sunbathing on Easter Sunday, only to see snow on Monday! God bless the British weather... Today's Government press briefing didn't tell us much we didn't know....

How to improve your purchase offer

Here we look at specific things you can do to improve your purchase offer from a seller's /Agent's perspective and it could be the difference between being successful or not in your proposed purchase. With the housing market heating up,...

40 Year Fixed Rate Mortgage

As we start to ebb out of lockdown with schools re-opening, making bookings for pub gardens from the 12th April (and willing to sit outside no matter the weather) and with the very brave of us booking holidays for later...

95% Mortgage Guarantee Scheme

In the budget last week, the most interesting thing to come out of it from a mortgage perspective was the “95% Mortgage Guarantee Scheme” which is set to launch in April. The aim is to help people buy a property...

Budget 2021 response and mortgage impact

Chancellor Rishi Sunak, put in a very vote friendly Budget 2021 this week. Extending many Government grants, support and lifelines, while being a very property focused. His balanced tone and measured responses, are very refreshing in the face of a...

Mortgage options on the rise

As we see the weather thaw out this week (and along with it, the excuse to stay in the warm instead of going for a walk/run! Ice & ankles don't mix well while running) the mortgage market is also following...

Mortgage Pricing at a premium

It hasn’t been since 2008 that we have seen such huge variances in the best mortgage rates (circa 1%), vs the rates on offer on high loan to value (LTV) mortgages (3%+). So we re going to look at why...

The negative interest rate debate

Talk of a negative interest rate has bubbled along hand in hand with the pandemic, but it isn’t always clear how, and why, this may come to pass. Also, and crucially from our perspective what impact would that have on...

Mortgage market continues to strengthen

Another week goes by and the mortgage market continues to strengthen, where lenders are increasing the number of products they offer, and decreasing the amount of deposit they now require. Which is bolstering the market. On top of that, lenders...

How do online mortgage valuations work?

As we are into lockdown #54, it is timely to look at the role of the valuation, in particular online mortgage valuations, when looking to obtain the best mortgage rate possible. In a normal situation, you have a mortgage valuer...

What a start to 2021 from a mortgage perspective

As if you thought the world couldn't get any stranger (from a mortgage perspective or otherwise), I understand that the chemically fuelled, Maraca shaking, Bez of Happy Monday's fame is to start a 'Joe Wicks' style fitness class during lockdown... If anything...

How to get a mortgage in Lockdown

With England going into lockdown until at least the 15th February, we wanted to update you on how we can get you a mortgage in Lockdown as the property market still remains open throughout this period. If you are looking...

House prices up, up and away?

Since lockdown 1.0 ended, there has been a surge in house purchase activity, the like of which we haven’t seen since 2007. House prices are up, up and away! So is this just a reaction to pent up demand? Will...

With Lockdown 2 can I move home?

Here we go, the seemingly inevitable 'second wave', which has led to a semi lockdown from the 5th November (thank God there is childcare/schooling this time...). Rather than setting off fireworks, it has dampened things down considerably, but we have...

How much mortgage deposit do you need?

Probably the hottest topic in the mortgage world right now is the impact the level of mortgage deposit you have, has on the availability, and cost of, loans you will be offered. This is an area where a mortgage broker...

House Prices vs Mortgage Lending

No, this isn't the most dull wrestling match up of all time, but instead a look at the rather complex relationship between house prices and how they affect mortgage lending. With house prices shooting up, surely that is a good...

The mortgage market heats up

Data released from the Bank of England showed that mortgage approvals doubled in July compared to June! And so as the weather cools, the mortgage market heats up! 66,300 loans were approved which is only just down from the 73,700...

Mortgage criteria tightening

It is no surprise to see lenders starting to tighten the purse strings a little and so see mortgage criteria tightening in specific aspects. There have been a few articles creeping in over the last week or so which shows...

Meltdown at the major mortgage lenders

It wasn't just the weather that went into meltdown last week, its meltdown at the major mortgage lenders too. Most, if not all the major lenders, are now suffering service delays the likes of which I have never seen. Reasons...

Mortgages for Life’s Goals

For the eagle eyed regular readers, you will have noticed that we are sporting a smart new logo! This is going hand in hand with a slight refresh of the website, and a new strap line Mortgages for Life's Goals....

Mortgage expectations post-lockdown

What are your mortgage expectations in the current lending climate? For the first time since 23rd March, I actually had a few days last week with no children in my house, which was utter bliss. I love my daughters very...

Opportunities in this mortgage market?

For the last few weeks the opportunities in this mortgage market has felt a bit like playing 'Whack-A-Mole' as lender criteria changes, interest rates change, and latterly, valuation policies change. But as is always the case, things start to settle...

Market recovery continues

Last week we saw the most positive updates from lenders since lock-down as the market recovery continues. Many lenders returning to the market with increased offerings around how they can conduct surveys, raising their LTV restrictions (meaning it is now...

Free Wills for our clients

It has been playing on my mind how we can do more to help our clients, and indeed new clients, during this period, my solution, free wills. Free Wills Therefore, last week I picked up with one of our contacts...

COVID-19 and your mortgage | Q1 over

COVID-19 and your mortgage, what happens now? For many, it may have passed your notice that the first quarter of the year ended last week. The first quarter of the new decade has certainly been eventful... Thoughts on COVID-19 and...

Business as usual

We are operating business as usual. While completely respecting the situation we find ourselves in, we do also intend to carry on as best we can to ensure all our clients get the same excellent service you would expect from...

Budget reaction | A temporary disturbance

In the Chancellor's first budget, Rishi Sunak was at pains to make clear it is a 'temporary disturbance' that we are experiencing due to the knock on impacts of COVID-19. And he was indeed very keen to 'get it done'...

When to remortgage

Richard Campo, founder and managing director of mortgage and protection advisors Rose Capital Partners, shares his advice on when to remortgage with Marsh and Parsons. What to consider when remortgaging If you find yourself coming around to remortgage time, or...

Deja Vu … lack of human connection

Lack of human connection. Last week had a strangely familiar feel, but not in a good way. Three things that struck me were: A Ruthless Tory cabinet re-shuffle. RBS Re-brand to NatWest. Yet another person directly linked to Love Island...

Interest rates holding steady

As we left the EU and being an England rugby fan, this has been a pretty tough weekend! Interest rates holding steady. That said, I can bask in the glory of a correct prediction on the Bank of England meeting...

The cost of free legal work

When you are looking at arranging your next remortgage, it is often a given that you will use the lenders ‘Free Legal’ service. As long as you kick off the process in good time, that will be the best option...

When, how and if to remortgage?

It was interesting to see that UK Finance released figures on 26th November stating that Remortgage loan approvals were up nearly 13% in October this year, compared to October 2018. That is also a step up from last month's figures...

Should you wish to speak to one of our mortage brokers or protection advisers, Click Here and you will find everyone’s contact details.

Your property may be repossessed if you do not keep up repayments on your mortgage.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Rose Capital Partners Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority.


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