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Mortgage Market Update

Mortgage Market Update

By Richard Campo

Rose Capital Partners takes the time to understand your goals to secure the best mortgage deal on your behalf. Our aim is to maximise your borrowing potential, if that's your goal, minimise your monthly payments wherever possible, and will always work with you throughout the life-cycle of the loan to manage down the debt. Clients are treated as a valued customer, not a transaction, and dealt with by an experienced empathetic person, not an algorithm. We have access to the most competitive deals and with no affiliation to third parties, we will always act in the best interests of our clients.
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Buy To Let Mortgages - 3 key things to consider

Mortgage Market UpdateNov 21, 2023

00:00
02:44
Buy To Let Mortgages - 3 key things to consider
Nov 21, 202302:44
High Net Worth Mortgages
Nov 15, 202301:34
Arranging An Interest Only Mortgage
Nov 06, 202301:41
Mortgage Market Update - October '23

Mortgage Market Update - October '23

In this months market update we cover off: - Are interest rates stabilising? - What product is best to take right now? - In depth look at market data So for all that and more, we hope you enjoy our Mortgage Market Update and if you need assistance, please do get in contact on the details below https://rosecp.co.uk/contact-us/ #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

Nov 01, 202308:01
Mortgage Market Update – Edition 379 – May '22 Round Up

Mortgage Market Update – Edition 379 – May '22 Round Up

This week, we look back over the key themes in May and how the rest of the year may shake out. Also, maybe why we are rubbish on Social Media, but we look back over (very) long term trends to get better context on the market. Key points looked at are:

· Mortgage Rates Continue to Rise

· House Prices Reach Record new highs (again)

· The Best Mortgage Rates and Money Markets

· How we digest this data to get your mortgage paid off faster!

So for that, a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

Jun 06, 202208:49
Mortgage Market Update | Edition 378 | Is Life Cover really complex? with Hilary Banks

Mortgage Market Update | Edition 378 | Is Life Cover really complex? with Hilary Banks

This week, we are joined by the vivacious Hilary Banks, Head of Sales at Guardian to talk over all things Life Cover. On the surface, that may seem very simple, but as we talk over, it can get complicated very quickly. Especially if you have larger assets or more complex affairs. The main topics we talk over are:

· As we are primarily looking at our clients from a mortgage perspective, getting life cover in place is easy surely?

· Where do you see advisors get this part of the process wrong?

· Should all policies to written into Trust? And if so, how do Wills then tie into this process

· Should clients use this as an opportunity to look at their wider affairs (Family, IHT etc) rather than just focusing on the mortgage?

So for that, a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

May 24, 202225:33
Mortgage Market Update | Edition 377 | The Impacts of Inflation on mortgages rates & House Prices

Mortgage Market Update | Edition 377 | The Impacts of Inflation on mortgages rates & House Prices

Off the back of the UK seeing the highest rate of inflation for 40 years, this week, Richard Campo, Founder of Rose Capital Partners, the mortgage advisors, talks over what we are seeing in the following areas:

- House price inflation, which is now 9.8% according to the ONS

- Lenders are pulling their products and increasing pricing faster than ever

- Lenders are tightening affordability if you have debts and kids, which means some people can not borrow as much as they thought

So for that, a lot more, but crucially - how you can still win in this very turbulent market? We hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #inflation

May 22, 202211:04
Mortgage Market Update – Edition 376 – Inside Private Banking with Peter Izard (with video)

Mortgage Market Update – Edition 376 – Inside Private Banking with Peter Izard (with video)

This week we are joined by the engaging and extremely well tailored Peter Izard, Head of Intermediary Mortgages for Investec.

We have a wide ranging conversation about high net worth clients, large loans and more complicated situations, but specifically cover the main points below:

- What is it you are looking for in a mortgage client from a Private Banking perspective?

- How does the Private Banking lending approach differ from High Street lenders?

