Emma Jones's Media Coverage

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Daily Express

Mortgage expert explains 'common reason' for rejection and what to do next

It can be devastating if you've found your dream home

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PINNED

The Sunday Times

How to make a fortune flipping property

For most of us moving house is an exhausting, stressful and, thankfully, infrequent experience. But Emma Jones is not like most of us.Over the past decade Emma

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The Times

'A false parking fine cost me a mortgage’

Having a country court judgment against him after fraudsters cloned his number plates left Eren Mehmet struggling to get a loan. His case is far from unusual

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Daily Express

Nationwide and Halifax changes as customers face ‘uncertainty’

Experts have given a summary of how things stand

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AOL.com

New alert to 100,000 people in England and Wales as ‘affordability drops overnight’

Experts have explained the major impact such a life event can have when it comes to money

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Daily Express

New alert to 100,000 people as ‘affordability drops overnight’

Experts have explained the major impact such a life event can have when it comes to money

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Daily Mirror

Everything to know as Santander confirms extra cost for UK customers

Santander followed Halifax earlier this week

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Daily Express

Santander customers hit with extra costs warning 24 hours after Halifax change

The bank has announced certain terms are changing.

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Daily Express

UK mortgage borrowers told ‘lock in as soon as possible’

Renewed tensions could mean the road remains bumpy, experts say

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Thisismoney

Two more lenders hike mortgage rates ahead of Bank of England interest rate decision on Thursday

More lenders have pushed up their mortgage rates ahead of the Bank of England's interest rate decision on Thursday.

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AOL.com

UK Santander customers told of new extra cost after Monday Halifax announcement

Experts have explained that it is ‘where the market is heading’

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Daily Mirror

UK Santander customers told of new extra cost after Halifax update

Experts have explained that it is ‘where the market is heading’

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Daily Express

Brits warned of one ‘relatively minor mistake’ causing mortgage ‘nightmare’

The mistake can end up costing mortgage holders ‘thousands of pounds extra’ in interest payments.

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Daily Mirror

Unpaid parking fines ‘can mean losing home’ as record numbers issued

Experts have explained how a seemingly minor issue can spiral into a major problem

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Daily Mirror

‘I was rejected for three mortgages because of parking fines’

It might seem minor, but can have troublesome knock-on effects

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Daily Express

Nationwide announces new rule for customers ‘from today’

Sounds helpful, but don’t get carried away

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The Independent

Mortgage rates fall at fastest pace in almost two years – but experts issue warning

The ceasefire in the Middle East pushed rates to drop – but the reverse could happen if hostilities ramp up

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Daily Mirror

New concern for borrowers looking for new mortgage amid latest Iran war flare-up

A wave of mortgage lenders have trimmed the cost of new fixed rate deals over the past month but fresh tensions in the Middle East throw further cuts into doubt

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Cambridgeshire Live

Barclays update as borrowers told to ‘sharpen their pencils’

Barclays has new details for customers

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Cambridgeshire Live

Barclays update as borrowers told to ‘sharpen their pencils’

Barclays has new details for customers

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Daily Express

Barclays brings ‘good news’ update for borrowers

Finally, a tiny bit of relief

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Daily Mirror

Important Monday update for anyone taking out a UK mortgage

Mortgage brokers and property experts have hailed Trump’s Middle East peace deal, but also issued a note of caution

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Daily Star

‘I’m a broker and people with low credit can still get mortgages’

In fact it can help to improve your score, she said

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Daily Mirror

‘I’m a broker and people with low credit can still get mortgages’

In fact it can help to improve your score, she said

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Daily Mirror

People with mortgage deals ending soon ‘should act now’

Continued global tensions mean nothing is set in stone

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Chronicle Live

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Cambridgeshire Live

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Daily Express

Halifax announces change for customers as Nationwide issues update

Feels like a brief breather, not a turning point

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Wales Online

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Yorkshire Live

Nationwide, Virgin, NatWest customers among those told ‘be quick’

Anyone looking to lock in a deal is being urged to do it quickly

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Daily Mirror

‘May 21’ alert for customers after Nationwide, Virgin make changes

Experts warn things could be about to change again

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Daily Star

‘May 21’ alert for customers after Nationwide, Virgin make changes

Experts warn things could be about to change again

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Daily Express

Nationwide, Santander, NatWest customers among those given ‘May 21’ alert

Lenders including Nationwide, Virgin Money and NatWest have been making changes in recent weeks

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What Mortgage

Mortgage rate cuts: Which lenders reduced prices this week?

Nationwide, NatWest and Virgin are among the lenders to have cut mortgage rates this week but borrowers are being warned these price reductions may not last.

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Hackney Gazette

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Reading Chronicle

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Hexham Courant

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Thisismoney

Nationwide slashes mortgage rates to offer cheapest two-year deal on the market

Britain's biggest building society is slashing mortgage rates and will now offer the cheapest fixed deal on the market.

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Daily Express

New Nationwide update from customers with change ‘from Tuesday’

It’s been welcomed, but with caution

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Daily Mirror

New Halifax update given to customers ‘but could be short-lived’

There was good news for customers announced on Tuesday afternoon

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Daily Mirror

NatWest, Barclays and TSB new updates as customers told ‘act fast’

NatWest, Barclays and TSB have all announced further cuts

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Chronicle Live

Consequences for your loved ones if you die without paying off your mortgage

Taking advance action can avoid families having to face a ‘hard reality’

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Daily Express

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

Don’t get too excited, it could flip fast

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Glasgow Live

What happens to your mortgage when you die as ‘reality hits hard’

Expert warns of consequences for loved ones if you die with outstanding mortgage debt as family homes could be sold

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Daily Mirror

‘Reality can hit hard’ if you die without paying off mortgage

An expert said it was becoming more common

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What Mortgage

Mortgage options fall as deals face shorter shelf lives

The typical ‘shelf-life’ of a mortgage has fallen to a record low of just eight days – a lifespan not seen since records began in 2011.

