Brokers from across the UK have analysed the direction of travel

Update today 'could mean end of mortgage rate cuts' say brokers

KEIR Starmer has thrown in the towel as PM, paving the way for Andy Burnham to take charge.

Starmer has resigned as PM – from holiday spending to mortgages, here’s what it means for your money

The Prime Minister’s resignation has sparked investor anxiety and inflation fears.

FTSE 100 ‘rebounds’ after Starmer quits as PM - but gilts face ‘upward pressure’

Don’t get too excited, it could flip fast

Halifax follows HSBC, Santander, TSB with ‘positive’ news for customers

Mortgage overpayments are an increasingly publicised means of mitigating higher interest rates.

Typical homeowner could save £31,000 in interest - so why don't experts agree on overpaying your mortgage?

An expert has labelled the change as ‘extreme’

Virgin Money customers set for ‘extreme’ change from tomorrow

Barclays has increased mortgage rates by up to 0.15%, following similar moves by HSBC and Nationwide, as rising inflation and swap rates pressure borrowers.

Barclays becomes latest lender to raise mortgage rates as pressure builds on borrowers

It’s been called a good thing, but experts have issued a note of caution as well

NatWest customers could get £37,500 extra in new update

The process could take you between six and nine years to complete

Nationwide issues £320 a month warning to customers

The number of properties available for purchase across Britain has reached its highest point in more than eight years, according to new research from Zoopla.

Housing market hits highest level in eight years: 'The best year for property since the financial crisis'

Renters can now buy a home without putting down any deposit, offering what some in the industry describe as a genuine route into homeownership

Mortgage alert: Renters can now buy a home without a deposit under new deal - 'genuine route onto the ladder'

Experts predict this move will be followed by other major banks.

Major bank to reduce mortgage rates that could cause ‘rates war’ between lenders

The lender has also introduced new affordability stress rates, in another boost for homebuyers.

HSBC slashes interest on mortgages in first cuts of 2026 as ‘rate war’ brews

Brokers have hailed a “statement of intent” from HSBC after it became the first lender to cut mortgage rates in the new year.

New year starts with new mortgage rate cuts

HSBC has become the first major UK lender to cut mortgage rates in 2026, announcing reductions across a wide range of residential and buy-to-let products from January 5.

Mortgage WIN as HSBC fires starting gun on 2026 rate cuts: 'First lender to show their hand in the New Year'

Mortgage analysts are warning that "house prices will continue to stall in 2026" after data from Nationwide Building Society found a dip in property prices towards the end of last year.

Nationwide Building Society issues property market update as 'house prices will continue to stall in 2026'

Barclays has cut its mortgage rates for the second time in a week and other lenders have announced price reductions.

Mortgage rate cuts keep coming: Advice to borrowers - what MORTGAGE

House prices for those buying their first property have outpaced the rest of the market because it is now easier to get a larger mortgage, according to Zoopla.

First-time buyers battle rising house prices of as much as 10%

Brokers have said the move marks a “significant” moment for the mortgage market.

Major bank re-launches sub-4% interest mortgage deals in ‘market turning point’

Other banks and building societies may follow suit, experts warn.

Nationwide Building Society to raise mortgage interest rates by 0.2% in new blow

Brokers and financial experts warned that this could be the “beginning of the end of low rates” and it will likely mean the Bank of England (BoE) will not go any lower than its 4% base rate.

Nationwide makes rule change which could be ‘beginning of the end’

Nationwide Building Society has cut rates by up to 0.21 percentage points, following similar reductions by TSB, which has cut selected deals by up to 0.30%, and Santander, which reduced some fixed rates earlier this week by up to 0.16%

Nationwide, Santander and TSB cut mortgage rates in ‘bold’ move

The latest reductions are a boost to hard-pressed borrowers taking out new loans.

‘Bold’ moves by Nationwide, TSB and Santander in tit-for-tat home loan war

Mortgage brokers have praised the latest BBC Panorama investigation, describing it as a “damning indictment” of

BBC investigation ‘damning indictment’ of conditional selling, say brokers

Santander cuts selected 2 and 5-year fixed remortgage rates, prompting brokers to suggest lenders increasingly believe a Bank of England rate cut is imminent.

