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Mortgage News & Updates
Stay informed with the latest mortgage news, industry updates, and expert insights. Get key market trends, policy changes, and tips to help you make informed mortgage decisions.
PMI Signals Weakest Business Confidence in Over Two Years as Construction Output Falls Again
UK construction activity fell again in August, marking eight straight months of contraction, as housing and civil engineering continued to struggle, according to S&P Global’s Construction PMI.
One in Five Landlords Now Own Through Limited Companies, Pegasus Reveals
Limited company ownership is increasingly shaping the buy-to-let market, with one in five landlords now incorporating, according to Pegasus Insight.
Borrowers Face £329 Higher Repayments as Short-Term Deals Dominate
UK remortgage completions surged by 71% in July 2025, with two-year fixed-rate deals becoming the most popular choice among borrowers. While many faced higher repayments, short-term certainty and equity release opportunities drove activity — highlighting shifting homeowner strategies across regions.
Bank of England Cuts Rates: Sub-4% Mortgages Now Within Reach
Two leading UK lenders have cut rates below 4% following the Bank of England’s decision to lower its base rate to 4% in August 2025. First-time buyers could now secure deals from as low as 3.73%, while easing affordability rules and increased housing supply are fuelling competition across the mortgage market.
BoE Lowers Base Rate to 4% in Split Vote, Flags Risks from Rising Food Inflation
The Bank of England has reduced its base interest rate to 4% in August 2025 — its fifth cut in a year. While the move brings potential relief for borrowers, policymakers have warned that rising food prices could drive inflation back up, creating a challenging environment for future rate decisions.
June Sees 13% Spike in Property Transactions – Here’s What It Means for Buyers
Residential property transactions rose by 13% in June 2025, marking a possible shift in buyer confidence. As affordability improves and the effects of stamp duty reform settle, experts say a more stable property market may be emerging.
Savills: UK House Prices to Rise 24.5% by 2029 as Market Outlook Improves
Targeted stamp duty relief for older movers could free up over 500,000 homes in just 12 months, new research suggests — easing pressure on the UK housing market and increasing availability for first-time buyers and growing families.
UK Interest Rates Set to Drop Again – Is Now the Time to Lock In a Deal?
The Bank of England may cut rates again on 7 August, offering a potential reprieve for borrowers and homebuyers. With inflation easing and market uncertainty growing, economists expect lower borrowing costs in the months ahead.
Stamp Duty Relief for Downsizers Could Unlock 500,000 Homes in a Year, Says New Study
Targeted stamp duty relief for downsizers could unlock more than 500,000 homes in just 12 months, new research shows. As older homeowners hesitate to move due to tax costs, calls grow for reform to ease the housing shortage