Emma Jones's Media Coverage
Daily Express
Mortgage expert explains 'common reason' for rejection and what to do nextIt can be devastating if you've found your dream home
The Sunday Times
How to make a fortune flipping propertyFor 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
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
Daily Express
Nationwide and Halifax changes as customers face ‘uncertainty’Experts have given a summary of how things stand
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
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
Daily Mirror
Everything to know as Santander confirms extra cost for UK customersSantander followed Halifax earlier this week
Daily Express
Santander customers hit with extra costs warning 24 hours after Halifax changeThe bank has announced certain terms are changing.
Daily Express
UK mortgage borrowers told ‘lock in as soon as possible’Renewed tensions could mean the road remains bumpy, experts say
Thisismoney
Two more lenders hike mortgage rates ahead of Bank of England interest rate decision on ThursdayMore lenders have pushed up their mortgage rates ahead of the Bank of England's interest rate decision on Thursday.
AOL.com
UK Santander customers told of new extra cost after Monday Halifax announcementExperts have explained that it is ‘where the market is heading’
Daily Mirror
UK Santander customers told of new extra cost after Halifax updateExperts have explained that it is ‘where the market is heading’
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.
Daily Mirror
Unpaid parking fines ‘can mean losing home’ as record numbers issuedExperts have explained how a seemingly minor issue can spiral into a major problem
Daily Mirror
‘I was rejected for three mortgages because of parking fines’It might seem minor, but can have troublesome knock-on effects
Daily Express
Nationwide announces new rule for customers ‘from today’Sounds helpful, but don’t get carried away
The Independent
Mortgage rates fall at fastest pace in almost two years – but experts issue warningThe ceasefire in the Middle East pushed rates to drop – but the reverse could happen if hostilities ramp up
Daily Mirror
New concern for borrowers looking for new mortgage amid latest Iran war flare-upA 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
Cambridgeshire Live
Barclays update as borrowers told to ‘sharpen their pencils’Barclays has new details for customers
Cambridgeshire Live
Barclays update as borrowers told to ‘sharpen their pencils’Barclays has new details for customers
Wales Online
Major Monday update could mean ‘positive movement’ for mortgagesThere could be good news
Daily Mirror
Important Monday update for anyone taking out a UK mortgageMortgage brokers and property experts have hailed Trump’s Middle East peace deal, but also issued a note of caution
Daily Express
Key Monday UK mortgage update as ‘positive movement’ likely this weekFeels like one bit of good news at last
Bath Chronicle
Major Monday update could mean ‘positive movement’ for mortgagesThere could be good news
North Wales Live
Major Monday update could mean ‘positive movement’ for mortgagesThere could be good news
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
Daily Express
Mortgage broker explains how people with bad credit scores can buy a homeSo there is still a way in, then
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
Daily Mirror
People with mortgage deals ending soon ‘should act now’Continued global tensions mean nothing is set in stone
Cambridgeshire Live
Halifax ‘positive’ move after new Nationwide updateIt’s a mixed and changing picture
Daily Express
Halifax announces change for customers as Nationwide issues updateFeels like a brief breather, not a turning point
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
Daily Mirror
‘May 21’ alert for customers after Nationwide, Virgin make changesExperts warn things could be about to change again
Daily Star
‘May 21’ alert for customers after Nationwide, Virgin make changesExperts warn things could be about to change again
Daily Express
Nationwide, Santander, NatWest customers among those given ‘May 21’ alertLenders including Nationwide, Virgin Money and NatWest have been making changes in recent weeks
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.
Hackney Gazette
Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decisionNationwide 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.
Reading Chronicle
Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decisionNationwide 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.
Hexham Courant
Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decisionNationwide 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.
Thisismoney
Nationwide slashes mortgage rates to offer cheapest two-year deal on the marketBritain's biggest building society is slashing mortgage rates and will now offer the cheapest fixed deal on the market.
