Spring Newsletter 2023

Following the turmoil caused by last September’s mini-Budget, we’ve seen Fixed Rate mortgage deals reduce from the high levels of last Autumn, yet at a time when the Bank of England Base Rate has risen again!

To many, this may seem strange, but this is because Swap Rates have a greater influence on Fixed Rate mortgages, and as shown in this issue, they’ve reduced since the Autumn.  Additionally, rates will also be affected by world events, plus the desire amongst some lenders to compete for market share, which might deliver better deals for you.

To make sense of all this, it’s vital that you talk to us, as we have the expertise, and know where to look for the most suitable products for your own individual needs.

Some of these issues are set out in the latest newsletter, alongside key snippets from the recent Budget.

The First-Time Buyer faces conflicting issues, such as possible house price falls, and that renting is likely to be more expensive than being a homeowner.  But there’s still the issue of providing the deposit for that first purchase.  We can work with you to find a way forward.

Many of the 4.3m Self-Employed workers feel that they are unfairly penalised when it comes to securing a mortgage loan.  Fortunately, there are lenders out there who take a more favourable view of this sector, and we can help identify the most suitable route for you.


Finally, with 2.5m people currently off work due to long-term sickness, and 50 people, on average, dying every day, who are aged 18-44.  Do, at least, have a conversation with us about both the cost, and what’s on offer regarding Protection Cover.

I hope you find this issue of interest and do get in touch if you have any questions.

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