Another Interest Rate Rise – what should you do?

Caz Blake-Symes • May 12, 2023

The Bank of England interest rate increased 0.25 percentage points to 4.5% today.


Here at Bristol, Weston, Bath and Exeter Mortgages Online, we are frequently asked the question “

What should I do when the interest rates increase.?

 

The most important action to do is to call us on one of the numbers below.

Nort everybody will be affected.



However, if you are approaching the end of your fixed-term deal, if you are on a Standard Variable Rate or a Tracker mortgage you need to look in depth at all the options available to you.


As a fully independent mortgage broker, we can look at the whole of the market for yu to ensure that you have the best mortgage option that suits your personal situation, aims and affordability.


Whatever your question or query is please call us today.


Our experts at Bristol, Weston, Bath and Exeter Mortgages Online take the stress and legwork out of researching all the numerous options available. As fully independent mortgage brokers, we will investigate the whole of the market on your behalf and discuss the best options to meet your specific goals and circumstances.

 

For further details about the mortgage and protection products we offer as a fully independent mortgage broker, or any other mortgage information, book your FREE CONSULTATION with one of our expert Mortgage Advisers.


Bristol Mortgages Online             www.bristolmortgagesonline.com               Tel 0117 325 1511

Bath Mortgages Online                  www.bathmortgagesonline.com            Tel 01225 584 888

Weston Mortgages Online            www.westonmortgagesonline.com       Tel 01934 442 023

Exeter Mortgages Online               www.exetermortgagesonline.com         Tel 01392 690 888


Email info@swmortgages.com

 


#bristolmortgagebroker #bestmortgageadvice #bristolmortgageadviser #expertmortgageadvice

#independentmortgagebroker#bestmortgagedeals#firsttimebuyermortgage #bestremortgagedeal

#freemortgageconsultation #bestmortgagebroker #buytoletmortgage #investmentmortgage

#hmomortgage #highlyratedmortgagebroker #fivestarrated #googleverified #movetobristol

#endoffixedterm #besttimetoremortgage #earlyredemptionfee #ERC #guarantormortgage


Your First Key to the Door: Why Bristol Mortgages Online is the Perfect Partner for First-Time Buyers

By Caz Blake-Symes • April 11, 2026
Taking that first step onto the property ladder is one of the most exciting milestones of your life—but let’s be honest, it can also feel like navigating a maze blindfolded. Between deposit requirements, credit checks, and legal jargon, the process is daunting.

Why Interest Rates Are Rising Again

By Caz Blake-Symes • March 26, 2026
Recent global developments, including escalating tensions in the Middle East, have started to influence financial markets and, in turn, UK mortgage rates. Understanding how these events filter through to borrowing costs can help you make more informed decisions.

Remortgaging vs. Product Transfers Our Guide

By Caz Blake-Symes • March 17, 2026
If your current mortgage deal is coming to an end, you’ve likely started hearing the words "remortgage" and "product transfer" thrown around. In today’s shifting economic climate, making sure you are on the best possible mortgage rate is more important than ever.

Understanding Mortgage Affordability in 2026

By Caz Blake-Symes • February 16, 2026
we enter 2026, mortgage affordability remains one of the biggest concerns for homebuyers and homeowners alike. With interest rates, living costs, and lending criteria continuing to evolve, understanding what lenders look at when assessing affordability is more important than ever.

First home, faster with My First Mortgage from Santander

By Caz Blake-Symes • February 9, 2026
On 3 February, Santander are the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.

Check out our January 2026 Newsletter!

By Caz Blake-Symes • January 19, 2026
This month’s edition is packed full of informative articles, including • Welcome and overview from Phil Clark • Base rate cut to 3.75%: what could it mean for mortgages? • Interest-Only Mortgages For Later Life. • Need Short-Term Property Finance? • What You Should Know About Second Charge Mortgages • Time to Remortgag

Thinking of Moving or Changing Your Mortgage in 2026?

By Caz Blake-Symes • January 6, 2026
Image courtesy of Freepix Happy New Year! Hope you all had a good Christmas Break and avoided the dreaded coughs and colds. I had the opportunity over the holiday to review many of the various property and finance reports available online, as well as those to which I subscribe. Pleasingly, the general tone is very opti

Season's Greetings from Phil Clark

By Caz Blake-Symes • December 20, 2025
I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026

Base rate cut to 3.75%: what could it mean for mortgages?

By Caz Blake-Symes • December 18, 2025
The Bank of England meets every six weeks to decide what should happen to interest rates, with the aim of keeping inflation to its target and keeping the wider economy healthy. Today, Base Rate was cut from 4% to 3.75%.

House Price Index: November 2025

By Caz Blake-Symes • December 8, 2025
With the Budget uncertainty now lifted, buyers and sellers can return to making decisions about their next move. Removing the threat of a new annual property tax from 210,000 homes for sale will help revive market activity in higher-value areas. However, the lack of any stamp duty reform means homebuyers will continue