- What would your top tips(s) be for anyone who wants to take out a mortgage in this area?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

May 13, 202225:09
Mortgage Market Update – Edition 375 – Base Rate Reaction with Nick Plappert

Mortgage Market Update – Edition 375 – Base Rate Reaction with Nick Plappert

Following the Bank of England’s rate rise in May, Nick Plappert, Director at Rose Capital Partners joins Richard Campo to talk over the main issues in this area, such as:

- Following the Bank of England taking rates from 0.75% to 1%, how high do you think rates will go? And over what timeframe?

- Have we seen lenders change many products off the back of this?

- Is it just the BoE pushing up mortgage rates or are there other factors at play?

- Has this affected lender criteria in any way or is there still appetite to lend?

- There is a lot of talk of recession now, even if that happens, do you think that will directly impact house prices or mortgage lending?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

May 06, 202213:55
Mortgage Market Update - Edition 374 - April '22 Round Up

Mortgage Market Update - Edition 374 - April '22 Round Up

This week we review the month of April and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are:

- UK Base Rate and Mortgage Rates On The Rise

- House Prices Reach Record Levels Again

- Lenders Love Higher Earners

- Money Market & Mortgage Rates

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

May 02, 202213:10
Mortgage Market Update | Edition 373 | Interest Only with Jerome Fick

Mortgage Market Update | Edition 373 | Interest Only with Jerome Fick

This week we talk to Jerome Fick, Mortgage Expert at Rose Capital Partners, to talk over all aspects of Interest Only mortgages, which is a very complex and sometimes risky area. In the conversion we discuss the below points and a few case studies:

- What is an interest only loan?

- Why do clients want a loan this type of lending?

- What is the qualifying criteria for this?

- How does this fit within our principle of getting our clients debt free?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #interestonlymortgage #interestonly

Apr 22, 202219:31
Mortgage Market Update | Edition 372 | Introduction to protection with Molly Dunn

Mortgage Market Update | Edition 372 | Introduction to protection with Molly Dunn

This week we talk to our resident Protection Expert, Molly Dunn, on why it is so important to ensure you have adequate protection for your mortgage, why everyone needs cover and why we deny the numbers in this area. Key topics we discuss are:

  • Why do clients need protection?
  • What forms of protection are generally relevant to people?
  • What if you have existing cover?
  • What if I have cover through work?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #mortgageprotection

Apr 18, 202213:46
Mortgage Market Update | Edition 371 | First Time Buyers with Joanna Ziou

Mortgage Market Update | Edition 371 | First Time Buyers with Joanna Ziou

This week we look at what info First Time Buyers should know when they come to get a mortgage with Joanna Ziou, Mortgage Expert at Rose Capital Partners. She also talks over a recent case study and also covers areas such as:

- Who qualifies as a first-time buyer?

- How much deposit does a first-time buyer need?

- What benefits do first-time buyers get?

- What is the average age of a first-time buyer?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer

Apr 10, 202211:34
Mortgage Market Update | Edition 370 | March ’22 Review

Mortgage Market Update | Edition 370 | March ’22 Review

This week we review the month of March and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are:

- UK Base Rate and Mortgage Rates On The Rise

- House Prices Reach Record Levels Again

- Lenders Love Higher Earners

- Money Market & Mortgage Rates:

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

Apr 03, 202212:51
Mortgage Market Update | Edition 369 | Remortgage with Paul Asare

Mortgage Market Update | Edition 369 | Remortgage with Paul Asare

This week we look at top tips when you come to remortgage with Paul Asare, Mortgage Expert at Rose Capital Partners. He also talks over a recent case study and also covers areas such as:

1. How do I remortgage my house?

2. What is needed to remortgage?

3. Can you do a remortgage yourself?

4. How much deposit do you need to remortgage?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #remortgage

Mar 27, 202219:35
Mortgage Market Update | Edition 368 | Commission Income with Bethany Smith
Mar 20, 202213:36
Market Update | Edition 366 | Complex Income with Jerome Fick

Market Update | Edition 366 | Complex Income with Jerome Fick

This week we look at how to get a mortgage if you a complex income, with Jerome Fick, Mortgage Expert at Rose Capital Partners, who also talks over a recent case study. This will typically include people who are - self employed, working on a contract, have variable income, vesting stocks, carry, and even large bonuses or commission.