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Glasgow Live

Nationwide customers face new £360 cost from today after decision

The past couple of weeks have been rough for people in this position

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Daily Mirror

Nationwide brings in ‘new £360 charge’ for customers from today

The past couple of weeks have been chaos

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Mortgage Solutions

The Retirement Studio launches as AR of Rosemount Financial Solutions

Financial advice firm The Retirement Studio has launched as a protection and financial planning AR of network Rosemount Financial Solutions.

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FT Adviser

The Retirement Studio becomes an AR of Rosemount

The Retirement Studio has become a protection and financial planning appointed representative of Rosemount Financial Solutions to avoid the operational burden of becoming directly authorised.

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The Intermediary

The Retirement Studio launches as appointed representative of Rosemount Financial Solutions

The Retirement Studio has launched as a protection and financial planning appointed representative of Rosemount Financial Solutions.

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Express.co.uk

Nationwide and Virgin Money customers ‘hit with new £360 charge’

Anyone currently in this position must be wondering what’s happened over the past fortnight

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Express.co.uk

Key Nationwide update for customers but it ‘could be derailed’

It’s been a turbulent weekend on the world stage

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Daily Mirror

Nationwide gives ’10% rise’ update but weekend events ‘could derail’

Experts have given their verdict after a turbulent weekend on the world stage

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Express.co.uk

Nationwide slashes mortgage rates to 3.54% in ‘great news’ for market

The wider industry has reacted to the news, with brokers suggesting the cuts could prompt other lenders to follow.

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Thisismoney

Nationwide cuts mortgage rates - could it trigger a new price war?

Nationwide Building Society has announced it is cutting mortgage rates by up to 0.16 percentage points.

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Thisismoney

Mortgage rates back on the rise? Three more major lenders hike home loan prices

Mortgage rates are back on the rise, as three major lenders hiked the interest on their home loans today.

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what MORTGAGE

Mortgage choice hits ‘milestone’ as rates continue falling - what MORTGAGE

2026 is set to be a ‘booming’ year for the mortgage market thanks to falling rates and an ‘abundance’ of deals for borrowers to choose from.

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GB News

Mortgage deals hit highest level since 2007 in 'huge milestone' with 7,158 products currently available

Homebuyers now have access to more mortgage options than at any point in almost two decades, according to new industry data.

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Birmingham Live

Number of mortgage deals available highest since 2007

“Now is an excellent time to buy or move,” one broker said

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GB News

House prices drop £1,789 as Halifax says affordability improves: 'Green light for many first-time buyers!'

Average UK house prices fell last month with an improvement in affordability for first-time buyers, the latest figures from Halifax show.

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Express.co.uk

City experts bet on a Bank of England interest rate cut before Christmas

Markets are putting the odds of a move next month at nearly 90%

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Birmingham Live

Nationwide and Virgin Money announce ‘significant’ mortgage rate cuts

First Time Buyer, Home Mover, Existing Customers Moving Home and Remortgage products are all included

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Grimsby Live

Santander ‘debunks myth’ after helping 70year-old buy home

Figures show a sharp rise in people over 60 buying their first home

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Essex Live

Santander ‘debunks myth’ after helping 70year-old buy home

Figures show a sharp rise in people over 60 buying their first home

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Somerset Live

Santander ‘debunks myth’ after helping 70year-old buy home

Figures show a sharp rise in people over 60 buying their first home

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Birmingham Live

UK economy grows slower than expected by just 0.1% as ‘Britain on life support’

It comes ahead of Chancellor Rachel Reeves’ Autumn Budget later this month

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Express.co.uk

Major UK building society promises to keep all branches open until 2030

The move has been described as a ‘shot in the arm for our high streets and local communities’.

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Estate Agent Today

Buyers urged to lock-in low mortgage rates before Budget

Two major mortgage lenders have cut rates in what brokers describe as a pre-Budget rush.

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Birmingham Live

Barclays, Accord, Leeds Building Society cut mortgage rates to as low as 3.73%

It comes after other lends cut rates including TSB

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what MORTGAGE

‘Decade-high’ number of properties for sale, says Rightmove - what MORTGAGE

There is a decade-high number of properties on the market meaning sellers are having to lower their pricing expectations, according to Rightmove.

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Swindon Advertiser

Halifax closing more high street branches as experts say ‘it comes at a cost’

Halifax is closing more of its high street branches as part of a wider wave of bank closures across the UK.

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Freelance Informer

Property Experts Sceptical Over Latest Property Reform

A NewsPage report captures the tension between government ambition and industry cynicism regarding regulatory change in the property sector.

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Express.co.uk

‘Labour’s home-buying shake up is just a rehash of policies that already failed’

Emma Jones, Managing Director at Runcorn-based Whenthebanksaysno.co.uk, gives her verdict on Keir Starmer’s latest relaunch…

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Birmingham Live

98% of adults living with parents can’t afford to buy first-time buyer home

“The problem is the cost of everything,” one finance expert lamented

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Express.co.uk

Stubborn inflation leaves experts all saying same thing about interest rates

Mortgage brokers have shared their verdict on what today’s inflation data means for interest rates.

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Express.co.uk

HSBC delivers bad news for home buyers amid fears of ‘Doom Budget’

The bank has increased rates across a wide range of fixed deals

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Express.co.uk

Low deposit mortgages hit 17-year high as lenders ‘bend over backwards’

There are currently more than 1,300 low-deposit mortgages on the market, new data shows.