Santander slashes remortgage rates as brokers hint at incoming Bank of England cut

A significant change will come into play from Wednesday that will affect thousands of money-minded consumers

Customers of three UK banks issued warning over change starting today

A 0.2% rate hike would mean paying around £24 more a month

Barclays and HSBC customers could be around £288 worse off

The lending landscape has been described as a “minefield”.

Anyone with Barclays or HSBC mortgage warned of major new change starting today

Earlier today, HSBC confirmed it is raising rates across its fixed range by up to 0.25 per cent

HSBC, Barclays and NatWest bank account holders issued warning from tomorrow

The move follows similar increases launched today by HSBC and comes just hours after NatWest said it was cutting rates from the same date.

Warning for anyone banking with NatWest, Barclays, HSBC from tomorrow

The average mortgage is around &#xA3;132,378, 0.25% of which is around &#xA3;330 a year or an extra &#xA3;28 a month

Nationwide customers hit with ‘cruel’ £330 rise

EXPERTS are warning first-time buyers to act swiftly, as the cheapest mortgage deals could soon be off the table. Those looking to step onto the property ladder should consider locking in these rat…

Warning for first-time buyers as sub-4% mortgage rates ‘hanging by thread’

US Treasuries have fallen on the back of Donald Trump’s tax cutting budget making its way through Congress and a downgrading of the US’s credit rating by Moody’s earlier this month.

Will unloved US Treasuries cause UK interest rate rise?

New rates could mean people are £360 out of pocket per year.

Nationwide customers may face £360 blow

A rise in inflation appears to have spelt the end of a series of mortgage rate cuts for borrowers with both Barclays and Nationwide increasing theirs.

UK households hit with £330 blow as Barclays and Nationwide hike mortgage rates

Nationwide has raised mortgage rates after “grim”

Nationwide raises mortgage rates after ‘grim’ inflation data

Halifax tempts customers with new deal as rates continue to drop across market

UK’s biggest mortgage lender launches rock-bottom 3.79% rate - but there’s a catch

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

Boom in low deposit mortgages hits 17-year high, say experts

Mortgage experts think an interest rate cut is more likely after US President Donald Trump announced tariffs on UK goods imported into the United States.

Will Trump’s tariffs increase chances of an interest rate cut in May?

Policymakers are meeting today to decide on rates.

Bank of England interest rates decision doubts as ‘cracks start to form’

Halifax is the latest lender to announce rate cuts, which will go live from tomorrow, Friday 7 March.

Halifax making big change to bank accounts which kicks in tomorrow

Low level parking fines are affecting some people’s credit scores and causing them to pay more for their mortgage, brokers have found.

Parking fines ‘wreaking havoc’ with people’s credit, say brokers

Nationwide and Leeds Building Society have become the latest lenders to cut mortgage rates.

Nationwide cuts mortgage rates: Should you fix a deal now? - What Mortgage

The high street banking giant, which is rivalled by the likes of HSBC UK, Santander, Lloyds, NatWest, Nationwide and more, has confirmed it will be reducing key mortgage rates from Tuesday, February 4.

Barclays bringing in mortgage rule change ‘starting from Tuesday’

Barclays has confirmed it will be reducing key mortgage rates from Tuesday, February 4

Barclays cuts mortgage rates - everything we know so far

Nationwide has yielded to market pressures and joined its high-street counterparts in raising selected fixed rates by up to 0.15% today, including rates across its New Business and Existing Customers Moving Home product ranges as well as its Switcher and Additional Borrowing ranges. The entire high

All eyes are on Threadneedle Street as Nationwide increases fixed rates up to 0.15% | News

The change comes at a time that the finance industry is putting pressure on the Chancellor Rachel Reeves to relax lending rules so allowing them to dish out more mega loans.

Nationwide ‘kick in the teeth’ as new £40,000 earnings rule issued

The banking giant has shared how people could claw back a small fortune

Santander says people with a mortgage can save thousands

With many choosing to ditch alcohol this January, research from Santander has shown that putting some – or all – of the money usually spent on booze each month towards mortgage overpayments could save homeowners thousands over the life of their mortgage. According to statistics from ONS, the average cost of a pint of lager […]

Homeowners could save thousands by using ‘Dry January’ cash boost to overpay mortgage

Two lenders may have already sparked the anticipated mortgage rate “war” ahead of January.

