Nicholas Mendes's Media Coverage

The Guardian

Many of the UK’s biggest lenders now offer deals that reward buyers of energy efficient properties

The Guardian

Many of the UK’s biggest lenders now offer deals that reward buyers of energy efficient properties

This Is Money

As prices and taxes rocket, homeowners can still take huge strides to reduce the cost of their largest household bill - their mortgage.

Mortgage Solutions

Specialist lenders will be vital in helping to transform brownfield sites into housing but there are key challenges and negative perceptions that need to be overcome.

FTAdviser.com

Having sat at a record low of 0 1 per cent since March 2020 all eyes are on whether the base rate will finally increase by the end of the year

This Is Money

Most homeowners fix their mortgage for two or five years - but deals are available with rates fixed for 10,15 or even 40, but can be expensive to exit.

This Is Money

HSBC and Natwest are both set to increase mortgage interest rates, which have been hitting record lows of less than 1% for months, in a ‘sure sign’ that they think a base rate rise is coming.

This Is Money

HSBC and Natwest are both set to increase mortgage interest rates, which have been hitting record lows of less than 1% for months, in a ‘sure sign’ that they think a base rate rise is coming.

Mortgage Solutions

Lender’s attitudes towards accepting short-term letting platform Airbnb, both for holiday let and residential mortgages, are changing but the pandemic could lead to a divergence in approach.

mirror

Experts think soaring inflation could drag homeloan costs up too, but the good news is rates are currently low for homeowners able to lock in to the cheapest deals

This Is Money

It is the lowest rate the building society has ever offered - but borrowers would be taking a gamble on future moves in the Bank of England’s base rate which their monthly payments will be tied to.

This Is Money

Nationwide has just become the first major lender to sign up to the initiative, which gives home buyers the chance to get a 5% deposit mortgage without the need for Government help.

mirror

Homeloans have never been cheaper, but that could be about to change. The good news is there are some super-cheap options on the market that can offset any coming rate rises

This Is Money

Non-fungible tokens have been used to sell albums, artworks and tweets - but now crypto investors are able to get their hands on NFT mortgages, too.

The Guardian

Launch by Kensington Mortgages comes amid expectations that era of ultra-low interest rates will end

FTAdviser.com

Consumers are often encouraged to switch and save whether it be on broadband home insurance or their mortgage

Mortgage Solutions

The number of mortgage prisoners is closer to 100,000, nearly double the Financial Conduct Authority’s (FCA) figure, as there are borrowers who are effectively trapped due to missed payments and being...

This Is Money

I am trying to buy a flat behind an Indian takeaway, and have been declined for a mortgage by both Santander and Nationwide.

Mortgage Solutions

Brokers are seeing heightened interest from first-time developers and first-time buyers looking to convert commercial properties to homes following changes to permitted development rights and a rise in...

Mortgage Solutions

Mortgage brokers have agreed that the jump in demand for larger properties outside of city centres has been a big driver in house price growth during the pandemic, and that it presents an opportunity for...

This Is Money

First-time buyers are flocking back to the market as the ‘race for space’ subsides - but they could find that flats are harder to mortgage than houses.

Mortgage Strategy

The leasehold sector has always been a murky part of the property market, with leaseholders frequently com-plaining about high service charges, escalating ground rents, unscrupulous freeholders and the...

Mortgage Solutions

Self-build mortgage enquiries have increased over the past year due to the pandemic, changes in regulation and new government schemes, and are expected to grow even more, brokers say.

Mortgage Solutions

Around a third of brokers are planning technology to be their biggest strategic investment in the coming year.

Daily Echo

HOUSE prices continue to surge in Southampton as its “unique” offering appeals to London commuters, an expert has explained.

Mortgage Solutions

The potential base rate increase to 0.5 per cent this week could increase annual mortgage bills by over £300.

The Guardian

The cost of living is soaring, but you may still be able to cut the cost of your repayments

The Telegraph

Ministers to overhaul Energy Performance Certificate rules amid fears of hit to house prices

LandlordZONE

The government’s controversial policy of phasing out natural gas boilers in favour of heat pumps, in its…

Mortgage Strategy

How long have you worked in financial services and what do you hope to achieve in your new role? I began my career at Lloyds Bank before joining John Charcol in 2019. My current role has filled me with...

Mortgage Strategy

How long have you worked in financial services and what do you hope to achieve in your new role? I began my career at Lloyds Bank before joining John Charcol in 2019. My current role has filled me with...

Mortgage Strategy

How long have you worked in financial services and what do you hope to achieve in your new role? I began my career at Lloyds Bank before joining John Charcol in 2019. My current role has filled me with...

Mortgage Strategy

How long have you worked in financial services and what do you hope to achieve in your new role? I began my career at Lloyds Bank before joining John Charcol in 2019. My current role has filled me with...