Wales Online
Nationwide and Virgin Money customers given ‘positive’ Monday updateThere is talk of ‘momentum’
Daily Express
New Nationwide update from customers with change ‘from Tuesday’It’s been welcomed, but with caution
Daily Mirror
New Halifax update given to customers ‘but could be short-lived’There was good news for customers announced on Tuesday afternoon
Daily Express
Halifax customers get new good news update ‘but it might be short-lived’Blink and you’ll miss it
Cambridge News
Wednesday ‘act quickly’ update for NatWest, Barclays, TSB customersIt’s continuing a recent trend
Liverpool Echo
Wednesday ‘act quickly’ update for NatWest, Barclays, TSB customersIt’s continuing a recent trend
Daily Mirror
NatWest, Barclays and TSB new updates as customers told ‘act fast’NatWest, Barclays and TSB have all announced further cuts
Daily Express
TSB, NatWest and Barclays customers told of new change ‘from Wednesday’Good news, but don’t get comfy
Chronicle Live
Consequences for your loved ones if you die without paying off your mortgageTaking advance action can avoid families having to face a ‘hard reality’
Daily Express
Halifax follows HSBC, Santander, TSB with ‘positive’ news for customersDon’t get too excited, it could flip fast
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
Daily Mirror
‘Reality can hit hard’ if you die without paying off mortgageAn expert said it was becoming more common
Daily Express
Expert explains key step to avoid ‘hard reality’ if you die with mortgageThat’s a nasty surprise for families
What Mortgage
Mortgage options fall as deals face shorter shelf livesThe 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.
FT Adviser
Mortgage shelf-life falls to record low amid Middle East conflictThe average shelf-life of a
Glasgow Live
Nationwide customers face new £360 cost from today after decisionThe past couple of weeks have been rough for people in this position
Daily Mirror
Nationwide brings in ‘new £360 charge’ for customers from todayThe past couple of weeks have been chaos
Mortgage Solutions
The Retirement Studio launches as AR of Rosemount Financial SolutionsFinancial advice firm The Retirement Studio has launched as a protection and financial planning AR of network Rosemount Financial Solutions.
FT Adviser
The Retirement Studio becomes an AR of RosemountThe Retirement Studio has become a protection and financial planning appointed representative of Rosemount Financial Solutions to avoid the operational burden of becoming directly authorised.
The Intermediary
The Retirement Studio launches as appointed representative of Rosemount Financial SolutionsThe Retirement Studio has launched as a protection and financial planning appointed representative of Rosemount Financial Solutions.
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
Express.co.uk
Key Nationwide update for customers but it ‘could be derailed’It’s been a turbulent weekend on the world stage
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
Express.co.uk
Nationwide slashes mortgage rates to 3.54% in ‘great news’ for marketThe wider industry has reacted to the news, with brokers suggesting the cuts could prompt other lenders to follow.
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.
Thisismoney
Mortgage rates back on the rise? Three more major lenders hike home loan pricesMortgage rates are back on the rise, as three major lenders hiked the interest on their home loans today.
what MORTGAGE
Mortgage choice hits ‘milestone’ as rates continue falling - what MORTGAGE2026 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.
GB News
Mortgage deals hit highest level since 2007 in 'huge milestone' with 7,158 products currently availableHomebuyers now have access to more mortgage options than at any point in almost two decades, according to new industry data.
Birmingham Live
Number of mortgage deals available highest since 2007“Now is an excellent time to buy or move,” one broker said
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.
Express.co.uk
City experts bet on a Bank of England interest rate cut before ChristmasMarkets are putting the odds of a move next month at nearly 90%
Birmingham Live
Nationwide and Virgin Money announce ‘significant’ mortgage rate cutsFirst Time Buyer, Home Mover, Existing Customers Moving Home and Remortgage products are all included
Grimsby Live
Santander ‘debunks myth’ after helping 70year-old buy homeFigures show a sharp rise in people over 60 buying their first home
Essex Live
Santander ‘debunks myth’ after helping 70year-old buy homeFigures show a sharp rise in people over 60 buying their first home
Somerset Live
Santander ‘debunks myth’ after helping 70year-old buy homeFigures show a sharp rise in people over 60 buying their first home
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
Express.co.uk
Major UK building society promises to keep all branches open until 2030The move has been described as a ‘shot in the arm for our high streets and local communities’.
Estate Agent Today
Buyers urged to lock-in low mortgage rates before BudgetTwo major mortgage lenders have cut rates in what brokers describe as a pre-Budget rush.