Lenders slash mortgage interest by up to 0.35% in start of ‘mini-rate war’

The new deal comes against the background of reports that mortgage rates are relatively high at the moment and likely to fall over the next few years.

Halifax launches unusually short fixed-rate mortgage

The future path of interest rates has been thrown into the air leaving customers confused say experts

Warning as lenders Barclays and Santander split on home loan rates

As rates fall, borrowers face the dilemma of whether to remortgage or do a product transfer – an issue being described as the ‘topic of the year’ among brokers.

To remortgage or product transfer is the ‘topic of the year’

Consensus remains that the Bank of England will cut rates by 0.25%

Bank of England “navigating treacherous waters” over rate decision - Introducer Today

Two major mortgage lenders are repricing mortgage rates, as the direction of travel remains uncertain.

Nationwide ups mortgage rates while Barclays cuts home loan prices

Santander is the latest lender to announce increases of up to 0.2% across the majority of its fixed rate range. Following the positive inflation figures published on Wednesday and with a base rate cut looking likely next month, mortgage rates should technically be going down. But experts say uncertainty ahead of the Budget is seeing […]

Mortgage rates continue to go up due to Budget “uncertainty”

Rate changes and the current challenging mortgage market have resulted in an increase in rebroking, some industry insiders suggest.

Rebroking increases amid rate changes and ‘erratic’ market

SUB 3% mortgages could be on the cards as the Bank of England hints at more “aggressive” rate cuts. It comes after a host of major lenders have made reductions to rates. The news follow…

Sub 3% mortgages ‘possible’ as BoE hints at ‘aggressive’ interest rate cuts

Nationwide said that from Tuesday, new borrowers could request a mortgage up to six times their income with a 5% deposit but it would only be available for those taking out a five or 10-year fixed-rate deal.

Nationwide makes change for any customer who owns a house in ‘huge win’

Nationwide, the UK's largest building society, has announced a significant boost for first-time buyers.

'Huge win for buyers' as Nationwide offers mortgages worth six times their income - but how will this affect the market?

10 brokers have been asked whether it’s cheaper to buy or to rent, the challenges people face in getting on the ladder and what should be considered.

To buy or to rent? That is the question! - Introducer Today

PAYING for somewhere to live each month is the biggest bill that most of us have to foot. But there can be a big difference in exactly how much this cost is, depending on whether you have a mortgag…

Is it cheaper to buy a house or rent? Property experts give their verdict

The move by Barclays follows a reduction earlier in the day from the TSB while other lenders are expected to follow suit over the next few days.

Barclays slashes mortgage rates although reductions come with a catch

BORROWERS can benefit from lower mortgage bills as major lenders slash rates – but with costs set to come down even further, should you fix now or hang on a bit longer? Barclays, HSBC, Nation…

What are the pros and cons of fixing your mortgage now? Experts explain

How much further mortgage rates will continue to fall has been thrown into doubt amid an ever evolving wider economic landscape.

Era of ‘rock-bottom’ mortgage rates is over – analysis

The Bank of England’s Monetary Policy Committee (MPC) will decide today whether it will finally cut interest rates from 5.25% - economists believe it could be likely, but it’s not a guarantee

Interest rates - Bank of England decision due as experts predict ‘close call’

The building society’s cheapest deal is now priced at 3.99%. Whether you’re buying or remortgaging, we look at whether rates could drop further in the coming months

Nationwide cuts mortgage rates as they dip below 4% for first time since February

The lowest five-year fixed rate mortgages are set to go below 4%, after Nationwide announced further cuts.

Best fixed mortgages dip below 4% after Nationwide cuts

Virgin Money and Clydesdale Bank latest to cut rates, with Halifax and Barclays set to follow, as lenders battle it out

Mortgage price war heating up with rates heading below 4 per cent this year

Mortgage rates have increased again this week with Barclays and TSB amongst the lenders raising prices.

Lenders hike mortgage prices: Advice to borrowers seeking new deals

Stay updated on the latest interest rate projections amidst inflation concerns. Find out if the Bank of England will hold rates steady this winter.