Liverpool Echo

Many people have been unable to get mortgages or have been forced to take out smaller loans due to tough rules

mirror

The typical UK house price is now 8.8 times higher than the standard full-time salary, meaning tough rules from mortgage lenders prevent more and more people getting on the ladder

Evening Standard

Recent Bank of England analysis found that the affordability test may have caused some borrowers to take out smaller mortgages than they could have done in its absence.

The Mirror

The cost of homeloans is soaring as lenders increase mortgage rates quickly, adding yet another increased bill to those already faced by hard-up British households

The Sun

HOUSE prices went through the roof last year, but property expert Nicholas Mendes explains whether they’ll finally drop in 2022. The stamp duty holiday, which rolled out over the first C…

Ideal Home

Lenders are rushing to launch ‘green mortgages’ but how do these deals work and will they reduce the cost of buying a more environmentally-friendly home?

Evening Standard

Recent Bank of England analysis found that the affordability test may have caused some borrowers to take out smaller mortgages than they could have done in its absence.

Ideal Home

If you’ve struggled with money in the past, borrowing can be tricky; find out how a bad credit mortgage could help you buy your own home

Mortgage Solutions

Chatbots are being increasingly used by lenders to respond to easy questions from mortgage brokers and free up staff time to deal with the meatier queries.

This Is Money

In a move against the status quo, Halifax has launched cheaper long-term loans to encourage customers to lock in their monthly payments for longer.

The Guardian

From checking how much you are likely to be able to borrow, to planning ahead of an application

Mortgage Solutions

Halifax’s decision to make a selection of its five-year fixed rates cheaper than two-year fixed rates has piqued broker interest and shows an expectation that borrowers will increasingly opt for longer-term...

This Is Money

House prices could fall nearly 5% in the next two years according to analysts, wiping out some of the near 20% gains made since the start of the pandemic.

Financial Reporter

We spoke to Nick Mendes, mortgage technical manager at John Charcol, about he challenges and opportunities for brokers in the current market, why it’s important for the mortgage industry to embrace diversity...

Financial Times

News, analysis and comment from the Financial Times, the worldʼs leading global business publication

The Telegraph

Households who remortgage this year will have to pay an extra £100 per month

Mortgage Solutions

Clients are more concerned about the outlook for their financial future than ever before, calculating for inflation on the cost of living, property prices, wage stagnation vs inflation, property value...

This Is Money

Niche lenders like The Cambridge, Loughborough Building Society and Hanley Economic are offering some of the market’s best mortgage rates.

This Is Money

Niche lenders like The Cambridge, Loughborough Building Society and Hanley Economic are offering some of the market’s best mortgage rates.

Evening Standard

Putting yet more pressure on households struggling with the cost of living, mortgages are getting progressively more expensive

This Is Money

Niche lenders like The Cambridge, Loughborough Building Society and Hanley Economic are offering some of the market’s best mortgage rates.

This Is Money

Fewer mortgages now charge arrangement fees, and the typical amount charged is dropping - though it won’t offset rising rates.

This Is Money

Fewer mortgages now charge arrangement fees, and the typical amount charged is dropping - though it won’t offset rising rates.

This Is Money

Fewer mortgages now charge arrangement fees, and the typical amount charged is dropping - though it won’t offset rising rates.

The Sun

THOUSANDS of wannabe homeowners could get help to build their own home with just a 5% deposit thanks to a new government scheme. The Department for Levelling Up, Housing and Communities has announc…

The Guardian

Analysis: longer mortgages would unlock the bind many renters find themselves in but could be expensive

The Sun

HOUSE prices remain high across the UK with the average property price standing at £294,559 – but could they fall? Average UK house prices soared by 9.5% in the year to September, according t…

The Guardian

The scheme is scheduled to end in England in March 2023 but the key deadline is much sooner

The Guardian

As the cost of living crisis grows, homeowners are borrowing more on top of their existing loan. But it can be costly

The Guardian

Advisers and banks struggle with demand as buyers chase dwindling number of low-rate mortgages

The Sun

THOUSANDS of homeowners are about to see their mortgage repayments go up by hundreds of pounds a year, as the Bank of England prepares for a rise in interest rates. The Bank is expected to ra…

The Telegraph

Many of today’s first-time buyers are likely to take out 40-year mortgages, brokers warn

The Sun

A new lender has been granted a licence by UK financial regulators to offer mortgages with fixed rates of up to 50 years in a move aimed at helping borrowers manage soaring inflation. Perenna, a UK…

The Guardian

As other costs spiral you can take action by asking for a payment holiday or to extend the loan term

The Sun

MILLIONS of households could be hit by a mortgage “ticking timebomb” that could explode next year as their fixed-rate deals end. Interest rates are already at a 14-year high of 1.75 per cent – and …

The Guardian

Virgin Money and Skipton Building Society withdraw deals for new customers as drop in pound leaves banks unable to price products

The Northern Echo

Mortgage lenders across the country have temporarily withdrawn deals, which could mean that the average family’s mortgage rises by £190 per month.