FT Adviser
Nationwide launches interest-only mortgages but brokers suggest cautionBorrowers need to go into interest-only
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
what MORTGAGE
‘Decade-high’ number of properties for sale, says Rightmove - what MORTGAGEThere is a decade-high number of properties on the market meaning sellers are having to lower their pricing expectations, according to Rightmove.
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.
Freelance Informer
Property Experts Sceptical Over Latest Property ReformA NewsPage report captures the tension between government ambition and industry cynicism regarding regulatory change in the property sector.
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…
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
Express.co.uk
Stubborn inflation leaves experts all saying same thing about interest ratesMortgage brokers have shared their verdict on what today’s inflation data means for interest rates.
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
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.
Birmingham Live
Autumn ‘doom budget’ fears ignite after HSBC hikes residential mortgage ratesOne expert warned that “every day you wait could cost you.”
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.
Yorkshire Evening Post
House prices here in Leeds remain feisty as UK average approaches £300,000House 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.
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.
Daily Telegraph
Property tax speculation could send prices lower, warns agentProperty professionals warned tax fears could send house prices down further in the coming months.
Express.co.uk
UK economic crisis worsens as house prices fall piling more pressure on ReevesThe UK economy crisis has worsened as house prices have suffered a surprise fall, with experts warning “confidence is fragile” in the market
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
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.
what MORTGAGE
Mortgage possessions climb following steep repayment hikes - what MORTGAGEMortgage possession claims have increased sharply in the last year as borrowers struggle to keep up with higher monthly repayments.
Express.co.uk
Property finance expert reveals what Brits must do after interest rate dropsEXCLUSIVE: 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
This Is Money
House price affordability rises to highest level in a decadeThe 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.
Birmingham Live
Nationwide says homes in the UK ‘most affordable’ in over a decadeThe news has been welcomes as “a small win for buyers”
Birmingham Live
Cash ISA rule change still on cards as Rachel Reeves lays out plansMs Reeves has confirmed a cash ISA shake-up could be coming as she slashed red tape at her Mansion House speech.
The Sun
Boost for first-time buyers as new rules come in to make it easier to get a bigger mortgageFIRST-TIME buyers could find it easier to get a bigger mortgage under new lending rules coming in this week.
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
Birmingham Live
Mortgage approvals up for first time since December 2024Approvals for remortgaging have also seen an increase in the latest data
FTAdviser
‘A powerful tool’: Gen H launches interest-only productGen H has announced the staged launch of an interest only proposition intended to help affordability for homemovers, remortgagers and, critically,
FTAdviser
Brokers warn buyers to be wary of fire safety shortcut practiceshave urged borrowers to be wary of estate agents pressuring them to make fire safety shortcuts when buying a property.
FTAdviser
Another 100% mortgage hits the marketGable Mortgages has become the second lender to launch a 100 per cent LTV mortgage in just a matter of days.
What Mortgage
Another 100% mortgage lands: Will more no-deposit deals follow? - What MortgageA new no deposit mortgage has hit the market and is being targeted at keyworkers and first-time buyers.
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.
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.
Express.co.uk
British growth surge could stall Bank of England rate cutsThe upbeat performance defies earlier warnings of a crisis in business confidence
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.
Express.co.uk
Mortgage borrowers urged to act now as cheap 3.89% rate disappearsThe 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.
London Property News
‘Go go go!’ Coventry goes sub 4% on 2-year fixed ratesAmid 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…
What Mortgage
Lenders cut mortgage rates amid tariff turbulence - What MortgageCoventry Building Society is among the lenders who have cut mortgage rates this week amid the economic turmoil created by President Trump’s tariffs.
FTAdviser
Trump tariffs may ‘single-handedly’ rescue UK housing marketTrump’s tariffs “may be single-handedly rescuing the UK housing market” after SONIA swap rates tumbled following the president’s ‘liberation day’ announcement.
FTAdviser
Loughborough BS praised for allowing minor credit blipsLoughborough Building Society has launched a “bold and pragmatic” lending policy change by programming its systems to accept minor credit blips.
London Property News
Loughborough Building Society described as ‘bold and pragmatic’ as it programs its systems to accept minor credit blipsLoughborough Building Society described as “bold and pragmatic” as it programs its systems to accept minor credit blips…
Devon Live
Santander mortgage changes could help you borrow up to £35K moreThe 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.
