Elliott Culley's Media Coverage

Daily Mirror

Brokers from across the UK have analysed the direction of travel

The Sun

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

Daily Express

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

Daily Express

Don’t get too excited, it could flip fast

Sky News

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

Daily Mirror

An expert has labelled the change as ‘extreme’

Property Portfolio Investor

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.

Daily Mirror

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

Lancs Live

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

Hull Live

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

GB News

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.

GB News

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

Express.co.uk

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

Express.co.uk

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

Estate Agent Today

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

GB News

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.

GB NEws

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.

what MORTGAGE

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

This Is Money

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.

Express.co.uk

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

Express.co.uk

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

Birmingham Live

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.

Chronicle Live

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...

Express.co.uk

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

FTAdviser

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

Property Portfolio Investor

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.

Daily Record

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

Express.co.uk

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

Express.co.uk

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

Yorkshire Live

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

Birmingham Live

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

Chronicle Live

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

The Sun

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…

FTAdviser

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.

Express.co.uk

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

Express.co.uk

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.

FTAdviser

Nationwide has raised mortgage rates after “grim”

The i Paper

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

Eastern Daily Press

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

Bradford Telegraph and Argus

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

Oxford Mail

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

Southend Echo

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

Wandsworth Times

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

The Money Pages

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.

Express.co.uk

Policymakers are meeting today to decide on rates.

Birmingham Live

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

FTAdviser

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

What Mortgage

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

Birmingham Live

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.

Express.co.uk

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

Mortgage Soup

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...

Express.co.uk

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.

Express.co.uk

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

Property Soup

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...

Express.co.uk

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

Express.co.uk

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.

Express.co.uk

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

Mortgage Solutions

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.

Introducer Today

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

This Is Money

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

Newspage News

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...

Mortgage Solutions

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

The Sun

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…

Birmingham Live

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...

GB News

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

Introducer Today

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.

The Sun

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…

Express.co.uk

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.

The Sun

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…

Mortgage Solutions

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

Daily Mirror

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

Moneyweek

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

This Is Money

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

inews.co.uk

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

The Money Pages

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

London Business News

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

What Mortgage

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…

Financial Reporter

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.

The Intermediary

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

This Is Money

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.

The Intermediary

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

CityAM

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

Sky News

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,...

The Mirror

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

Birmingham Live

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

CityAM

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

Birmingham Live

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

BBC News

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

Yahoo Finance

Bets tick up on interest rate cuts.

The Intermediary - Latest UK mortgage news

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.

The Independent

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

FTAdviser

'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.

This Is Money

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

Daily Mail

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.

The Intermediary

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

The Telegraph

Higher mortgage rates and punitive property levys wipe out potential profits

Yahoo News

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

The Intermediary

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

inews.co.uk

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

Birmingham Live

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

The Intermediary

November witnessed a 0.2% increase in UK house prices, the most significant annual improvement since February 2023.

The Intermediary - Latest UK mortgage news

Brokers welcomed the news and said it should boost the property market as the year draws to a close.

Mortgage Solutions

The revolving door of the housing minister is actively harming the sector, holding back the chances of building enough homes, brokers have argued.

The Telegraph

Record number of homes left empty blamed on probate backlog

The Times

The cheapest two-year mortgage rates have fallen below 5 per cent for the first time since the middle of June as hopes grow that the worst of the mortgage crisi

inews.co.uk

Several brokers told i they expect some lenders to cut their rates significantly to gain more customers

inews.co.uk

Several brokers told i they expect some lenders to cut their rates significantly to gain more customers

FTAdviser

The launch of a two-year fix by Virgin Money “may be the quickest way we will see sub-5 per cent short-term deals in the coming months,” EHF Mortgages managing director, Justin Moy, has argued.

Financial Reporter

Virgin has also launched new exclusives and reduced existing rates.

Birmingham Live

Brokers said the percentage fee on the 2-year fixed rate is arguably more interesting than the rate itself, with one stating Virgin has taken “a leaf out of Skipton’s book”.

The Intermediary

Brokers said this lack of lending across the industry as a whole has been the main contributor to the rate war in recent months.

inews.co.uk

Inflation has been falling steadily since the end of 2022 according to official figures

FTAdviser

Brokers have raised concerns after incorrect content around interest-only mortgages was published on comparison website, Compare The Market.

Mortgage Professional

Borrowers need to weigh up the overall cost of the product, brokers say

The Intermediary

More and more lenders are announcing they are cutting rates but are not actually revealing those cuts until the next day, frustrating brokers.

Mortgage Professional

One expert believes competitive 4% mortgage rates could arrive in days or weeks

BirminghamLive

Brokers said this looks to be the cheapest 2-year fixed they have seen for months.

