Mortgage
Bank of England Holds Interest Rates at 3.75%: What It Means for Mortgages and Savings in the UK
The Bank of England has kept the base rate at 3.75%. Find out how this decision affects your mortgage payments and savings returns.
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
Two Lenders Hike Mortgage Rates Ahead of Bank of England Decision in the UK
Two major lenders have raised mortgage rates just days before the Bank of England's interest rate announcement, signalling caution in the UK mortgage market.
Mortgage
Fixed-Rate Versus Tracker Mortgages in the UK: Which Is Right for You
Compare fixed-rate and tracker mortgages to find the best option for your circumstances, risk tolerance, and financial goals.
Mortgage
When to Remortgage and How to Get the Best Rate in the UK
Remortgaging at the right time can save you thousands of pounds in interest. Learn when to switch deals, how to compare rates, and whether moving lender makes financial sense.
Mortgage
How Bank of England Base Rate Decisions Affect UK Mortgage Rates
Learn how Bank of England base rate changes impact your mortgage payments, whether you should choose a fixed or tracker deal, and when to remortgage based on rate announcements.
Mortgage
How Debt-to-Income and Affordability Checks Work for UK Mortgages
Understand how UK lenders assess your affordability through debt-to-income ratios, income multiples, and stress testing before approving your mortgage application.
Mortgage
How to Improve Your Credit Score Before a UK Mortgage Application
Your credit score directly affects mortgage approval and the interest rate you are offered. Learn how UK lenders assess creditworthiness and what steps you can take to strengthen your position before applying.
Mortgage
Understanding Mortgage Fees in the UK: Arrangement, Valuation, and Legal Costs
Compare the three main mortgage fees UK homebuyers face and learn which costs you can negotiate, which are mandatory, and how to budget for each.
Mortgage
Remortgage vs Product Transfer in the UK: Which Is Better at Renewal?
When your mortgage deal ends, you can either remortgage to a new lender or switch to a new product with your current lender. Each route has distinct advantages depending on your equity, rate goals, and whether you want to borrow more.
Mortgage
Should You Remortgage This Autumn Before the Bank of England November Meeting in the UK
Autumn is traditionally peak remortgage season in the UK. With the Bank of England's November interest rate decision looming, here is what you need to know about switching deals now.
Mortgage
Equity Release and Lifetime Mortgages in the UK: Understanding the Cost of Borrowing Against Your Home
Equity release lets homeowners aged 55+ access tax-free cash from their property without selling. This guide compares lifetime mortgages and home reversion plans, explaining how much each option really costs and who they suit.
Mortgage
Gifted Deposits in the UK: What Lenders Require to Accept Family Money
Lenders accept gifted deposits from family but require a formal letter, proof of funds, and confirmation the gift has no repayment terms.
Mortgage
Holiday-Let Mortgages vs Standard Buy-to-Let in the UK: Which Is Right for You?
Compare holiday-let and standard buy-to-let mortgages to find the best finance option for your UK rental investment property.
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.
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
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.