Express.co.uk
Santander loosens affordability rules for borrowers in mortgage shake-upSantander has changed its affordability rules, enabling people to borrow up to £35,000 more
FTAdviser
Santander loosens affordability criteria in line with FCA wishesSantander has loosened affordability criteria in line with the wishes of the Financial Conduct Authority, with brokers calling it a “brave move” from the lender.
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.
Daily Telegraph
Landlords face £28k bills to meet Labour’s net zero targetBuy-to-let owners on ‘cliff-edge’ as cost of eco upgrades dwarfs official estimates
FTAdviser
Santander branch closures ‘forced migration’ for older clientsSantander’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.
What Mortgage
Will the Bank of England cut interest rates this week? - What MortgageThere 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.
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’ ..…
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.
FTAdviser
Parking fines ‘wreaking havoc’ with people’s credit, say brokersLow 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 cuts mortgage rates: Should you fix a deal now? - What MortgageNationwide and Leeds Building Society have become the latest lenders to cut mortgage rates.
The National
Nationwide cuts mortgage rates following Barclays, Santander and YorkshireNationwide has announced mortgage rate cuts from today, following rate drops by Barclays, Santander and Yorkshire
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%.
Birmingham Live
Urgent warning issued to millions of UK households on fixed-rate mortgageSwap 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.
Express.co.uk
Mortgage rates set to fall as markets bet on Bank of England rate cutsA number of leading lenders, including the Halifax and Barclays, have already introduced reductions recently and there are expectations of more to come.
Mortgage Soup
Halifax cutting mortgage rates by up to 0.3% ‘could trigger a chain reaction’ | NewsThe 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...
Mortgage Soup
Mortgage approvals rise in December as borrowing rebounds | NewsNet 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...
Express.co.uk
Santander says people with a mortgage can save thousandsThe banking giant has shared how people could claw back a small fortune
Property Soup
Homeowners could save thousands by using ‘Dry January’ cash boost to overpay mortgageWith 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...
FTAdviser
Land Registry strike to cause ‘huge problems’ before SDLT changesA 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.
FTAdviser
Mortgage rates will start with 3 next yearMortgage 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.
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.
Mortgage Soup
NatWest cuts rates by up to 39bps “bringing some much-needed festive cheer to the mortgage market” | NewsNatWest 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...
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.
Sky News
'The walls are closing in': Mortgage insiders react to inflation dataSome leading business figures have offered their reaction to the news that inflation rose sharply last month.
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’
Financial News
When The Bank Says No Welcomes New Team MembersUK mortgage broker expands with two recruits, boosting diversity to meet demand.
The Intermediary
When The Bank Says No expands team - The Intermediary - Latest UK mortgage newsUK-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.
Bridging Loan Directory
When The Bank Says No says ‘yes’ to diversity and growthUK-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
What Mortgage
House prices hit high not seen since 2022 property boom - What MortgageThe average UK house price has reached a peak, soaring to a high not seen since the boom period during the pandemic.
What Mortgage
Property market set for peak period before stamp duty holidays ends - What MortgageThere’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.
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.
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
Birmingham Live
UK households in homes worth under £300,000 being handed free £385 eachPeople 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.
FTAdviser
Lenders increasing mortgage rates due to Budget uncertaintySeveral major lenders have raised mortgage rates in response to uncertainty over the upcoming Autumn Budget.
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...
CityAM
UK house prices rise for third straight month ahead of BudgetHouse prices rose to their highest level since June 2022, but the Autumn budget could derail the positive momentum.
CityAM
House prices rise at fastest pace in two yearsAverage house prices are now around two per cent below the all-time highs recorded in summer 2022.
Grimsby Live
Mortgage rates ‘set to increase’ as Bank of England holds base rateThe Bank of England’s decision to keep the base rate on hold can be seen as a sign of fear
Express.co.uk
Bank of England blamed for new risk of home loan rate risesSo-called “Sonia swap rates”, which set the benchmark for lending between financial institutions, have risen slightly over the past week.
Birmingham Live
Mortgage holders face £50 charge for ‘every request’ they make to solicitorsBrokers and conveyancers have warned consumers that ‘free legals’ may not always be the best option in the Cost of Living crisis, though.
