Mortgage
How Bank of England Base Rate Decisions Affect UK Mortgage Rates
The Bank of England's base rate influences what you pay on your mortgage, but the connection varies by product type and is not always immediate or one-to-one.
Grace Thompson
Author
UK property finance writer. Covers buy-to-let mortgages, stamp duty land tax, and FCA affordability rules, helping landlords and owner-occupiers navigate lender criteria and stress-test calculations.
- mortgage
- buy-to-let
- stamp-duty
- remortgage
Published articles
Mortgage
First-Time Buyer Guide to Getting a Mortgage in the UK
A practical step-by-step guide for first-time buyers navigating the UK mortgage process, from checking affordability to completion.
Mortgage
How to Calculate Rental Yield on a Buy-to-Let Property in the UK
Learn the difference between gross and net rental yield and why both figures matter when evaluating a UK buy-to-let investment.
Mortgage
Porting Your Mortgage When Moving House in the UK
Compare porting your existing mortgage deal against remortgaging when you move property, with pros, cons, and when each option makes financial sense.
Mortgage
How to Improve Your Credit Score Before a Mortgage Application in the UK
Learn how to strengthen your credit file before applying for a UK mortgage, including practical steps to boost your score and avoid common mistakes that affect affordability.
Mortgage
How to Find the Best Fixed-Rate Mortgage Deals in the UK
A step-by-step guide to finding, comparing, and securing the best fixed-rate mortgage deal for your circumstances in the United Kingdom.
Mortgage
Bank of England Cuts Base Rate to 3.75% in the UK: What It Means for Your Mortgage and Savings
The Bank of England has reduced the base rate to 3.75%. Find out how this affects tracker mortgages, savings accounts, and what you should do next.
Mortgage
Tembo Parent Remortgaging in the UK: What Families Should Know
Parents can sometimes remortgage, take a further advance, or use later-life lending to help a child buy a home. The risk is that the parent's home, retirement income, and tax position can all be affected.
Mortgage
Remortgaging to Renovate in the UK: Why Homeowners Are Doing It
Remortgaging to fund renovation can help UK homeowners improve rather than move. The trade-off is that home improvements become secured borrowing, so the total cost and risk need careful checks.
Mortgage
TSB Downvalued My House by £1.3M: What UK Remortgage Borrowers Can Do
A large downvaluation can disrupt a remortgage, but it is not always the final word. Here is how UK borrowers can check the valuation, challenge it, and compare realistic alternatives.
Mortgage
Why Five-Year Deals Are Driving the UK Remortgage Market
Many UK homeowners who fixed during the post-pandemic property boom are now reaching the end of their deal period. Here is what that means for remortgage timing, costs, and choices.
Mortgage
How Much Could Mortgages Rise in the UK if the Housing Market Crashes?
A UK housing crash would not automatically push all mortgage rates higher. The main risks are weaker equity, tighter lending criteria, higher SVRs, and fewer completed sales.
Mortgage
What Landmark's Q1 2026 Remortgage Surge Means for the UK Housing Market
Landmark's Q1 2026 signal points to a UK market led by remortgaging rather than stronger new-buyer demand. Here is what that means for homeowners and buyers.
Mortgage
Stamp Duty Land Tax in the UK: How Buyers Can Calculate What They Owe
Stamp Duty Land Tax can be a major upfront cost when buying in England or Northern Ireland. This guide explains what affects the bill before you use the calculator.
Mortgage
UK Mortgage Amortisation Schedule: See What Each Repayment Covers
A UK mortgage amortisation schedule shows how each repayment is split between interest and capital. Use it to understand your balance, total interest, and the effect of overpayments.
Mortgage
Why a Bank of England Rate Cut May Not Move Mortgage Interest Rates in the UK
A Bank of England base rate cut can influence UK mortgage pricing, but it does not automatically make every mortgage cheaper. Fixed-rate, tracker and SVR deals respond in different ways.
Mortgage
Mortgage and Remortgage Interest Rates Today in the UK: Rates Falling Again
UK mortgage rates have dropped further this week, with lenders cutting fixed-rate deals in response to market expectations.
Mortgage
Mortgage and Remortgage Interest Rates in the UK Today, Sunday 21 June 2026: Rates Higher Compared to Last Week
UK mortgage rates have risen this week across fixed-rate and tracker products, following movement in the Bank of England base rate and swap rate markets.
Mortgage
How Rising Interest Rates Affect Mortgage Affordability in the UK
Rising interest rates reduce how much you can borrow by tightening lenders' affordability calculations and stress tests, even when rates are still lower than historical averages.
Mortgage
Mortgage Interest Rates in the UK This Week: Fixed Rates Continue to Fall
Fixed-rate mortgage deals in the UK have continued their downward trend this week, with lenders cutting rates across popular two-year and five-year products.
Mortgage
Mortgage Interest Rates Today: Fixed Rates Edge Lower as Tracker Mortgages Remain Volatile
Fixed-rate mortgage deals are trending downward while tracker and variable rate products continue to fluctuate. Here is what today's rate movements mean for UK borrowers.
Mortgage
Summer Rate Lock Strategy for Buyers Planning to Close in August
Learn how to time your mortgage application and secure the best rate for an August completion, with expert guidance on offer validity periods and market timing.
Mortgage
Fixed vs Tracker Mortgage: Which Is Right for UK Homeowners
Compare fixed-rate and tracker mortgages to find the best option for your home financing needs, risk tolerance, and financial goals.
Mortgage
How to Remortgage a Buy-to-Let Property in the UK
A practical guide to remortgaging your buy-to-let property, from rate comparison to completion, written for portfolio landlords and property investors.