Archived Articles

The outlook for the UK mortgage market during the last quarter of the year potentially appears more positive than earlier this year, with benefits for those looking to remortgage and for homebuyers. After much economic uncertainty, mortgage rates are widely predicted to gradually ease as we approach 2025. Goldman Sachs has predicted that interest rates …

Purchasing or remortgaging your home can be overwhelming and it is often considered one of the most stressful things you can do. Income and affordability are common concerns, and a mortgage is far more complicated than simply opting for the lowest rate or the best incentives. Finding out the best rate, length of term, which …

Later Life Finance can help a variety of needs such as repaying an existing mortgage, supplementing retirement income, home improvements or providing financial assistance to your family. In 2022/2023 there was an increase from the previous year of 9% in first time buyers receiving help from their family and friends to get onto the property …

The Mortgage Charter Whilst the Government is actively committed to halving inflation by the end of 2023, the current pressure on household spend continues due to the impact of successive base rate rises. In recognising that this is a concerning time for mortgage holders, particularly those who are due to come to the end of …

We have won the ‘Best Broker Firm for Overall Quality’ With numerous changes happening on a national and global scale, Springtide Capital are proud to have sustained our high-level of overall quality and remained a trusted expert in the mortgage market. We are pleased to have been recognised by the Legal and General Mortgage Club …

The housing market needs first-time buyers to keep it moving. While the average age of first-time buyers has been creeping up and now stands at over 33 years of age, the number of buyers has dwindled, falling by more than 10% between 2021 and 2022. People are finding it harder and harder to make the …

In a month where inflation remains stubbornly high, The Bank of England’s Monetary Policy Committee (MPC) continues to revise monetary policy to meet the 2% inflation target. At its meeting this month the MPC voted to increase Bank Rate by 0.25 percentage points, to 4.5%. This is the 12th consecutive rise in interest rates. The …

In the period since the tragic Grenfell Tower fire of 2017, understanding unsafe cladding has been a key issue when it comes to mortgages. Many of those living in similar buildings have been unable to remortgage or to sell their properties. Steps taken in response to the Grenfell Tower tragedy understandably resulted in revised regulation …

With hundreds of mortgages available, it can be daunting getting started on the journey to securing a mortgage. There are many things you can do to make the process as easy as possible. Here we will highlight some of them. Preparation Get your paperwork in good order. Having the information to hand from the outset …

How many times does the average person in the UK move house? Surprisingly, according to a recent poll from Zoopla it’s only once every 23 years. This has risen dramatically since the late 80s when the average was a little under nine years. Given this and the fact that about 85% of current mortgage stock …