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Birmingham Live

Autumn ‘doom budget’ fears ignite after HSBC hikes residential mortgage rates

One expert warned that “every day you wait could cost you.”

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Express.co.uk

Massive mortgage hikes loom as warning over Rachel Reeves’s ‘doom Budget’

Reports suggest Ms Reeves is considering a range of measures to raise revenue without breaking Labour’s pledge not to increase income tax, VAT or National Insurance.

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Yorkshire Evening Post

House prices here in Leeds remain feisty as UK average approaches £300,000

House prices remain feisty in Leeds as the UK average leapt to a new record high - and could hit £300,000 by the end of the year.

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Birmingham Live

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

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.

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Daily Telegraph

Property tax speculation could send prices lower, warns agent

Property professionals warned tax fears could send house prices down further in the coming months.

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Express.co.uk

UK economic crisis worsens as house prices fall piling more pressure on Reeves

The UK economy crisis has worsened as house prices have suffered a surprise fall, with experts warning “confidence is fragile” in the market

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Birmingham Live

Inflation rises to 3.8% as borrowers will be ‘looking back in anger’

CPI rose by 0.1% in July 2025, compared with a fall of 0.2% in July 2024

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City AM

Rental crisis in London worsens: ‘Payments border on the obscene’

London’s housing crisis continues to worsen, with demand for accommodation far outpacing supply in the capital.

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what MORTGAGE

Mortgage possessions climb following steep repayment hikes - what MORTGAGE

Mortgage possession claims have increased sharply in the last year as borrowers struggle to keep up with higher monthly repayments.

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Express.co.uk

Property finance expert reveals what Brits must do after interest rate drops

EXCLUSIVE: Emma Jones, Managing Director of When The Bank Says No, reacts to news today that the Bank of England has once again slashed interest rates

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This Is Money

House price affordability rises to highest level in a decade

The price of a typical home is roughly 5.75x average income, a ratio ‘well below’ the all-time high of 6.9 recorded in 2022.

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Birmingham Live

Nationwide says homes in the UK ‘most affordable’ in over a decade

The news has been welcomes as “a small win for buyers”

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Birmingham Live

Cash ISA rule change still on cards as Rachel Reeves lays out plans

Ms Reeves has confirmed a cash ISA shake-up could be coming as she slashed red tape at her Mansion House speech.

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The Sun

Boost for first-time buyers as new rules come in to make it easier to get a bigger mortgage

FIRST-TIME buyers could find it easier to get a bigger mortgage under new lending rules coming in this week.

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Express.co.uk

UK tourism to Spain ‘could collapse’ amid new scheme ‘adding fifth to price’

Industry experts say the new ‘anti tourist’ law brought in yesterday could see availability of apartments plunge

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Birmingham Live

Mortgage approvals up for first time since December 2024

Approvals for remortgaging have also seen an increase in the latest data

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FTAdviser

‘A powerful tool’: Gen H launches interest-only product

Gen H has announced the staged launch of an interest only proposition intended to help affordability for homemovers, remortgagers and, critically,

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FTAdviser

Brokers warn buyers to be wary of fire safety shortcut practices

have urged borrowers to be wary of estate agents pressuring them to make fire safety shortcuts when buying a property.

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FTAdviser

Another 100% mortgage hits the market

Gable Mortgages has become the second lender to launch a 100 per cent LTV mortgage in just a matter of days.

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What Mortgage

Another 100% mortgage lands: Will more no-deposit deals follow? - What Mortgage

A new no deposit mortgage has hit the market and is being targeted at keyworkers and first-time buyers.

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FTAdviser

Protection advisers say loaded premiums could be next mis-selling ‘scandal’

advisers have criticised the use of loaded premiums and said it could become a “future mis-selling scandal” and destroy trust in the industry.

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This Is Money

Home buyers offered 100% mortgage: Who can get it?

The new mortgage means someone earning £40,000 a year could potentially buy a home worth £179,600 - even without any savings.

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Express.co.uk

British growth surge could stall Bank of England rate cuts

The upbeat performance defies earlier warnings of a crisis in business confidence

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Express.co.uk

Two major lenders slash rates as borrowers to cash in on ‘summer mortgage war’

HSBC and Santander have announced cuts to their mortgage interest rates, as other lenders look likely to follow suit, experts claim.

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Express.co.uk

Mortgage borrowers urged to act now as cheap 3.89% rate disappears

The decision by one lender to raise rates, after reducing them earlier in the week, has prompted experts to warn mortgage borrowers to review their finances.

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London Property News

‘Go go go!’ Coventry goes sub 4% on 2-year fixed rates

Amid all the ongoing market turmoil, Coventry Building Society has today gone sub-4% on a 2-year fixed rate (at 65% LTV with a £999 fee). The lender is reducing all…

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What Mortgage

Lenders cut mortgage rates amid tariff turbulence - What Mortgage

Coventry Building Society is among the lenders who have cut mortgage rates this week amid the economic turmoil created by President Trump’s tariffs.

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FTAdviser

Trump tariffs may ‘single-handedly’ rescue UK housing market

Trump’s tariffs “may be single-handedly rescuing the UK housing market” after SONIA swap rates tumbled following the president’s ‘liberation day’ announcement.

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FTAdviser

Loughborough BS praised for allowing minor credit blips

Loughborough Building Society has launched a “bold and pragmatic” lending policy change by programming its systems to accept minor credit blips.

