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Ashley Thomas
We specialise in: Residential Mortgages, Buy to Let Mortgages, Large Mortgages, Private Bank Mortgages, High Net Worth, International Mortgages, Bridging Finance, Development Finance, and Commercial Finance
Media Coverage
This Is Money
Should I fix my mortgage or take a tracker? A dozen brokers replyAnyone taking out a mortgage at the moment will likely be pondering the same questions - how long to fix for? Should they fix at all?
The Telegraph
Mortgage rates creep up – when to ditch your tracker for a fixed dealMortgage holders are still waiting for a Bank Rate drop, despite falling inflation
Yahoo Finance
Mortgage rates creep up – when to ditch your tracker for a fixed dealAfter a tumultuous 2023, mortgage borrowers may be relieved to know inflation is on the way down, and the Bank Rate seems to have peaked.
Sky News
Money latest: New energy price cap announced tomorrow with big drop predictedNatWest has told brokers it will increase mortgage rates on Friday, the Money blog can reveal - after a similar announcement from HSBC earlier today. Read this and more in the Money blog, your place for...
The Mirror
HSBC to increase mortgage rates from tomorrow in ‘hammer blow’ to marketThe uprating follows similar moves by other lenders this week, including Santander, Coventry, and TSB.
inews.co.uk
HSBC hikes mortgage rates, leaving no sub-4% deals left in ‘hammer blow’There has been a change in expectations of what will happen to interest rates, which has a knock on effect on mortgage deals
Express.co.uk
HSBC one-day mortgage warning as banking giant unleashes ‘hammer blow’Brokers have described the move as “another nail in the coffin” for consumer confidence.
Birmingham Live
HSBC changes accounts ‘across the board’ and it’s a ‘hammer blow’It follows other lenders this week, such as Santander, Coventry and TSB.
FTAdviser
Brokers: high mortgage costs hit everyone, regardless of wealthBrokers have said most people will be impacted by rising mortgage costs, regardless of their wealth.
CityAM
Shares in banks and housing firms rise on sharp inflation slowdownShares in banks and housing firms jumped after fresh inflation data came in lower than expected, boosting hopes for interest rate cuts in 2024.
The Times
What falling inflation means for mortgage rates and savingsHow the latest ONS inflation figures will affect your money
London Loves Property
Could we see sub 4% mortgages before the year is out?Following news that inflation fell to 4.6% in October, some brokers have said mortgage rates could start with a three before the year is out, while others agree the 4%…
The Telegraph
Mortgage rates on track to hit 4pc by end of the yearLower-than-expected inflation numbers fuel optimism for homeowners
Estate Agent Today
HSBC and Halifax cut mortgage rates as price war continuesTwo more major lenders have cut mortgage rates, prompting hopes that deals could seen come close to 3%.
Birmingham Live
6-week warning for anybody with a mortgage after Halifax and HSBC changeFollowing the news, one broker said some rates, based on the current direction of travel, could even start with a three before the year is out in December.
The Intermediary
Mortgage rates could “drop below 4%” before year end, brokers predict as Halifax cuts ratesHot on the heels of HSBC, Halifax has announced it is reducing its mortgage rates again on Wednesday 15th November. Following the news, one broker said some rates, based on the current direction of travel,...
Mortgage Professional
Barclays announces new rate cutsBigger rate reductions needed to really get things moving, says mortgage expert
Mail on Sunday
Buy-to-let hotspots where you can earn an inflation beating incomeLandlords can secure close to double-digit returns as buy-to-let yields are climbing in some parts of the country, new data reveals.
Daily Record
Nationwide announces change starting today that affects anybody with an accountThis warning has been issued to anyone with New Business, Switcher, Additional Borrowing and Existing Customers Moving Home accounts.
Yahoo Finance
Nationwide cuts mortgage prices as Bank of England economist says interest rates may peak lower, but stay highThe Bank of England’s top economist said interest rates , but should stay high for “sufficiently long”
Evening Standard
Nationwide cuts mortgage prices as BoE’s Pill says rates may peak lower but stay highThe Bank of England’s top economist said interest rates , but should stay high for “sufficiently long”
Evening Standard
Barclays cuts mortgage prices again despite higher gilt yieldsThe bank is cutting mortgage prices for 52 products
Mortgage Solutions
Natwest lowers buy-to-let stress rates; Barclays cuts pricingNatwest has reduced the stress rate to test affordability on its buy-to-let mortgages.