We also cover areas such as:

1. What a complex income actually is when looking at mortgages

2. How to find the right solutions when recommending lenders

3. The most commonly asked questions in this area

So for that and a lot more, we hope you enjoy the update

https://youtu.be/n8nfoMk6YCw

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #selfemployed #contractor

Mar 11, 202214:30
Mortgage Market Update | Edition 366 | February Review

Mortgage Market Update | Edition 366 | February Review

Wow, what a month it was! After a calm January heading into what looked like a world getting back to ‘normal’, we are then on cusp of the largest military campaign since 1945. These truly are uncertain times.

So in such uncertain times, we try our best to make sense of it all and how you ride out the storm.

Key topics discussed are:

1. How will the conflict in Ukraine affect the UK Mortgage Market?

2. Will there be an impact on the UK Property Market?

3. What is the outlook now for Interest Rates?

So for that, the best mortgage rates, money market & housing data, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage

Mar 03, 202210:15
Market Update | Edition 365 | Bonus Income with Mike Brooker
Feb 27, 202216:53
Market Update | Edition 364 | Large Loans with Nick Plappert

Market Update | Edition 364 | Large Loans with Nick Plappert

This week we look at large loans in more detail with Nick Plappert, Director at Rose Capital Partners, who also talks over a recent case study

We also cover areas such as:

1. Treatment of bonus income

2. How complex income such as Carry, Vesting stock and investments are assessed

3. High Street vs Private Bank lending

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans

Feb 19, 202213:56
Market Update | Edition 363 | Home Improvements
Feb 13, 202215:05
Market Update | edition 362 | Up, Up & Away?

Market Update | edition 362 | Up, Up & Away?

This week we look at:

- What impact has/will the base rate increase have on mortgage products and criteria?

- Is there now an affordability squeeze?

- Is the London property market coming back?

For that, the best mortgage rates and a lot more, we hope you enjoy our weekly market update

You can also find out more on Jack Monroe's work here - https://www.bbc.co.uk/news/business-60140858

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans

Feb 06, 202211:30
Mortgage Market Update | Non-UK & UK expat mortgages | 03 02 2022 | Edition 361

Mortgage Market Update | Non-UK & UK expat mortgages | 03 02 2022 | Edition 361

We explore the challenges for non-UK nationals and UK nationals abroad seeking a mortgage.

Can an EU citizen get a mortgage in the UK?

Can I get a UK mortgage if I am paid in Euros?

Can I get a mortgage without a UK passport?

Can a non UK resident get a mortgage in the UK?

Feb 03, 202212:07
Mortgage Market Update | G-Rate Expectations | 24 01 2022 | Edition 360
Jan 27, 202210:00
Mortgage Market Update | Upside of Inflation | 17 01 2022

Mortgage Market Update | Upside of Inflation | 17 01 2022

This week we're going to talk through a little bit about the upsides of inflation, and why inflation decreases costs in real terms, one of my favourite economics terms.

It's one of these symbiotic relationships in economic terms. The thing that triggered this thought is that GDP is now above pre-pandemic levels, what that means in the context of the very high inflation we have is in the UK right now, and then ultimately, where that will take us with mortgage interest rates.

Jan 17, 202210:51
Mortgage Market Update - Weekly Update 09 01 2022

Mortgage Market Update - Weekly Update 09 01 2022

Market Update – edition 358

Subject:

• End of LIBOR

• Introduction of SONIA

• Discounted Rates and why they trick best buy tables

Discounted Rates:

- Look closely at

o When was the lenders SVR changed

o What is it linked too

o Does this suit your risk appetite if it is the cheapest rate? (better to fix?)


