23rd June 2023

How long should I fix my mortgage for?

Written by Sam Murphy
Posted in Base Rate, Mortgages, Personal Finance, Property, The Economy

When taking out a new mortgage product, you will have the choice of either choosing a fixed rate or a variable rate. A fixed rate… Read More

4th May 2023

Are UK House Prices Stabilising?

Written by Sam Murphy
Posted in Base Rate, Buy-to-Let, First Time Buyers, Markets, Mortgages, Property, The Economy

According to a recent survey by Nationwide, UK house prices increased by 0.5% in April 2023, ending a seven-month period of consecutive declines. This may… Read More

19th April 2023

Will interest rates ever start to fall?

Written by Sam Murphy
Posted in Base Rate, Buy-to-Let, First Time Buyers, Homebuying Process, Lifestyle, Markets, Mortgages, The Economy

Interest rates have been heading in one direction for more than a year now, rising from 0.1% in December 2021 to 4.25% today.  That’s had… Read More

16th March 2023

Spring Budget 2023 – Key Announcements

Written by Sam Murphy
Posted in Base Rate, Budget, Markets, Retirement, The Economy

Jeremy Hunt, the Chancellor of the Exchequer, delivered his Budget on Wednesday 15th March 2023, in which he unveiled big changes to pensions and childcare… Read More

18th November 2022

Why are fixed rates falling while the base rate is rising?

Written by Sam Murphy
Posted in Base Rate, Markets, Mortgages

Although we are seeing the Bank of England base rate rise, that does not necessarily mean that mortgage rates will too. To help clarify things,… Read More

27th October 2022

How can I reduce my mortgage payments?

Written by Sam Murphy
Posted in Base Rate, Budget, First Time Buyers, Markets, Mortgages, Property, Self Employed, The Economy

Due to the recent financial turbulence, a lot of us are feeling the pinch with the cost of living rising and now with the a… Read More

13th October 2022

How do rising interest rates impact homeowners and first-time buyers?

Written by Sam Murphy
Posted in Base Rate, Budget, Markets, Mortgages

Since the financial crisis of 2008, the Bank of England has kept its base rate low, meaning that borrowing has been cheap for banks, and… Read More

6th October 2022

How does the falling pound affect me?

Written by Sam Murphy
Posted in Base Rate, Budget, Lifestyle, Markets, Mortgages, The Economy

The pound went into freefall after Chancellor Kwasi Kwarteng’s Mini Budget, with news of a raft of tax cuts at a time of soaring inflation… Read More

23rd September 2022

Autumn Mini Budget – Key Announcements

Written by Sam Murphy
Posted in Base Rate, Budget, Markets, Mortgages, Property, The Economy

Kwasi Kwarteng, the new Chancellor of the Exchequer, has delivered a mini Budget, dubbed The Growth Plan, in which he promises “a new approach for… Read More

24th June 2022

How high will eurozone interest rates go?

Written by Sam Murphy
Posted in Base Rate, Budget, Markets, Mortgages

The UK is far from alone as it struggles with soaring inflation, as fiscal policymakers in Europe are also looking at keeping rising costs under… Read More