Mortgage News & Insights
The latest mortgage news, rate changes, and expert advice
Why Are RBS and NatWest Mortgage Rates Rising — And What Should Borrowers Do Now?
RBS and NatWest mortgage rates are climbing even when the Bank of England base rate holds steady — and searches for answers are up nearly 1,900%. Here's what's driving lender-specific rate changes and the steps borrowers should take right now.
25 April 2026
Why Are Mortgage Lenders Cutting Rates Even as the Iran War Pushes Inflation Higher?
Mortgage lenders are cutting rates even as geopolitical tensions push inflation higher — and the reason lies in swap rates and fierce lender competition. Here's what the data shows and exactly what borrowers should do right now.
23 April 2026
Are Mortgage Rates Going Up in the UK Right Now — And When Will They Fall?
After months of climbing, UK mortgage rates posted their first weekly decline since February — but the picture is more complex than headlines suggest. Here's what the latest data actually means for borrowers deciding whether to fix now or hold off.
21 April 2026
Will Mortgage Rates Drop to 3% Again in the UK?
Data from swap rate markets and Bank of England forecasts suggests UK mortgage rates are unlikely to return to 3% any time soon. Here's the evidence — and what borrowers should actually do in 2026.
18 April 2026
Is It a Good Idea to Get a Mortgage in 2026 in the UK?
Between swap rate volatility, Trumpflation fears, and Iran war uncertainty, 2026 is one of the trickiest years in recent memory to take out a mortgage — but softer house prices change the maths. Here's a data-backed verdict for first-time buyers, remortgagers, and movers.
16 April 2026
Have Mortgage Rates Gone Up? What's Happening Right Now and What to Do
UK mortgage rates have risen again, adding hundreds of pounds a year to new deals. Here's what's driving the increase — from Trumpflation to global instability — and a clear framework to help you decide whether to fix now, wait, or act.
14 April 2026
Will Mortgage Rates Go Down in 2026 in the UK?
UK mortgage rates may ease in 2026, but geopolitical shocks are keeping swap rates — and lender pricing — unpredictable. Here's a data-backed forecast and a clear framework to help you decide whether to fix now or wait.
11 April 2026
Should I Fix My Mortgage for 2 or 5 Years in 2026?
With UK mortgage rates topping 5% and rate expectations shifting fast, choosing between a 2 or 5 year fix is one of the biggest financial decisions you'll make this year. Here's how to decide based on your circumstances, risk appetite, and the latest lender data.
8 April 2026
Where UK House Prices Are Rising and Falling Fastest in 2026
UK house prices are rising in 101 of 146 cities, with Darlington up 9.5% and central London boroughs down over 10%. Data-driven analysis from HM Land Registry, January 2026.
30 March 2026
Most Affordable UK Cities for First-Time Buyers in 2026
Aberdeen is the most affordable UK city for first-time buyers in 2026, with properties costing just 3.5x local earnings. We ranked 145 cities using HM Land Registry and ONS data.
30 March 2026
How Much Do You Need to Earn to Buy a Home in Every UK City?
On a UK median salary of £35,000, 26 cities are within reach for first-time buyers. We crunch HM Land Registry prices against ONS earnings to show the income needed in every major city.
28 March 2026
How Much Can I Borrow for a Mortgage in 2026?
Wondering how much you can borrow for a mortgage in 2026? We break down the income multipliers and affordability stress tests lenders actually use — and explain why a broker could help you borrow more than going direct.
27 March 2026