End of Libor

- Why LIBOR ended

o In 2012, many major banks were implicated in a LIBOR rigging scandal -, including Deutsche Bank (DB), Barclays (BCS), Citigroup (C), JPMorgan Chase (JPM), and the Royal Bank of Scotland (RBS).

o Therefore LIBOR will be phased out by 30th June 2023, with SONIA introduced for one week – two month from 31st Dec 2021, so you will see this as a benchmark from now on

- How does this impact mortgages?

o Very limited. Only really Private Bank, Development, Commercial and some Buy To Let deals tend to be linked directly to LIBOR. For the vast majority of mortgages, The Bank of England Base rate has been the main indices for variable rates for some time


Discounted Rates

- For more common that banks link mortgages to their own SVR (Typically between 3-5%)

- Lenders set their own variable rate and do not have to follow the BoE, but typically do

- Therefore a Discounted mortgage is a reduction off this for a period of time, typically 2 years

o Why is this so important? In a rising interest rate environment these deals often top Best Buy tables, but that can be as

 The lender hasn’t updated their SVR yet

 Also there is a risk that may go higher than the BoE

 This is why we aren’t a fan


Market rates:

Jan 6th change Term

1.428% 0.139% 5 year SWAP

1.351% 0.141% 2 year SWAP

0.483% 0.244% 3 mth LIBOR

0.25% 0.000% BoE

  

Best Rates:

2 Year Variable from 0.99% (discount from H&R, Tracker NW)

2 Year Fixed Rates from 1.09%

5 Year Fixed Rates from 1.37%

BTL Rates from 0.99%

The actual rate you will be offered will be dependent on your personal circumstance and deposit level. Please speak to one of our advisers so that they can guide you through this process

Source: Twenty7Tec January 2021



Jan 13, 202207:53
Mortgage Market Update 040122 | Rose Capital Partners
Jan 12, 202213:35
What you should know about mortgages for multiple incomes
Dec 16, 202105:40
How to arrange Mortgages with Investment income
Dec 16, 202103:52
Why is Income Protection is so important when you have a mortgage?
Oct 26, 202107:25
Essential insight into Life Cover when you get a mortgage | Rose Capital Partners
Oct 25, 202107:38
Critical Illness Cover, What it covers and why you need it
Oct 22, 202107:10
RCP Mortgage Market Update - Mortgage War Hots Up
Sep 28, 202107:01
Essential insight into Life Cover when you get a mortgage | Rose Capital Partners
Sep 26, 202107:38
Critical Illness Cover, What it covers and why you need it
Sep 24, 202107:38
How to get a mortgage if you have Commission Income ?
Sep 20, 202104:20
Essential insight into Life Cover when you get a mortgage | Rose Capital Partners
Sep 17, 202107:38
RCP Mortgage Market Update - Back to Life, Back to Reality
Sep 17, 202107:19
Can you use Trust Income when applying for a Mortgage?
Aug 26, 202103:55
Mortgage Market Update - Broker exclusives back with a bang!
Aug 25, 202105:47
Mortgage Market Update - Start of a property boom?
Aug 24, 202111:53
Mortgage Market Update - Bumper Numbers
Aug 23, 202109:44
Mortgage Market Update - Rate Limbo - London Mortgage Broker
Aug 06, 202105:44
Mortgage Market Update - The best mortgage rates just get lower
Aug 06, 202109:03
Personalised Mortgage Advice
Jul 30, 202102:23
Are you self-employed and looking to arrange a mortgage?
Jul 28, 202106:35
Mortgage Market Update - Rate Game
Jul 26, 202108:49
Mortgage Market Update - Throwback Vibes

Mortgage Market Update - Throwback Vibes

It's impossible not to talk about it! So we look forward to the England game with some nostalgic thoughts. This week we also look at some interesting mortgage topics such as

 - #bestmortgagerates are now at the lowest EVER

 - #houseprices also reach record highs

 - #interestrates also make some interesting moves perhaps due to #inflation

For all this and more, we hope you enjoy our weekly #mortgagenews #mortgagebroker #mortgageadvice #mortgageadvisor

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.


Jul 26, 202104:50
Are you looking to use your bonus income to get a mortgage?
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Mortgage Market Update - Everything is on the up! - Mortgage Brokers London
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