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London Property News

Loughborough Building Society described as ‘bold and pragmatic’ as it programs its systems to accept minor credit blips

Loughborough Building Society described as “bold and pragmatic” as it programs its systems to accept minor credit blips…

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Devon Live

Santander mortgage changes could help you borrow up to £35K more

The move follows the government asking regulators to create an environment that fosters growth and guidance from the FCA to banks earlier this month where it set out steps to support home ownership.

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Express.co.uk

Santander loosens affordability rules for borrowers in mortgage shake-up

Santander has changed its affordability rules, enabling people to borrow up to £35,000 more

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FTAdviser

Santander loosens affordability criteria in line with FCA wishes

Santander has loosened affordability criteria in line with the wishes of the Financial Conduct Authority, with brokers calling it a “brave move” from the lender.

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Daily Mail

Hopes of interest rate cuts are boosted as inflation eases to 2.8%

UK inflation eased by more than expected last month to 2.8 per cent, new official figures show, delivering a boost to Chancellor Rachel Reeves ahead of her spring statement.

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Daily Telegraph

Landlords face £28k bills to meet Labour’s net zero target

Buy-to-let owners on ‘cliff-edge’ as cost of eco upgrades dwarfs official estimates

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FTAdviser

Santander branch closures ‘forced migration’ for older clients

Santander’s decision to close many of its in-person branches is a “forced migration” for its elderly customers, Respect Mortgages managing director, Sean Horton, has argued.

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What Mortgage

Will the Bank of England cut interest rates this week? - What Mortgage

There is a low chance the Bank of England will reduce interest rates again tomorrow but two more cuts are expected before the end of 2025.

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London Property News

Halifax rate changes suggest ‘markets expect base rate cuts this year but are less sure about 2026 onwards’

Halifax rate changes suggest ‘markets expect base rate cuts this year but are less sure about 2026 onwards’ ..…

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London Business News

FCA risks opening the floodgates ‘to riskier lending and systemic instability’

FCA risks opening the floodgates to riskier lending and systemic instability with proposed changes to stress testing rules.

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FTAdviser

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

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

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What Mortgage

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

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

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The National

Nationwide cuts mortgage rates following Barclays, Santander and Yorkshire

Nationwide has announced mortgage rate cuts from today, following rate drops by Barclays, Santander and Yorkshire

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Birmingham Live

NatWest makes change to accounts in move that ‘could trigger domino effect’

Remortgage borrowers look to be the biggest winners with this particular reprice, with cuts of up to 0.36%.

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Birmingham Live

Urgent warning issued to millions of UK households on fixed-rate mortgage

Swap rates, which set the figure at which banks borrow from one another, have been falling in recent days and these are expected to bring reductions on fixed rate deals.

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Express.co.uk

Mortgage rates set to fall as markets bet on Bank of England rate cuts

A number of leading lenders, including the Halifax and Barclays, have already introduced reductions recently and there are expectations of more to come.

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Mortgage Soup

Halifax cutting mortgage rates by up to 0.3% ‘could trigger a chain reaction’ | News

The Halifax is cutting rates by up to 0.3% on selected mortgage products tomorrow. Homemover and first-time buyer products will see rate reductions on selected products up to 0.11% and product transfer...

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Mortgage Soup

Mortgage approvals rise in December as borrowing rebounds | News

Net mortgage approvals for house purchases slightly increased to 66,500 in December, compared to a decrease of 2,300 in November, latest Bank of England data revealed this morning. Approvals for remortgaging...

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Express.co.uk

Santander says people with a mortgage can save thousands

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

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Property Soup

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

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...

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FTAdviser

Land Registry strike to cause ‘huge problems’ before SDLT changes

A strike by members of the Land Registry could cause “huge problems in the run-up to the stamp duty changes in April”, Helix Financial Partners managing director, Adam Stiles, has warned.

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FTAdviser

Mortgage rates will start with 3 next year

Mortgage rates are “likely to start with a three once more” with the market expecting a bumper start to the new year, Coreco managing director, Andrew Montlake, has said.

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City AM

London rents rise again as house prices hold: ‘It is nothing short of brutal’

Rents in London have continued to rise by double digits despite a stabilisation in the wider housing market.

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Mortgage Soup

NatWest cuts rates by up to 39bps “bringing some much-needed festive cheer to the mortgage market” | News

NatWest is making rate cuts of up to 39bps across selected purchase, remortgage and buy-to-let 2- and 5-year fixed rate mortgages tomorrow. Newspage asked brokers whether the tide is turning and if more...

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Birmingham Live

DWP under fire for Get Britain Working Again reforms which are ‘all so 1980s’

Jobcentre reform will be at the centre of the Labour Party government’s plans to “get Britain working again”, it has emerged today.

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Sky News

'The walls are closing in': Mortgage insiders react to inflation data

Some leading business figures have offered their reaction to the news that inflation rose sharply last month.

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Manchester Evening News

UK homeowners and first-time buyers warned as inflation rises above 2 percent

‘This is not the news anyone with a mortgage wanted to see’

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Financial News

When The Bank Says No Welcomes New Team Members

UK mortgage broker expands with two recruits, boosting diversity to meet demand.

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The Intermediary

When The Bank Says No expands team - The Intermediary - Latest UK mortgage news

UK-wide mortgage broker When The Bank Says No has expanded its team with two new recruits, focusing on diversity as it scales to meet demand.

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Bridging Loan Directory

When The Bank Says No says ‘yes’ to diversity and growth

UK-wide mortgage broker, When The Bank Says No, has announced two new recruits to its team as it continues to scale up to meet growing demand for its

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What Mortgage

House prices hit high not seen since 2022 property boom - What Mortgage

The average UK house price has reached a peak, soaring to a high not seen since the boom period during the pandemic.