Interest rates expected to ‘hold’ amid worries ‘inflation will return’ this winter

The general election is taking place on 4 July. Will a new government be the answer to mortgage-borrowers prayers or is the prospect of affordable repayments just a D:Ream? We found out…

General Election 2024 – how will it impact mortgage rates?

Today, Rishi Sunak called a surprise early election for the 4th July 2024 in a high-risk move, with the Conservatives trailing 20 points behind Labour in the polls.

Rishi Sunak announces high-risk general election in July 2024

The mortgage options for construction sub-contractors have increased by a third over the past year, mortgage brokers specialising in this field have said.

Lenders are increasingly adapting their lending policies to suit construction subcontractors

HSBC has reduced the rates on its two, three and five-year deals with a deposit of less than 10%, while also hiking rates for those with larger deposits.

Boost for borrowers as Santander, HSBC and Barclays cut mortgage rates

The changes will come into effect from tomorrow (21st March 2024).

NatWest makes “encouraging” changes to new business mortgage products

The proportion of UK mortgages in arrears rose to its highest since 2016 last year, as borrowers were squeezed by high interest rates.

Mortgage arrears surge 50 per cent to seven-year high

NatWest is increasing rates for existing borrowers from tomorrow. Read this and all the latest consumer and economic news in the Money blog. Leave your money problem, or comment on any of our stories, below.

Money blog: NatWest increases mortgage rates for existing borrowers

The uprating follows similar moves by other lenders this week, including Santander, Coventry, and TSB.

HSBC to increase mortgage rates from tomorrow in ‘hammer blow’ to market

It follows other lenders this week, such as Santander, Coventry and TSB.

HSBC changes accounts ‘across the board’ and it’s a ‘hammer blow’

Mortgage lenders are increasingly raising rates on their home loan products amid uncertainty over the UK economy.

Remortgaging rates tick up as lenders bet on ‘captive audience’

This continues a common trend last week with other high street lenders.

Halifax and HSBC announce key change to accounts ‘from this morning’

The bank’s small increase comes as other major lenders are cutting rates amid fierce competition.

Santander ups mortgage rates despite fierce competition

What UK retail sales slump reveals about recession and interest rates

Lenders are not letting a small increase in inflation spoil the recent pattern of fixed rate cuts, with both Santander and Skipton announcing cuts this morning.

Santander and Skipton “shrug off” inflation data with further mortgage rate cuts

Average rates offered on home loans are continuing to edge down.

Mortgage rates chopped further as lenders unveil further reductions

'The January mortgage fire sale is firmly underway' as major lenders Barclays and Santander announce rate reductions, according to EHF Mortgages managing director, Justin Moy.

January mortgage fire sale ‘firmly underway’ following rate cuts

Barclays and Santander have become the latest lenders to announce cuts to their mortgage rates, including sub-4% offers.

Barclays and Santander next major lenders to cut mortgage rates

Halifax, the UK’s largest lender, became the first company to slash rates on its remortgage deals by up to 0.83 percentage points yesterday, just hours into the first working day of the year.

New Year mortgage price war breaks out as Halifax cuts fixed rates

The Nationwide Building Society’s house price index for 2023 shows a 1.8% decrease in UK house prices compared to the previous year.

UK house prices drop 1.8% in 2023, Northern Ireland and Scotland see rises

Higher mortgage rates and punitive property levys wipe out potential profits

‘Avalanche of landlords’ to sell before tax breaks cut in half

Landlords are rushing to sell their properties before tax breaks on investment profits are cut in half.

In addition, around four in 10 (40%) adults reported that affording their rent or mortgage payments remained very, or somewhat, difficult.

39% of adults say they will not be able to save money in the next 12 months – ONS

Mortgage deals have fallen in recent months, and brokers have said they expect lenders to continue cutting rates in the coming weeks, with five-year fixed mortgages potentially going to below 4 per cent

The average mortgage fee now costs over £1,000 - here’s how to pay less

House prices inched up by 0.2% last month, compared with October, Nationwide revealed in its monthly House Price Index.

£36k warning issued to anybody who has Barclays, Lloyds, HSBC, NatWest mortgage

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