Bank of England4.50%

Avg 2yr Fixed4.49%

Avg 5yr Fixed4.25%

Avg SVR7.85%

Avg Tracker5.20%

Bank of England4.50%

Avg 2yr Fixed4.49%

Avg 5yr Fixed4.25%

Avg SVR7.85%

Avg Tracker5.20%

Mortgage Intelligence

The Insights
Engine

Market analysis, buyer guides, and economic insight — empowering you with the intelligence to make confident financial decisions.

Market Trends

Market Update: Why Consistency Wins in Today's Mortgage Market

The market has settled, clients value advice over price, and the advisers winning right now are the ones doing the small things every single week. A message from our Managing Director, Gareth.

14 Jul 20263 min read

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Loan Impact

Clients increasingly value advice over price as products change and criteria becomes more complex.

Bank of England

4.50%

Avg 2yr Fixed

4.49%

Avg 5yr Fixed

4.25%

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Moving house?

This guide will provide you with a step-by-step process to help make the home buying experience as smooth and stress-free as possible.

Career & Earnings9 Jul 2026

What Self-Employed Mortgage Advisers Actually Earn in 2026 (The Real Numbers)

What do self-employed mortgage advisers actually earn in the UK in 2026? Real income ranges by case volume, commission split and career stage — plus: find your own number.

Rate Impact

Self-employed advisers on 80% splits earn up to £84k+ on procuration alone, before protection income.

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Market Trends28 Jun 2025

Bank of England Holds Base Rate at 4.50% — What It Means for Borrowers

The Monetary Policy Committee voted to maintain the current base rate, signalling a cautious approach amid mixed economic data. Here's what this means for your mortgage repayments and future borrowing costs.

Rate Impact

Fixed rates expected to remain stable through Q3. Variable rate borrowers see no immediate change.

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Buyer Guides22 Jun 2025

First-Time Buyer Guide: How to Maximise Your Borrowing Power in 2025

With mortgage affordability tests evolving, first-time buyers need a clear strategy. We break down the key steps to strengthen your application and access the best deals on the market.

Rate Impact

First-time buyer products averaging 4.35% for 5-year fixes with 10% deposit.

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Economic Analysis18 Jun 2025

UK Housing Market Report: Regional Price Trends and Forecast

House prices continue to show regional variation, with the North West and Midlands outpacing London for growth. Our analysis covers the latest data and what it signals for buyers and investors.

Rate Impact

Higher property values in growth regions may affect LTV ratios and available rates.

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Market Trends12 Jun 2025

Remortgage Window: Why the Next 6 Months Could Save You Thousands

With over 1.6 million fixed-rate deals expiring in 2025, now is the time to review your options. We explain why acting early on your remortgage could lock in significant savings.

Rate Impact

Remortgage rates averaging 4.15% for 5-year fixes — down 0.3% from January.

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Economic Analysis5 Jun 2025

Buy-to-Let in 2025: Tax Changes, Yield Expectations, and Market Outlook

The buy-to-let landscape continues to evolve with regulatory changes and shifting tenant demand. Our analysis covers what landlords and investors need to know this year.

Rate Impact

BTL rates averaging 5.10% for 75% LTV products. Rental yields strongest in the North.

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Buyer Guides30 May 2025

Understanding Mortgage Protection: The Policies Every Homeowner Needs

Beyond the mortgage itself, protecting your home and family requires the right insurance cover. We explain the essential policies and how to choose the right level of protection.

Rate Impact

Protection premiums have decreased 8% year-on-year for standard life cover.

Read Article

The InsightsEngine

Market Update: Why Consistency Wins in Today's Mortgage Market

Moving house?

What Self-Employed Mortgage Advisers Actually Earn in 2026 (The Real Numbers)

Bank of England Holds Base Rate at 4.50% — What It Means for Borrowers

First-Time Buyer Guide: How to Maximise Your Borrowing Power in 2025

UK Housing Market Report: Regional Price Trends and Forecast

Remortgage Window: Why the Next 6 Months Could Save You Thousands

Buy-to-Let in 2025: Tax Changes, Yield Expectations, and Market Outlook

Understanding Mortgage Protection: The Policies Every Homeowner Needs

The Insights
Engine