2% Deposit – First Step Mortgage Saving a big deposit is often the biggest hurdle for first-time buyers. Newcastle Building Society’s First Step Mortgage makes it easier by requiring just a £5,000 minimum deposit. With up to 98% LTV, you won’t need years of saving before unlocking the keys to your dream home. The 5-year […]
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Borrowers & Base Rates Markets currently expect just one further Bank of England base rate cut, with a move towards 3.5% considered possible next year. This limited outlook reflects persistent inflationary pressures, cautious economic growth, and the Bank’s reluctance to ease too quickly. For borrowers, this means mortgage rates may remain higher for longer than
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Finance Cost Relief Explained When it comes to Buy-to-Let (BTL) property ownership, how you structure your portfolio can have a major impact on the tax you pay. Since changes to mortgage interest relief rules, many landlords have found themselves facing higher tax bills when holding property in their own name. One alternative that has grown
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BoE Holds Base Rate at 4% – Why ? The Bank of England interest rates 2025 decision has seen the base rate held at 4%, as the Monetary Policy Committee voted to keep borrowing costs unchanged. For homeowners and buyers, this move highlights ongoing inflation concerns. Mortgage borrowers should consider whether their current deal remains
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Protect Yourself NOW ! Click On The Button Below TALK TO US TODAY Protect Your Mortgage as UK Unemployment Rises The latest government figures paint a worrying picture for UK households. The unemployment rate has climbed to 4.7%, with around 1.67 million people out of work. Job vacancies are falling below pre-pandemic levels, and forecasts
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What You Need To Know When you hear “gilt yields are rising,” it may sound technical, but the effect is simple – higher mortgage costs. Gilts (UK government bonds) drive swap rates, which in turn dictate how lenders price fixed-rate mortgages. With gilt yields now at levels not seen since the 1990s, mortgage rates are
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What You Need To Know The Bank of England (BoE) reduced the Base Rate by 0.25%, bringing it down to 4.00% – It’s lowest level since March 2023. This is the fifth cut since August 2024 and was narrowly approved in a 5–4 split vote, marking the first time in history that the Monetary Policy
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Start Searching NOW ! Click On The Button Below COMPARE MORTGAGES Our Mortgage Comparison Tool Can Help ✨ Find The Best Mortgage Deals ✨ Searching for the right mortgage can feel overwhelming, but comparing rates is the smartest way to get started. Our free whole-of-market comparison tool makes it easy to view the latest mortgage
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Global Risks Reflect Cautious Approach The Bank of England held the base rate at 4.25% this week, citing the need for more evidence that inflation is falling sustainably. While headline inflation has eased to 3.4%, it remains above the 2% target, with services inflation and wage growth still exerting upward pressure. The Monetary Policy Committee
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Further Rate Cuts Anticipated The Bank of England reduced the base rate from 4.5% to 4.25% on 8 May 2025. This 0.25% cut directly benefits approximately 600,000 tracker mortgage holders, who can expect average monthly savings of around £29. Those on standard variable rate (SVR) mortgages may also see reductions, though the extent depends on
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