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
The Independent
Mortgage rates finally fall for first-time buyers – best deals comparedNationwide, HSBC and NatWest cut their fixed mortgage rates
BBC News
Mortgages: Dangers of being a FOMO customer as rates fall - BBC NewsCompetition between lenders is intense ahead of the next interest rates decision from the Bank of England.
What Mortgage
Economy stalls in July – could it mean another interest rate cut? - What MortgageMortgage experts think another cut to interest rates before the end of the year is now more likely after the economy stalled in July.
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.
What Mortgage
‘A new era’ for borrowers as the mortgage price cuts keep coming - What MortgageNatWest, HSBC and Barclays are among the lenders to have cut mortgage rates this week.
Express.co.uk
Nationwide launches ‘incredible’ fixed rate home loanThe move by Nationwide trumps a series of reductions launched by rivals HSBC, Barclays and TSB earlier this week.
The Mirror
Barclays launches UK’s cheapest mortgage at 3.84% as banks battleThe 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
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.
Bristol Live
Bank of England cuts base interest rate from 5.25 to 5% - experts reactThe 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
WalesOnline
Bank of England cuts base interest rate from 5.25 to 5% - experts reactThe 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
Express.co.uk
Interest rate cut hailed as ‘real turning point’ as experts react to decisionIt is hoped the move will bring down the cost of borrowing for those carrying mortgages, credit card debt and other loans.
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%
FTAdviser
‘Sub-4% mortgage back’ as Nationwide makes changesThe 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.
Birmingham Live
UK households who are on ‘fixed rate mortgage’ warnedThe UK’s largest building society has made the move as the Cost of Living crisis continues.
The Guardian
Fixed-rate mortgages below 4% back on sale in UKBrokers hope Nationwide’s mortgage deal is sign of ‘summer of savings’ for homebuyers
Express.co.uk
Nationwide offers new mortgage rates from 3.54% on select deals after more cutsThe move comes a week before the Bank of England’s new interest rate decision.
FTAdviser
Lenders believe ‘base rate cuts on horizon’ after mortgage rate dropsLenders believe cuts to the base rate are still on the horizon as TSB and NatWest announce mortgage rate reductions.
Landlord Today
Bank of England must pull its finger out on rates - expertsThe latest inflation figures mean there’s no excuse for the Bank of England to keep interest rates at their current high, according to experts.
Birmingham Live
HSBC announces ‘new mortgage criteria rules’ for customersThe 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.
Express.co.uk
HSBC announces ‘big’ change to mortgage criteria to help ‘boost’ property marketHSBC’s criteria switch-up has been largely met with praise from mortgage brokers.
FTAdviser
‘History set to repeat itself’ as mortgage approvals rise in wake of electionHistory "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.
Letting Agent Today
Election result already priced-in to housing market, says top analystThe result of the election isn’t likely to be a gamechanger for the housing market, a prominent business consultancy says.
Express.co.uk
Barclays and HSBC set to unleash mortgage interest rate cuts within hoursThe reductions follow a number of small cuts by other lenders in recent days, such as Halifax, Santander and NatWest.
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.
Express.co.uk
Property sale prices up despite high interest rates and dip in salesFigures from the Nationwide put the average sale price at £266,604 in June which is up from £264,249 in May.
Yahoo Finance
UK house prices rise in June, despite high mortgage ratesHigh borrowing costs means cash is king in the current market.
The Negotiator
Return to ultra-low interest rates unlikely says lending giant bossLloyds 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...
BBC News
Mortgage costs to rise for 3 million, says Bank of EnglandAround 400,000 households could face monthly payment increases of over 50%.
What Mortgage
Mortgage rates this week: More lenders make price cutsCoventry Building Society and HSBC have followed in the footsteps of Barclays and made cuts to mortgage rates this week.
Express.co.uk
Win for home buyers as NatWest boosts the amount it will lend on new propertiesThe maximum loan it will allow on a house in terms of loan to value (LTV) is going up from 85 percent to 90 percent.
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.
The Negotiator
Mortgage brokers slam Labour’s ‘Freedom to Buy’ as shamLabour it would change the existing mortgage guarantee scheme into a permanent fixture if it wins the election, but leading brokers are unimpressed.
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.
Yahoo Finance
UK house prices fall for first time in three monthsAverage price of a home down 0.2% from February to March, at £261,142, says Nationwide.