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What Mortgage

Property market set for peak period before stamp duty holidays ends - What Mortgage

There’s set to be a spike in property transactions in the next few months as buyers rush to take advantage of the stamp duty holiday before it ends in March 2025.

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Daily Mail

Homeowners hoping for mortgage rate cuts should ‘think again’

Markets were spooked in the days following Chancellor Rachel Reeves ′ Budget , which has dented hopes of mortgage rate cuts following next week’s base rate decision by the Bank of England.

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Express.co.uk

First shots in mortgage price war as Barclays cuts fixed rates to under 4%

The fall is expected to trigger rivals to follow suit against the background of predictions the Bank of England could cut the base rate twice before Christmas

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Birmingham Live

UK households in homes worth under £300,000 being handed free £385 each

People across the UK could save £4,600 a year switching their mortgage deals, according to new data from mortgage broker Mojo Mortgages, it has revealed.

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FTAdviser

Lenders increasing mortgage rates due to Budget uncertainty

Several major lenders have raised mortgage rates in response to uncertainty over the upcoming Autumn Budget.

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Newspage News

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

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...

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CityAM

UK house prices rise for third straight month ahead of Budget

House prices rose to their highest level since June 2022, but the Autumn budget could derail the positive momentum.

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CityAM

House prices rise at fastest pace in two years

Average house prices are now around two per cent below the all-time highs recorded in summer 2022.

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Grimsby Live

Mortgage rates ‘set to increase’ as Bank of England holds base rate

The Bank of England’s decision to keep the base rate on hold can be seen as a sign of fear

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Express.co.uk

Bank of England blamed for new risk of home loan rate rises

So-called “Sonia swap rates”, which set the benchmark for lending between financial institutions, have risen slightly over the past week.

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Birmingham Live

Mortgage holders face £50 charge for ‘every request’ they make to solicitors

Brokers and conveyancers have warned consumers that ‘free legals’ may not always be the best option in the Cost of Living crisis, though.

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Express.co.uk

Warning over ‘hidden last minute fees’ as homeowners rush for ‘free legals’

Free legals appear tempting to many but can come with hidden consequences, warn experts

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The Independent

Mortgage rates finally fall for first-time buyers – best deals compared

Nationwide, HSBC and NatWest cut their fixed mortgage rates

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BBC News

Mortgages: Dangers of being a FOMO customer as rates fall - BBC News

Competition between lenders is intense ahead of the next interest rates decision from the Bank of England.

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What Mortgage

Economy stalls in July – could it mean another interest rate cut? - What Mortgage

Mortgage experts think another cut to interest rates before the end of the year is now more likely after the economy stalled in July.

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CityAM

UK house prices: ‘Only the Autumn Budget could derail this train’

House prices grew at their fastest annual rate in nearly two years in August, boosted by interest rates being cut and a stabilising economy.

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What Mortgage

‘A new era’ for borrowers as the mortgage price cuts keep coming - What Mortgage

NatWest, HSBC and Barclays are among the lenders to have cut mortgage rates this week.

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Express.co.uk

Nationwide launches ‘incredible’ fixed rate home loan

The move by Nationwide trumps a series of reductions launched by rivals HSBC, Barclays and TSB earlier this week.

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The Mirror

Barclays launches UK’s cheapest mortgage at 3.84% as banks battle

The mortgage price war has intensified with Barclays launching the UK’s cheapest home loan at 3.84 percent as banks and building societies battle to attract homebuyers

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Express.co.uk

Mortgage price war – Barclays, HSBC and NatWest launch home loans at under 4%

Further cuts are expected in the coming days which are predicted to trigger a rush to buy through the rest of this year.

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Bristol Live

Bank of England cuts base interest rate from 5.25 to 5% - experts react

The Bank of England’s Monetary Policy Committee voted 5-4 in favour of a quarter-point reduction in the base rate - the first time it has been cut in more than four years

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WalesOnline

Bank of England cuts base interest rate from 5.25 to 5% - experts react

The Bank of England's Monetary Policy Committee voted 5-4 in favour of a quarter-point reduction in the base rate - the first time it has been cut in more than four years

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Express.co.uk

Interest rate cut hailed as ‘real turning point’ as experts react to decision

It is hoped the move will bring down the cost of borrowing for those carrying mortgages, credit card debt and other loans.

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Sky News

Money blog: Fans fume at ‘disgusting’ prices to see star of the moment: ‘Even worse than Taylor Swift’

'Sure sign worst is behind us': High street lender is first to offer mortgage deal under 4%

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FTAdviser

‘Sub-4% mortgage back’ as Nationwide makes changes

The sub-4 per cent mortgage has made a comeback as Nationwide announces a fresh range of rate reductions. Whenthebanksaysno.co.uk managing director, , has stated.

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Birmingham Live

UK households who are on ‘fixed rate mortgage’ warned

The UK’s largest building society has made the move as the Cost of Living crisis continues.

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The Guardian

Fixed-rate mortgages below 4% back on sale in UK

Brokers hope Nationwide’s mortgage deal is sign of ‘summer of savings’ for homebuyers

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Express.co.uk

Nationwide offers new mortgage rates from 3.54% on select deals after more cuts

The move comes a week before the Bank of England’s new interest rate decision.

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FTAdviser

Lenders believe ‘base rate cuts on horizon’ after mortgage rate drops

Lenders believe cuts to the base rate are still on the horizon as TSB and NatWest announce mortgage rate reductions.

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Landlord Today

Bank of England must pull its finger out on rates - experts

The latest inflation figures mean there’s no excuse for the Bank of England to keep interest rates at their current high, according to experts.

