Archived Articles

In moves that can significantly shape the current UK housing market, mortgage lenders are beginning to loosen the affordability rules that have long limited how much prospective buyers can borrow. 6.5 times salary mortgages are back on the market, demonstrating a re-evaluation of mortgage lending rules across the banking sector. Previous stress testing for mortgage …

Navigating the housing market as a first-time buyer can be challenging. For most, a house purchase is the most expensive purchase you are likely to make in your lifetime. Successful budgeting and planning, understanding what is available in terms of mortgages, and choosing the right location are all key areas to consider. Data from a recent …

The usual summer lull in Britain’s housing market has been mitigated amid interest rate cuts and affordability changes. These factors are helping to support bigger home loans fuelling a “buyer’s market”, according to a Zoopla. The record number of homes for sale was keeping price rises in check, it said, with the average UK house …

IMLA predicts that the share of mortgage business done via intermediaries will continue to grow from 87% in 2024 to 89% in 2025 and 91% in 2026. Kate Davies, executive director of IMLA, said: “The proportion of mortgage cases arranged by intermediaries rather than directly with lenders has surged from 61.9% in 2014”. This is …

Zoopla has reported the number of sales agreed in May was the highest in four years. Most sellers are also buyers who are seizing the opportunity to agree purchases, encouraged by some attractive mortgage deals and the ability to borrow up to 20 per cent more. This is due to affordability rules and stress testing …

Founded in 2004, we pride ourselves on the individual service and specialist advice we provide to our clients. Springtide Capital mortgage brokers are a team, who together have over 200 years of market knowledge behind them. Repeat business accounts for over 60% of the work we do, and trusted relationships are at the heart of …

The FCA has responded to government calls for regulators to support growth in the mortgage market, outlining a series of regulatory changes it plans to introduce throughout 2025. At the start of the year, in a letter to the Prime Minister, Chancellor, and Secretary of State, FCA Chief Executive Nikhil Rathi proposed areas for reform. On March 7th 2025, …

Appling for a mortgage can seem like a daunting task, especially as it’s one of the largest investments you’re ever likely to make. But it needn’t be stressful if you prepare well and seek the right advice. In this article we outline some of the key things to prepare in advance that will help you …

Increased mortgage market activity and stamp duty changes set for 2025 The Bank of England reduced the bank rate on 6th February to 4.5%, from 4.75%. This decline is anticipated to translate into lower mortgage rates, benefiting both new purchasers and those looking to refinance. Key figures for 2024  The latest figures from UK Finance illustrate that throughout …

Springtide Capital was founded in 2004, and we pride ourselves on the individual service and specialist advice we provide to our clients. When you choose Springtide Capital as your mortgage broker you engage a team who together have over 200 years of market knowledge behind them. Unlike some banks, we continue to track the ever …