The Telegraph
House prices dip as mortgage approvals remain below pre-pandemic levels - latest updatesHouse prices suffered a decline as mortgage approvals remain below pre-pandemic levels, according to a closely watched survey.
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
Mortgage Solutions
Hunt drops 99 per cent mortgage idea just days before Budget – reports - Mortgage SolutionsChancellor Jeremy Hunt has reportedly scrapped the idea of a 99 per cent mortgage scheme after lenders raised concerns.
FTAdviser
Govt reportedly scraps 99% mortgage scheme after concernsBrokers 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...
The Intermediary
Plans for 99% mortgages apparently scrapped - reaction from brokersThis 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.
Birmingham Live
Millions of mortgage holders told controversial rule will be scrappedJeremy Hunt and the Tory government have made the decision after resistance from the banking community, according to Government insiders, it has been reported.
Birmingham Live
Millions of mortgage holders told controversial rule will be scrappedJeremy Hunt and the Tory government have made the decision after resistance from the banking community, according to Government insiders, it has been reported.
CityAM
Nationwide: House prices fell nearly 2 per cent in 2023 as higher mortgage costs biteHouse 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.
Express.co.uk
House price crisis laid bare as average home value plunges £4.5k in one yearNorthern Ireland and Scotland are the only parts of the UK to see prices rise in 2023.
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.
Yahoo Finance
Interest rates could be cut by March, City markets predictBut the Bank of England has been warning that rates may stay higher for longer than traders hope
Evening Standard
Interest rates could be cut by March, City markets predictBut the Bank of England has been warning that rates may stay higher for longer than traders hope
The Telegraph
House prices rise unexpectedly as mortgage ‘rate war’ beginsInvestors believe rates have peaked at 5.25pc and will drop to around 3.5pc in years ahead
The Intermediary
UK house prices edge up in November, showing signs of recoveryNovember witnessed a 0.2% increase in UK house prices, the most significant annual improvement since February 2023.
Yahoo Finance
UK house prices rise for third month in a row amid interest rate cut hopesHouse prices unexpectedly rose again last month as the mortgage market became more affordable
Birmingham Live
Nationwide issues warning to every UK household with a mortgageAcross the UK, the average property cost £258,557 in November.
The Telegraph
House prices rise unexpectedly as mortgage market improves – latest updatesHouse prices unexpectedly rose again last month as the mortgage market became more affordable, a closely-watched survey showed.
The Intermediary
“The devil is in the detail” – Brokers warn of potentially misleading mortgage advice published by BBCThe 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.
Birmingham Live
Coventry Building Society issues 48-hour warning to anybody with a mortgageBrokers 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.
Financial Reporter
Coventry announces widespread residential and buy-to-let rate cutsThe Society is reducing all buy-to-let fixed rates for new and existing borrowers.
What Mortgage
Mortgage rates: Price cuts continue in time for remortgaging rushAnother interest rate decision is looming. Whether rates remain the same or go up the good news is fixed-rate mortgage prices are still falling.
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.
The Intermediary
Rugby League’s Josh Jones tackles career in finance with whenthebanksaysno.co.ukThe firm will support Jones with the resources and mentorship needed for a smooth transition from the rugby field into financial services.
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”
The Intermediary
EXCLUSIVE: Borrowers in Consett more likely to have protection than those in ChelseaBrokers 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.
Mortgage Professional
Nationwide report: House prices, unchanged in SeptemberExpert claims “the mortgage price war is over”
Manchester Evening News
House prices drop across the UK - what this means for buyers and sellersProperty experts say whether now is a good time to buy or sell as the average price of a home has slumped
Protection Reporter
Your views: Advisers blame ‘Britishness’, Superman Syndrome, and comparison sites for protection gap in the UKAccording 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.
FTAdviser
Brokers praise lender service levels amid lower purchase activityA 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.
FTAdviser
Latest inflation data is ‘signal’ to hold interest ratesThe 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.
B&C
‘The housing market has gone into hibernation’ – industry reacts to sharpest house price decline since 2009Nationwide’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.
Mortgage Solutions
Largest annual fall in house prices since 2009House prices fell 5.3 per cent year-on-year, the weakest rate since 2009, a report from Nationwide Building Society has found.