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Birmingham Live

HSBC announces ‘new mortgage criteria rules’ for customers

The new HSBC UK rules take hold on Wednesday, July 10 and will see the bank remove the 65 per cent and 80 per cent loan to value tiers, allowing customers to access higher lending amounts at a higher LTV.

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Express.co.uk

HSBC announces ‘big’ change to mortgage criteria to help ‘boost’ property market

HSBC’s criteria switch-up has been largely met with praise from mortgage brokers.

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FTAdviser

‘History set to repeat itself’ as mortgage approvals rise in wake of election

History "looks set to repeat itself” as mortgage approvals appear to be rising" following the general election in line with historic trends, Brooklyns Financial director, Harps Garcha, has said.

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Letting Agent Today

Election result already priced-in to housing market, says top analyst

The result of the election isn’t likely to be a gamechanger for the housing market, a prominent business consultancy says.

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Express.co.uk

Barclays and HSBC set to unleash mortgage interest rate cuts within hours

The reductions follow a number of small cuts by other lenders in recent days, such as Halifax, Santander and NatWest.

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What Mortgage

House prices inch up in June by 0.2% but market remains ‘flat’

House prices increased in June but at a slower pace than the previous months, the latest data from Nationwide has revealed.

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Express.co.uk

Property sale prices up despite high interest rates and dip in sales

Figures from the Nationwide put the average sale price at £266,604 in June which is up from £264,249 in May.

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Yahoo Finance

UK house prices rise in June, despite high mortgage rates

High borrowing costs means cash is king in the current market.

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The Negotiator

Return to ultra-low interest rates unlikely says lending giant boss

Lloyds Banking Group Chief Executive Charlie Nunn says while interest rate cuts from the Bank of England expected later this year would be ‘beneficial’ homeowners shouldn’t expect a return to ultra-low...

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BBC News

Mortgage costs to rise for 3 million, says Bank of England

Around 400,000 households could face monthly payment increases of over 50%.

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What Mortgage

Mortgage rates this week: More lenders make price cuts

Coventry Building Society and HSBC have followed in the footsteps of Barclays and made cuts to mortgage rates this week.

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Express.co.uk

Win for home buyers as NatWest boosts the amount it will lend on new properties

The maximum loan it will allow on a house in terms of loan to value (LTV) is going up from 85 percent to 90 percent.

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What Mortgage

Inflation hits target – will this spark the much-needed interest rate cut?

Inflation is back to the 2% target set by the Bank of England and the lowest level in nearly three years.

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The Negotiator

Mortgage brokers slam Labour’s ‘Freedom to Buy’ as sham

Labour it would change the existing mortgage guarantee scheme into a permanent fixture if it wins the election, but leading brokers are unimpressed.

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Bridging & commercial

Specialist finance industry reacts to UK inflation falling to 2.3%

The rate of CPI inflation fell to 2.3% in April, edging closer to the Bank of England’s 2% target.

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Yahoo Finance

UK house prices fall for first time in three months

Average price of a home down 0.2% from February to March, at £261,142, says Nationwide.

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The Telegraph

House prices dip as mortgage approvals remain below pre-pandemic levels - latest updates

House prices suffered a decline as mortgage approvals remain below pre-pandemic levels, according to a closely watched survey.

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What Mortgage

Spring Budget 2024: What’s in it for homeowners and landlords?

Chancellor Jeremy Hunt delivered his Spring Budget today - but which announcements, if any, will impact landlords, mortgage borrowers and those keen to become homeowners? We take a look

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Mortgage Solutions

Hunt drops 99 per cent mortgage idea just days before Budget – reports - Mortgage Solutions

Chancellor Jeremy Hunt has reportedly scrapped the idea of a 99 per cent mortgage scheme after lenders raised concerns.

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FTAdviser

Govt reportedly scraps 99% mortgage scheme after concerns

Brokers have said the government’s proposed 99 per cent mortgage scheme “would never have ended well” following reports the idea has been scrapped. government insiders report...

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The Intermediary

Plans for 99% mortgages apparently scrapped - reaction from brokers

This comes following January reports that the Chancellor was set to introduce 1% deposit, or 99% loan-to-value (LTV) mortgages as part of the upcoming Spring Budget.

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Birmingham Live

Millions of mortgage holders told controversial rule will be scrapped

Jeremy Hunt and the Tory government have made the decision after resistance from the banking community, according to Government insiders, it has been reported.

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Birmingham Live

Millions of mortgage holders told controversial rule will be scrapped

Jeremy Hunt and the Tory government have made the decision after resistance from the banking community, according to Government insiders, it has been reported.

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CityAM

Nationwide: House prices fell nearly 2 per cent in 2023 as higher mortgage costs bite

House prices in the UK fell 1.8 per cent over the course of 2023, according to the latest data from the Nationwide House Price Index.

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Express.co.uk

House price crisis laid bare as average home value plunges £4.5k in one year

Northern Ireland and Scotland are the only parts of the UK to see prices rise in 2023.

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Landlord Today

Inflation Drop’s Big Question - will interest rates fall sooner, not later?

Consumer Price Inflation in November was 3.9 per cent - significantly lower than the 4.4 per cent expected by many analysts.

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Yahoo Finance

Interest rates could be cut by March, City markets predict

But the Bank of England has been warning that rates may stay higher for longer than traders hope

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Evening Standard

Interest rates could be cut by March, City markets predict

But the Bank of England has been warning that rates may stay higher for longer than traders hope

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The Telegraph

House prices rise unexpectedly as mortgage ‘rate war’ begins

Investors believe rates have peaked at 5.25pc and will drop to around 3.5pc in years ahead

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The Intermediary

UK house prices edge up in November, showing signs of recovery

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

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Yahoo Finance

UK house prices rise for third month in a row amid interest rate cut hopes

House prices unexpectedly rose again last month as the mortgage market became more affordable

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Birmingham Live

Nationwide issues warning to every UK household with a mortgage

Across the UK, the average property cost £258,557 in November.

