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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.

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.

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

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

I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026

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%.

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

Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com

Rachel Reeves has set out details of her second Budget since becoming Chancellor. Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.