🎉 Celebrating 30 Years 🎉 This month marks a remarkable milestone for Gary Howe, Principal at Independent Mortgages Direct NE – 30 years of delivering trusted, expert mortgage advice to clients across the UK. Gary’s commitment to integrity, professionalism, and client care has made him a respected leader in the industry. Under his guidance, IMDNE […]
Celebrating 30 Years of Mortgage Advice with Gary Howe Read More »
Stability Until May Predicted The Bank of England has maintained the base rate at 4.5%, aligning with economists’ expectations amid global uncertainties, including U.S. trade policies and domestic economic challenges. Inflation has decreased from a peak of 11.1% in October 2022 to 3%, but remains above the 2% target. The UK economy grew by just
Bank of England Holds Base Rate at 4.5% Amid Global Uncertainty Read More »
Product Summary Accord Mortgages has enhanced its criteria for first-time buyer mortgages, making its existing product even more attractive for those entering the property market for the first time. To qualify, at least one applicant must be a first-time buyer—someone who has never owned a property—and applicants must have a minimum deposit of just £5,000.
£5k Deposit Mortgages for First-Time Buyers: Eligibility Criteria Explained Read More »
Mortgage Rates Drop – Will It Last? Recently, many lenders have reduced their fixed mortgage rates despite ongoing rises in swap rates. This apparent contradiction arises from lenders competing aggressively for business, temporarily cutting margins to attract borrowers. However, persistent inflation remains a significant concern. Inflation rates continue to exceed Bank of England targets, prompting markets
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Automated Valuation Model (AVM) An Automated Valuation Model (AVM) can be beneficial prior to taking a mortgage as it provides a quick, cost-effective, and reliable estimate of a property’s current market value. This information helps borrowers determine their loan-to-value (LTV) ratio, understand potential borrowing limits, and assess their eligibility for specific mortgage products. Additionally, it
How Much Is Your Home Worth – Find Out Now Read More »
Competition Intensifies The UK mortgage market is becoming increasingly competitive, with lenders reducing rates to attract borrowers and expand market share. Despite swap rate fluctuations, banks and building societies are aggressively pricing mortgages to meet lending targets. With housing transactions below pre-pandemic levels and affordability concerns persisting, lenders are using lower rates to retain customers
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Base Rate Reduced – 4.50% Today, the Bank of England reduced its base interest rate by 0.25% to 4.5%. This is the third cut since August 2024 and is aimed at boosting the economy, which has been struggling to grow. The decision was made as inflation is expected to rise to 3.7% in the short
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Need Fast Flexible Funding Are you looking to raise money quickly to: Consolidate existing debts into one manageable payment? Complete home improvements or renovations? Buy a new car or motorbike? Pay a tax bill before the January deadline? A second charge loan secured against your home could help you access the funds you need without
Unlock The Value In Your Home – Flexible Funds For Any Legal Purpose Read More »
Late Appointments Now Available With flexible appointments available until 7pm, we make it easier than ever to fit mortgage advice into your busy schedule. As 2025 is predicted to be one of the busiest years yet, securing your spot early is essential. Don’t wait – take control of your finances and start the year with
Late Appointments Now Available – Book Early Read More »
Use The Button Below To Schedule A Consultation and Start Your Mortgage Journey SCHEDULE AN APPOINTMEMT 🌟Exciting News🌟 Meet Susan Baillie, our new Mortgage & Protection Adviser and a true powerhouse in the financial services industry! With a stellar career spanning over two decades, Susan brings unparalleled expertise and dedication to IMDNE. Having excelled as
Welcoming Susan Baillie: A Seasoned Expert Joining the IMDNE Team Read More »