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The Telegraph

House prices rise unexpectedly as mortgage market improves – latest updates

House prices unexpectedly rose again last month as the mortgage market became more affordable, a closely-watched survey showed.

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The Intermediary

“The devil is in the detail” – Brokers warn of potentially misleading mortgage advice published by BBC

The post suggests that borrowers may be able to tackle rising cost of living pressures by making overpayments on their mortgage, extending their mortgage term, or switching to an interest-only deal.

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Mortgage Professional

Coventry reduces selected fixed rates

Brokers welcome timing of new rate cuts

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Birmingham Live

Coventry Building Society issues 48-hour warning to anybody with a mortgage

Brokers speaking to free UK news agency, Newspage, welcomed the news, specifically the timing as a lot of 2-year fixed rates are due to mature in the fourth quarter.

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Financial Reporter

Coventry announces widespread residential and buy-to-let rate cuts

The Society is reducing all buy-to-let fixed rates for new and existing borrowers.

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What Mortgage

Mortgage rates: Price cuts continue in time for remortgaging rush

Another interest rate decision is looming. Whether rates remain the same or go up the good news is fixed-rate mortgage prices are still falling.

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Express.co.uk

Building Society to reduce fixed mortgage rates this week in ‘welcome news’

Coventry Building Society will be cutting fixed mortgage rates across its residential and buy-to-let ranges.

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The Intermediary

Rugby League’s Josh Jones tackles career in finance with whenthebanksaysno.co.uk

The firm will support Jones with the resources and mentorship needed for a smooth transition from the rugby field into financial services.

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Mortgage Professional

Can you help your clients overcome the mindset of being unable to buy?

“Hell will freeze over before the regulator, government or industry bodies educate people in some sort of joined up way”

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The Intermediary

EXCLUSIVE: Borrowers in Consett more likely to have protection than those in Chelsea

Brokers and protection specialists have shared their views on how and when protection advice should be provided, and whether it can be overlooked during busier times.

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Mortgage Professional

Nationwide report: House prices, unchanged in September

Expert claims “the mortgage price war is over”

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Manchester Evening News

House prices drop across the UK - what this means for buyers and sellers

Property experts say whether now is a good time to buy or sell as the average price of a home has slumped

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Protection Reporter

Your views: Advisers blame ‘Britishness’, Superman Syndrome, and comparison sites for protection gap in the UK

According to Newspage, advisers have seen a growing majority of people ignoring or even cancelling Life, Critical Illness (CI), and Income Protection (IP) because it’s a “luxury” they can’t afford.

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FTAdviser

Brokers praise lender service levels amid lower purchase activity

A drop in mortgage transaction volumes has seen a “better turnaround” for current clients, brokers have said as they praise the service currently being offered by lenders.

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FTAdviser

Latest inflation data is ‘signal’ to hold interest rates

The latest inflation data will “signal” to the Bank of England to hold interest rates at their current level and “kickstart the property market”, according to one broker.

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B&C

‘The housing market has gone into hibernation’ – industry reacts to sharpest house price decline since 2009

Nationwide’s latest HPI report shows that house prices fell by 0.8% month-on-month in August, with prices 5.3% below the peak in August 2022.

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Mortgage Solutions

Largest annual fall in house prices since 2009

House prices fell 5.3 per cent year-on-year, the weakest rate since 2009, a report from Nationwide Building Society has found.

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Your Money

Largest annual fall in house prices since 2009 - Your Money

House prices fell 5.3 per cent year-on-year, the weakest rate since 2009, a report from Nationwide Building Society has found.

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Manchester Evening News

House prices drop at fastest rate in 14 years - what this means for you

Nationwide says the average property price across the UK has now fallen by £14,600

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Express.co.uk

House prices fall by 5.3 percent in a year - the biggest fall since 2009

The typical home is now worth £259,153, an annual drop of around £14,600 compared to August last year, data from Nationwide shows.

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The Telegraph

House prices suffer biggest drop since 2009 as mortgage approvals plummet - latest updates

The drop in house prices deepened last month to the leave the market at its weakest since 2009 as mortgage approvals plummeted.

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Property Industry Eye

Homeowners left out of pocket after long delays at UK Land Registry

Administrative hold-ups in registering properties with the Land Registry across the country are causing frustration among homeowners and buyers with some being left out of

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Introducer Today

Will There Be A Housing Crash?

Will There Be A Housing Crash?

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The Intermediary

Are we heading for a property market crash? Experts give their views

After the UK saw its first annual house price decline in 11 years experts give their take on what’s next for house prices.

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The Intermediary

Brokers reveal rise in conveyancers refusing high-rise cases

A rising number of solicitors and conveyancers are refusing to work on high-rise property transactions due to new regulations on cladding, according to brokers.

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Financial Reporter

Sexual harassment claims in financial services more than triple in past year

Financial Reporter asked industry experts for their views on the figures.

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Mortgage Solutions

Customers warned of ‘ambulance-chasing’ firms promising stamp duty refunds

Brokers, lawyers and IFAs have warned customers of “ambulance-chasing” companies promising sizeable stamp duty refunds on a no-win no-fee basis.

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Newspage News

Warning shots fired by experts over Stamp Duty Refund Companies. Public likely to ignore…

Countless empirical studies* have shown that it takes roughly 0.05 seconds for a human being of average intelligence to conclude that stamp duty refund companies have a bit of a whiff about them an…

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Your Money

Borrowers stuck on 7% default rates as Land Registry backlog ‘beyond a joke’

Homeowners remortgaging their properties are coming off cheap fixes onto pricey standard variable rates of up to 7.5% because of big delays - up to two years - at HM Land Registry (HMLR).

