Mortgage News & Insights
The latest mortgage news, rate changes, and expert advice
Fixed Rate Mortgages Explained: How They Work and Whether to Choose One in 2026
Fixed rate mortgages are priced using swap rates, not the Bank of England base rate — a distinction that matters when markets are volatile. This guide breaks down how they work, how they compare to trackers and SVRs, and how to decide between a two, three or five-year fix in 2026.
17 March 2026
Will Interest Rates Go Up in 2026? What the Bank of England Might Do Next
The Bank of England's Monetary Policy Committee faces a genuine dilemma heading into 2026 — stubborn domestic inflation pulling rates higher, while global growth shocks threaten to push them lower. We break down each scenario and what it means for mortgage borrowers across the UK.
13 March 2026
What the Iran War Means for UK Mortgage Rates: A Borrower's Guide
Global conflict can feel far removed from your monthly mortgage payment, but the economic chain reaction is very real. This guide explains exactly how events in Iran filter through oil markets, inflation, and swap rates to affect the deal you could get on your next mortgage.
10 March 2026
Should You Fix Your Mortgage Now or Wait? How to Decide in a Rising Rate Market
With mortgage rates shifting, deciding whether to fix now or wait is one of the biggest financial calls you can make. This guide walks you through a clear decision framework — from rate forecasts and product fees to early repayment charges — so you can act with confidence.
6 March 2026
UK Housing Affordability in 2026: Why It's Harder Than Ever and What You Can Do
The UK housing affordability crisis has never been more acute, with structural forces from interest rates to planning failures locking out a generation of first-time buyers. This guide breaks down why it's so hard — and the practical broker-led strategies and government schemes that can still get you on the ladder in 2026.
3 March 2026
The True Cost of Owning a Home in the UK: How Housing Costs Have Risen 41% in Five Years
New data from the Guardian and ONS reveals UK housing costs have surged 41% in just five years, squeezing homeowners from every direction. We break down exactly where the money goes — and the practical steps you can take to claw some of it back.
27 February 2026
Why Are Mortgage Rates Going Up When the Base Rate Hasn't Changed?
If the Bank of England base rate hasn't moved, why are your mortgage deals getting more expensive? We break down the hidden forces — from gilt yields to swap rates — that really drive what lenders charge you.
24 February 2026
Is Buy-to-Let Still Worth It in 2026? The Numbers Behind the Decision
With mortgage rates still elevated and tax rules tightened, many landlords are questioning whether buy-to-let still stacks up in 2026. We run the numbers on yields, structures, and regional hotspots to help you decide.
20 February 2026
Bank of England Base Rate vs Your Mortgage Rate: Why They're Not the Same Thing
When the Bank of England moves the base rate, your mortgage rate doesn't simply follow suit — and understanding why could save you thousands. This explainer breaks down the real mechanics behind mortgage pricing, from swap rates to lender margins.
17 February 2026