Independent Mortgages Direct NE

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Gary Howe

Qualified and experienced Mortgage Broker and Principle of IMDNE with over 30 years experience looking after retail mortgage customers. Authorised and Regulated by the Financial Conduct Authority (FCA Ref 301727) and a member of the Association of Mortgage Intermediaries (AMI).

Paul Mansell Passes LIBF Exam

Certified Practitioner In Specialist Property Finance – Paul Mansell

Commercial Finance /

Specialist Property Finance 🌟 Huge congratulations to Paul Mansell, for passing the London Institute of Banking & Finance (LIBF) Certified Practitioner examination in Specialist Property Finance (CPSP)! 🌟 This is a fantastic achievement and a testament to Paul’s expertise and dedication in the field of specialist lending. If you’re seeking expert advice on specialist property finance, […]

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2024 - 2025 Mortgage Rates

Global Volatility Drives Up Mortgage Rates – What You Need to Know

Inflation, Interest Rates, Mortgage Market /

Mortgage Rates Rise Mortgage lenders are raising rates in response to global economic uncertainty and a consistent rise in swap rates. This shift intensifies market competition as lenders battle it with reduced profit margins to secure market share and build a strong pipeline ahead of 2025. Several factors contribute to this trend, including the increasing

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Autumn Labour Budget

Beat The Budget – Book Your New Mortgage Rate Early

Inflation, Interest Rates, Mortgage Market /

Budget Anticipation The upcoming Autumn Budget is becoming a critical factor influencing financial markets. This budget is particularly significant as it arrives at a time when the UK is grappling with inflation, slowing economic growth, and the need for fiscal responsibility after years of pandemic-related borrowing. The budget’s impact on inflation, government debt levels, and

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Halifax Green Living Reward Cashback

Halifax Launch “Green Living Reward” Cashback Reward For Mortgage Customers

First Time Buyer, New Build, Purchase, Re-Mortgage /

Green Living Reward – Cashback We had a fantastic meeting with Dale Wighton from Halifax, who couldn’t help but grin ear to ear as he split the beans about Halifax’s new “Green Living Reward” You know it will be good when someone smiles that much while talking about a rewards program. Halifax is about to

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Rise In House Prices

Enhanced Affordability For Borrowers As Swap Rates Fall Below 4%

Inflation, Interest Rates, Mortgage Market /

Rate Reductions Continue Continued reductions in swap rates have further lowered lenders’ fixed-rate mortgage products. With increasing competition, lenders may continue cutting rates to undercut rivals and attract more customers. This decline in mortgage rates has not only heightened competition but also improved affordability for borrowers. As competitive pressures drive borrowing costs down, consumers benefit from

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Atom Bank 95% New Build With 5% Builders Incentive

ATOM Bank Launch 95% LTV For New Build Houses In Greater London & South East

First Time Buyer, New Build, Purchase /

Policy & Criteria Changes for New Build Houses Policy Change Atom Bank has launched products designed to help people in Greater London and the South East acheive theit homeowner dreams by enhancing affordabioty and increasing the Loan to Value (LTV) limits for New Build houses within the postcode prefixes listed below.   Greater London SM,

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Bank of England

Bank of England Lowers Base Rate From 5.25% To 5.00%

Inflation, Interest Rates, Mortgage Market /

Base Rate Reduced To 5.00% The Bank of England (BoE) has cut interest rates from 5.25% to 5%, marking the first reduction since the pandemic began. The decision was close, with the BoE’s monetary policy committee (MPC) voting five to four in favor of the cut. Policymakers have been trying to manage inflation, which was

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Lender Rate Reductions

Lenders Drop Rates As Swap Rates Stabilise

Inflation, Interest Rates, Mortgage Market /

Mortgage Rates Reduced Following the election, the swift rise in swap rates led many lenders to increase their mortgage rates. This strategic move was designed to protect against potential future borrowing costs. However, as swap rates stabilised, lenders grew more confident in the market’s equilibrium. This newfound stability enabled them to reduce mortgage rates, benefiting

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