News & Insight

All the latest industry news and insight on Contractor Mortgages, make sure to stay up to date with everything mortgage-related.
23 Dec 2021

Looking Ahead to 2022

Base rate rises  The Bank of England finally raised the base rate in December, bringing it from 0.1% to 0.25%. The inflation rate is now 5.1% thanks to rising energy costs, which compares to the Bank’s target of 2%. Given that raising interest rates tends to curb inflation, you wouldn’t bet against at least a couple more rate rises in 2022. This means mortgages could become a little more expensive as the year goes on. How rapidly the base rate increases likely depends on Omicron – the more confidence is dented by the virus the more cautious the Bank will be about increasing the cost of borrowing for you and me. 

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3 Nov 2021

Autumn Budget 2021 roundup

This year’s Autumn Budget contained some notable changes – as well as a landlord tax hike the government changed its mind on at the eleventh hour.

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23 Jul 2021

What’s the appeal of green mortgages?

Green mortgages are a growth area due to a combination of government pressures and rising demand, as there’s a growing recognition that it’s worth it to improve a home’s EPC rating.

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14 Jun 2021

Get a mortgage as an umbrella contractor inside IR35

If you’re worried about getting a mortgage after the IR35 changes, we are here to help, whether you are inside or outside IR35

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26 Apr 2021

Santander release a tonic for self-employed Covid-19 victims!

Santander is excluding the 2020/21 tax year when assessing self-employed mortgage applicants who’ve been adversely affected by the pandemic.

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20 Apr 2021

95% Loan To Value Mortgage Guarantee Scheme is here!!!

The government has launched a scheme for people with a 5% deposit, in the long run this could drive down rates, as financial institutions desperately clamour for your business.

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2 Mar 2021

Help to Buy Mortgage Guarantee scheme to launch

Help to Buy mortgage guarantee scheme being announced in the Budget on Wednesday - 5% deposit mortgage.

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21 Feb 2021

Stamp duty holiday could be extended by six weeks

According to the unnamed source Rishi Sunak is keener for a shorter extension of around six weeks rather than the six months requested in the high-profile petition on the subject.

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