Mortgage Professional

It will also introduce new products under its new business range

The Intermediary

Falling borrowing costs and improved sentiment could see more buyers enter the fray soon, increasing competition for first-time buyers.

Financial Reporter

Rates are reducing across the lender’s residential, buy-to-let, new build and Government scheme product ranges.

The Intermediary

From tomorrow, the Society will introduce reductions across its residential, buy-to-let, new build and Government scheme product ranges.

Mortgage Solutions

The Mortgage Works (TMW) has reduced rates across select limited company mortgages by as much as 0.5 per cent.

The Intermediary

Newspage asked brokers what level they think average 2-year fixed rates need to drop to in order to reignite the property market.

The Intermediary

The reductions include a 2-year fixed rate at 5.99%, with a 3% fee, available up to 75% LTV.

Mortgage Solutions

Heightened buy-to-let stress rates are leading landlords to diversify into specialist property types and look for alternative solutions.

The Intermediary

In its August House Price Index, Nationwide stated that the biggest decline in transactional terms was in detached houses.

The Intermediary

Q2 2023 saw 84% of remortgaging deals being internal product transfers.

Financial Reporter

Brokers discussed why NatWest is taking a different path from Santander.

Express.co.uk

People renewing their mortgage over the next 12 months could be £3,456 worse off on average each year.

Landlord Today

Landlords and brokers are up in arms about alleged profiteering by buy to let mortgage lenders’ arrangement fees.

The National

With the headline figure falling and core inflation refusing to budge, what next for Britain’s embattled households?

Mortgage Professional

Brokers discuss the future of the base rate

FTAdviser

Buy-to-let arrangement fees “border on profiteering” and are causing “extreme financial distress” to landlords, according to one broker.

The Intermediary

One landlord has described the fees as daylight robbery, while another said the fees “border on profiteering, as they are causing extreme financial distress to landlords.”

FTAdviser

The latest fall in average house prices in the UK could be a “catch-22” for first time buyers, some brokers have argued.

Express.co.uk

The Bank of England is expected to raise the Base Rate by a further 0.25 percent today, but brokers say this has already been “baked in” to fixed mortgage rates.

Daily Mail

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.

FTAdviser

NatWest’s increase in its buy-to-let stress rates is a “blow to landlords”, according to brokers.

Introducer Today

Interest rates WILL go up next week … and maybe after that

The Times

Cheaper mortgages could be available within weeks on the back of better than expected inflation figures that suggest interest rates are close to peaking. In the first piece of good economic news for the...

The Intermediary

Following a month of rising swap rates and lenders forced to suddenly withdraw products from market due to high demand, what do experts predict ahead of Wednesday’s results?

Mortgage Professional

Brokers discuss the downward trend

FTAdviser

It is “too early to tell” whether swap rates are on the way down Large Mortgage Loans founder and CEO, Paul Welch has stated.

This Is Money

The current average two-year fixed mortgage rate is now 6.66%, according to Moneyfacts.

Mortgage Professional

Brokers discuss fixed rates and variable offers

Financial Reporter

Brokers noted that rates are still available below 6% but predict rates to rise further.

The Guardian

Mortgage rates hit highest since last autumn, adding to squeeze on borrowers

Reuters

Two-year fixed-rate borrowing costs for British home-buyers topped 6% on Monday, reaching their highest since the period after September’s “mini-budget” crisis and adding to strains that are weighing on...

The Intermediary

Many in the financial services industry are bracing themselves for the fallout from another interest rate hike.

Mortgage Solutions

Mortgage 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.

FTAdviser

Many mortgage brokers have said they would not be in favour of a government intervention on mortgages at this point, and that instead the government should focus on getting inflation under control.

This Is Money

Repayments on new mortgages accounted for an average of 20 per cent of borrowers’ gross incomes between January and April, according to trade body UK Finance.

Mortgage Solutions

Brokers have called for mortgage lenders to be more “brave and bold” in their rate cuts, and move beyond “cherry picking” the best borrowers.

Financial Reporter

With fixed rate mortgage rates edging down, PR platform, Newspage, asked brokers when they may drop below 4%. Some believe it’s imminent, others believe it could be some time yet.

The Intermediary

The value of gross mortgage advances in Q3 was £85.9 billion, £8.0 billion greater than the previous quarter.

Mortgage Professional

Experts predict a much different Q4 with the ‘catastrophic’ mini-budget

IFA Magazine

Today’s Bank of England Q3 mortgage report which was published earlier this morning, has provoked a lot of responses from brokers on the PR Platform, Newspage

FTAdviser.com

The value of new mortgage commitments was the highest recorded since 2007 on the eve of the mini Budget which brokers say has since torpedoed demand