The Northern Echo

Mortgage lenders across the country have temporarily withdrawn deals, which could mean that the average family’s mortgage rises by £190 per month.

LBC

Banks continue to pull mortgage deals over fears the Bank of England will raise interest rates, with warnings repayments could rise by £800 and first time buyers face shelling out £1,100 a month on homes.

The Sun

THE plummeting pound and soaring interest rates could create a mortgage ticking time bomb crisis. The value of the pound against the dollar collapsed to $1.03 yesterday, causing the Bank of En…

The Sun

THE plummeting pound and soaring interest rates could create a mortgage ticking time bomb crisis. The value of the pound against the dollar collapsed to $1.03 yesterday, causing the Bank of En…

This Is Money

The mortgage market has been thrown into disarray by the fallout from the radical mini-Budget and the falling pound, we explain what borrowers can do.

Express.co.uk

Panicking lenders determined to hold on to their profits have pulled hundreds of cheap mortgage deals from the market.

John Charcol

What is influencing mortgage market conditions? What does this mean for borrowers? How can borrowers prepare? Find out more from Nick Mendes, Mortgage Techni...

This Is Money

In December a two-year fixed rate mortgage cost an average of 2.34%, but it has now shot up to 4.81% - leading to unaffordable hikes in monthly payments for some.

The Guardian

Lender takes unusual move of issuing notice to brokers on Sunday, saying it was increasing its rates

The Sun

Get the latest property news, comment and analysis from The Sun.

CNBC

As the U.K. mortgage sector has been in turmoil, what do first-time buyers need to keep in mind as they buy their property.

The Telegraph

Those looking to remortgage will soon have to take out long-term loans, brokers warn

Mortgage Solutions

Bringing more diversity to the mortgage sector will take a “fundamental shift”, Andrew Montlake, CEO of Coreco has said.

mirror

The cost of mortgages has soared to highs not seen since 2008, but now experts say the worst may be over after the new Chancellor took action to soothe panicked financial firms

mirror

The cost of mortgages has soared to highs not seen since 2008, but now experts say the worst may be over after the new Chancellor took action to soothe panicked financial firms

mirror

MSE boss Martin Lewis has warned that people with mortgages face a ‘triple threat’ of more financial hardship if experts are correct and interest rates rise above 5% next year

John Charcol

Mortgage expert Nick Mendes discusses your mortgage options following a separation or divorce.

The Sun

HOUSE prices fell in September following the fallout from Kwasi Kwarteng’s mini-Budget. Across the UK, house prices fell by 0.9% in October, according to the figures from Nationwide…

John Charcol

As expected, the MPC has announcement a base rate rise of 0.75%. Bringing the bank of England base rate to 3%, this has been the single biggest increase sinc...

The Telegraph

Deteriorating housing market puts some homeowners on the ropes

Evening Standard

Housing announcements were scarce but the Budget will impact buyers, homeowners and sellers over the next few months and years. Is it all doom and gloom?

John Charcol

Latest inflation figures from the ONS now put the cost of living to 11.1 in October up from 10.1% in September, increasing at its fastest rate in 41 years. W...

The Sunday Times

Shared ownership helped many to get on the ladder, but it just got a lot more expensive, says George Nixon

The Intermediary - Latest UK mortgage news

John Charcol has outlined the value provided by mortgage brokers in the current market, urging borrowers to adopt a flexible approach.

John Charcol

Nick Mendes reflects on how living and mortgage rate increases could affect landlords and what repercussions there could be on the housing marketing in the l...

inews.co.uk

Fewer parents are now willing or able to help their offspring buy a first home – baby boomers have their own money worries to contend with

The Intermediary - Latest UK mortgage news

With property prices expected to decrease by nearly 10% next year, many homeowners may put on hold any plans to move home in 2023.

The Intermediary - Latest UK mortgage news

With property prices expected to decrease by nearly 10% next year, many homeowners may put on hold any plans to move home in 2023.

The Guardian

UK high street banks are accused of not passing on benefits of money market movements to savers and borrowers

The Sun

HOUSE prices fell in September following the fallout from Kwasi Kwarteng’s mini-Budget. Across the UK, house prices fell by 0.9% in October, according to the figures from Nationwide…

The Sun

HOUSE prices fell in September following the fallout from Kwasi Kwarteng’s mini-Budget. Across the UK, house prices fell by 0.9% in October, according to the figures from Nationwide…

This Is Money

Interest rates may be falling slightly, but getting the right deal for you is still far from straightforward. We explain how to choose a mortgage broker to advise you through these tricky times.