The Intermediary
Product transfers hit record high in Q2 - UK FinanceQ2 2023 saw 84% of remortgaging deals being internal product transfers.
The Intermediary
Barclays to make further mortgage rate cutsThe lender will be reducing its 2-year fixed 60% loan-to-value (LTV) product from 6.13% to 5.98%.
FTAdviser
Santander tightening buy-to-let affordability ‘disaster’ for marketSantander increasing its interest cover ratio calculations is a “disaster for the buy-to-let sector” and could lead to a “housing crisis in the making”, one broker has claimed.
The Telegraph
How to get a £1 million home – with no incomePrivate banking offers a source of finance with several key differences to high street lenders
The Intermediary
Santander makes a further round of mortgage rate reductionsSantander has announced a further round of rate reductions of up to 0.20%, which will go live from Tuesday 22nd August.
The Sunday Times
Is now the time to get a tracker mortgage?A tracker mortgage could be the best option for the brave — but only if you think interest rates are nearing their peak. Variable rates are set to increase agai
FTAdviser
BoE’s 14th consecutive interest rate rise is ‘absolute lunacy’The latest increase in interest rates by the Bank of England is “absolute lunacy”, Mather and Murray Financial independent financial adviser, Samuel Mather-Holgate has stated.
Financial Reporter
Halifax ups maximum age to 75 for mortgage lendingBrokers discussed the pros and cons of taking a mortgage to the age of 75.
Daily Mail
Could 40-year fixed mortgages solve first-time buyer crisis?Borrowers in Britain are still having to pay extremely high rates for new mortgages compared to one year ago, even though inflation is now falling at a greater rate than expected.
Mortgage Professional
HSBC becomes first high street lender to slash mortgage ratesBrokers hope more big lenders will follow suit
FTAdviser
HSBC becomes first high street lender to reduce ratesHSBC has become the first high street lender to announce it will be reducing rates on a number of its fixed-rate products, after better than expected inflation data.
IFA Magazine
HSBC REDUCES mortgage rates across residential range - brokers respondHSBC was today the first High Street lender to announce a wave of fixed rate reductions from Wednesday 26th July across their residential rates, up to 90% Loan
IFA Magazine
“My heart sank” reaction from financial services, mortgage experts and small business owners to today’s 0.5% rate hikeFollowing the Bank of England rate decision published today, Newspage has sought the reaction of mortgage brokers, money experts, estate agents and small b
Mortgage Solutions
Brokers urge borrowers to ‘keep calm’ as average two-year fix breaches six per centMortgage brokers have said borrowers should remain calm and look beyond average rate figures as Moneyfacts revealed the average two-year fixed rate was now 6.01 per cent.
The Intermediary
Are we heading for a property market crash? Experts give their viewsAfter the UK saw its first annual house price decline in 11 years experts give their take on what’s next for house prices.
inews.co.uk
Why HSBC is pulling mortgage deals, how much rates are rising, and what it means for youHSBC is the latest of dozens of lenders to pull or up rates in the past few weeks - doing so with immediate effect
Mortgage Professional
Big lenders announce mortgage product changesHSBC withdraws certain products, Nationwide adjusts rates
inews.co.uk
‘I’m remortgaging from 1% to a rate three times higher’: The people exiting rock-bottom dealsHomeowners have spoken of having to make cutbacks as their mortgage rates increase
inews.co.uk
When fixed rate mortgage deals could come down, according to expertsRates have been creeping up over the past few weeks since the latest inflation figures were released
FTAdviser
Brokers call for more lender innovation after Skipton 100% mortgage launchThe launch by Skipton Building Society of a deposit-free mortgage, specifically aimed at renters has taken the headlines by storm.
Express.co.uk
High interest rates ‘temporary’ and may slide back to pre-Covid levelsAmid a period of surging mortgage rates, analysts predict interest rates are likely to revert to pre-pandemic levels.
Financial Reporter
Interest rates to return to pre-pandemic levels when inflation is tamed: IMFThe International Monetary Fund has said that “recent increases in real interest rates are likely to be temporary