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IFA Magazine

As Nationwide warns “deposit requirements remain prohibitively high” for FTBs, brokers reveal which lenders stand out

Following Robert Gardner of Nationwide outlining the challenges faced by first-time buyers this morning in the lender’s February HPI, Newspage asked brokers wh

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Mortgage Solutions

Big six cladding announcement ‘great news’ but long way to go

Brokers have widely welcomed the announcement earlier this week that the six largest mortgage lenders will lend on properties needing cladding remediation from the start of next year, but this should be...

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Mortgage Solutions

Next year will be ‘survival of the fittest’ for landlords unless lenders innovate

Demand has been high for complex buy-to-let this year and expected to grow even more next year, but brokers have said product innovation is crucial to sustain this sector.

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Mortgage Strategy

MBA: Emma Jones, managing director of When The Bank Says No | Mortgage Strategy

Starting a business in the mortgage industry is easy. The hard bit is making it last. If I could tell the former 29-year-old me a few things five years ago when I started my business, I would give myself...

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The Sunday Times

Self-employed, contractors, even footballers — meet the unmortgageables

Buying a house is hard enough with a traditional job, but for the self-employed, those on low-hours contracts and even footballers, it can feel impossible

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Mortgage Solutions

Bridging market still offering ‘competitive’ options – SLS In Focus - Mortgage Solutions

Specialist Lending Solutions “In Focus” series deep dives into different areas of the specialist lending market. This week we are focusing on the bridging pricing and what the near-term expectations are.

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The Sunday Times

Self-employed, contractors, even footballers — meet the unmortgageables

Buying a house is hard enough with a traditional job, but for the self-employed, those on low-hours contracts and even footballers, it can feel impossible

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Mortgage Strategy

Feature: Making waves - long-term mortgages | Mortgage Strategy

High property prices, a cost-of-living crisis and now rapidly rising interest rates have resulted in far more homebuyers opting for 30-year-plus mortgage terms. It is not hard to see why these longer-term...

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Mortgage Strategy

Resignation of prime minister Liz Truss: Industry reaction | Mortgage Strategy

Liz Truss’ resignation as prime minister has been welcomed by those within the mortgage sector with Staton Mortgages director Mike Staton suggesting she only made one correct decision during her time “and...

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Mortgage Solutions

Mortgage professionals speak out after Liz Truss resigns – analysis - Mortgage Solutions

The mortgage industry reacts with gallows humour, demands for an election and calls for economic stability after Liz Truss resigns as PM.

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Mortgage Solutions

Bridging market still offering ‘competitive’ options – SLS In Focus

Specialist Lending Solutions “In Focus” series deep dives into different areas of the specialist lending market. This week we are focusing on the bridging pricing and what the near-term expectations are.

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Mortgage Solutions

Brokers reaching out to rate-shocked remortgagors - Mortgage Solutions

Mortgage brokers are helping remortgagors to deal with rate shocks as thousands of clients coming off fixed rates.

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This Is Money

Will Kwasi’s small stamp duty cut stave off a house price crash?

The Government has doubled the threshold at which you start paying stamp duty from £125,000 to £250,000, but a radical overhaul failed to arrive.

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Daily Mail

Will Kwasi’s small stamp duty cut stave off a house price crash?

The Government has doubled the threshold at which you start paying stamp duty from £125,000 to £250,000, but a radical overhaul failed to arrive.

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Mortgage Professional

Bank of England makes interest rate announcement

Verdict delivered moments ago...

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Freelance Informer

Mini-budget: how much better off could freelancers be?

Freelancers are likely to be better off if certain tax-cutting campaign promises are kept in this week’s mini-budget announcement.

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FTAdviser.com

Cut in stamp duty will ‘stimulate already overheated market’

Chancellor Kwasi Kwarteng is set to introduce a cut in stamp duty in the mini Budget but industry experts said its impact will depend on whether it is a short or long term measure

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Financial Reporter

Government to cut stamp duty in Friday’s Budget

The government is set to cut stamp duty in its mini-budget later this week, according to reports.

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PropertyWire

A rate increase of 0.75% will send shockwaves through the property market

Many expect the Bank of England to raise rates by 0.75% in an effort to combat inflation. Newspage asked 10 brokers what it would mean for borrowers and the property market more generally. Their views...

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Financial Reporter

Rate rise of 0.75% will "send shockwaves through the property market"

This week, many expect the Bank of England to raise rates by 0.75% in an effort to combat inflation. Newspage asked 10 brokers what it would mean for borrowers and the property market more generally.

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IFA Magazine

“A rate increase of 0.75% will send shockwaves through the property market” - brokers on this week’s rate decision

This week, many expect the Bank of England to raise rates by 0.75% in an effort to combat inflation. In response, ten brokers were asked what it would mean for

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This is Money

The return of gazumping: We lost £25,000 deposit - and our dream home

Clare and Steven George-Hilley (pictured) paid a £25,000 fee to secure a new home. But the deal was delayed allowing the seller to seek a better offer.

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This is Money

How to beat the mortgage bill hike and still save a fortune

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

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This is Money

Mortgage lenders slam brakes on house prices with down valuations

Experts warn banks saying homes aren’t worth the price agreed, could be a sign the property boom is ending. Maria Ivanova (pictured) was one of the buyers affected.

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This is Money

How to sort your mortgage as interest rates rise

Top mortgage deals are vanishing on an almost-daily basis and some five and ten-year fixed rate deals are now cheaper than two-year fixes.

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