Your Money
Largest annual fall in house prices since 2009 - Your MoneyHouse prices fell 5.3 per cent year-on-year, the weakest rate since 2009, a report from Nationwide Building Society has found.
Manchester Evening News
House prices drop at fastest rate in 14 years - what this means for youNationwide says the average property price across the UK has now fallen by £14,600
Express.co.uk
House prices fall by 5.3 percent in a year - the biggest fall since 2009The typical home is now worth £259,153, an annual drop of around £14,600 compared to August last year, data from Nationwide shows.
The Telegraph
House prices suffer biggest drop since 2009 as mortgage approvals plummet - latest updatesThe drop in house prices deepened last month to the leave the market at its weakest since 2009 as mortgage approvals plummeted.
Property Industry Eye
Homeowners left out of pocket after long delays at UK Land RegistryAdministrative 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
The Intermediary
Are we heading for a property market crash? Experts give their viewsAfter the UK saw its first annual house price decline in 11 years experts give their take on what’s next for house prices.
The Intermediary
Brokers reveal rise in conveyancers refusing high-rise casesA rising number of solicitors and conveyancers are refusing to work on high-rise property transactions due to new regulations on cladding, according to brokers.
Financial Reporter
Sexual harassment claims in financial services more than triple in past yearFinancial Reporter asked industry experts for their views on the figures.
Mortgage Solutions
Customers warned of ‘ambulance-chasing’ firms promising stamp duty refundsBrokers, lawyers and IFAs have warned customers of “ambulance-chasing” companies promising sizeable stamp duty refunds on a no-win no-fee basis.
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…
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).
IFA Magazine
As Nationwide warns “deposit requirements remain prohibitively high” for FTBs, brokers reveal which lenders stand outFollowing Robert Gardner of Nationwide outlining the challenges faced by first-time buyers this morning in the lender’s February HPI, Newspage asked brokers wh
Mortgage Solutions
Big six cladding announcement ‘great news’ but long way to goBrokers 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...
Mortgage Solutions
Next year will be ‘survival of the fittest’ for landlords unless lenders innovateDemand 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.
Mortgage Strategy
MBA: Emma Jones, managing director of When The Bank Says No | Mortgage StrategyStarting 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...
The Sunday Times
Self-employed, contractors, even footballers — meet the unmortgageablesBuying 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
Mortgage Solutions
Bridging market still offering ‘competitive’ options – SLS In Focus - Mortgage SolutionsSpecialist 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.
The Sunday Times
Self-employed, contractors, even footballers — meet the unmortgageablesBuying 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
Mortgage Strategy
Feature: Making waves - long-term mortgages | Mortgage StrategyHigh 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...
Mortgage Strategy
Resignation of prime minister Liz Truss: Industry reaction | Mortgage StrategyLiz 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...
Mortgage Solutions
Mortgage professionals speak out after Liz Truss resigns – analysis - Mortgage SolutionsThe mortgage industry reacts with gallows humour, demands for an election and calls for economic stability after Liz Truss resigns as PM.
Mortgage Solutions
Bridging market still offering ‘competitive’ options – SLS In FocusSpecialist 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.
Mortgage Solutions
Brokers reaching out to rate-shocked remortgagors - Mortgage SolutionsMortgage brokers are helping remortgagors to deal with rate shocks as thousands of clients coming off fixed rates.
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.
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.
Mortgage Professional
Bank of England makes interest rate announcementVerdict delivered moments ago...
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.
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
Financial Reporter
Government to cut stamp duty in Friday’s BudgetThe government is set to cut stamp duty in its mini-budget later this week, according to reports.
PropertyWire
A rate increase of 0.75% will send shockwaves through the property marketMany 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...
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.
IFA Magazine
“A rate increase of 0.75% will send shockwaves through the property market” - brokers on this week’s rate decisionThis 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
This is Money
The return of gazumping: We lost £25,000 deposit - and our dream homeClare 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.
This is Money
How to beat the mortgage bill hike and still save a fortuneAs prices and taxes rocket, homeowners can still take huge strides to reduce the cost of their largest household bill - their mortgage.
This is Money
Mortgage lenders slam brakes on house prices with down valuationsExperts 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.
This is Money
How to sort your mortgage as interest rates riseTop 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.