News

08 May 2025

Bank of England Base Rate reduces 

On Thursday 08 May 2025, the Bank of England base rate reduced to 4.25%.

If you have a fixed rate that is approaching the end date or if your mortgage on a lender's Standard Variable Rate, please contact me and I can explore the mortgage options available to you.

07 November 2024

Bank of England Base Rate reduces 

On Thursday 07 November 2024, the Bank of England (BoE) base rate reduced to 4.75%.

If you have a fixed rate that is approaching the end date or if you're on a lender's Standard Variable Rate, please contact me and I can explore the mortgage options available to you.

21st September 2023

Bank of England Base Rate remains unchanged

On Thursday 21st September 2023, the Bank of England (BoE) base rate remains unchanged at 5.25%, as inflation continues to fall. This is a positive step and many lenders are slowly reducing their interest rates.

If you have a fixed rate that is approaching the end date or if you're on a lender's Standard Variable Rate, please contact me and I can explore the mortgage options available to you.

20th September - 26th September 2023 

Shared Ownership Week

From 20th - 26th September celebrate a whole week of Shared Ownership. This is becoming an increasingly more popular and affordable way for some people to become homeowners. The minimum deposit required is just 5% of the share purchase price. Shared Ownership works by purchasing a share of a property (typically between 25% - 75%) and renting the remaining from a local authority or registered housing association. You can purchase a greater share of the property in the future, which is known as 'staircasing.'

For more information about Shared Ownership or to understand whether a property is affordable from a mortage point of view, please contact me and I'd be delighted to assist.

03rd August 2023

Bank of England Base Rate Increase

On Thursday 03rd August 2023, the Bank of England (BoE) base rate increased by 0.25% from 5.00% to 5.25% in a move to control inflation.

If you have a fixed rate mortgage, you won't experience any changes to the rate or your monthly repayment (until the initial fixed term ends). If you have a tracker rate or are on the lender's Standard Variable Rate (SVR), you will see an increase to the interest rate and your monthly repayment in due course. Your lender will contact you to confirm the revised interest rate and new monthly repayment. If you are on a variable-style mortgage rate and want to have a set monthly repayment for budgeting reasons and to prevent future potential monthly increases, please contact me and I can research the best re-mortgage solution for your need.

22nd June 2023

Bank of England Base Rate Increase

On Thursday 22nd June 2023, the Bank of England (BoE) base rate increased by 0.50% from 4.50% to 5.00% in a move to control inflation.

If you have a fixed rate mortgage, you won't experience any changes to the rate or your monthly repayment (until the initial fixed term ends). If you have a tracker rate or are on the lender's Standard Variable Rate (SVR), you will see an increase to the interest rate and your monthly repayment in due course. Your lender will contact you to confirm the revised interest rate and new monthly repayment. If you are on a variable-style mortgage rate and want to have a set monthly repayment for budgeting reasons and to prevent future potential monthly increases, please contact me and I can research the best re-mortgage solution for your need.

11th May 2023

Bank of England Base Rate Increase

On Thursday 11th May 2023, the Bank of England (BoE) base rate increased by 0.25% from 4.25% to 4.50%.

If you have a fixed rate mortgage, you won't experience any changes to the rate or your monthly repayment (until the initial fixed term ends). If you have a tracker rate or are on the lender's Standard Variable Rate (SVR), you will see an increase to the interest rate and your monthly repayment in due course. Your lender will contact you to confirm the revised interest rate and new monthly repayment. If you are on a variable-style mortgage rate and want to fix your repayments to prevent future potential monthly increases, please contact me and I can research the best re-mortgage solution for your need.

09th May 2023

Skipton introduce Track Record Mortgages with 0% Deposit 

Skipton is the first lender to offer mortgages without a deposit. Mortgages up to 100% loan-to-value for first-time buyers currently renting who can demostrate a track record of affordability of ALL monthly rent and household expenditure for a minimum of 12 months in the last 18-month period. 

23rd March 2023

Bank of England Base Rate Increase

On Thursday 23rd March 2023, the Bank of England (BoE) base rate increases by 0.25% from 4.00% to 4.25%.

If you have a fixed rate mortgage, you won't experience any changes to the rate or your monthly repayment (until the initial fixed term ends). If you have a tracker rate or are on the lender's Standard Variable Rate (SVR), you will see an increase to the interest rate and your monthly repayment. Your lender will contact you in due course to confirm the revised interest rate and new monthly repayment. If you are on a variable-style mortgage rate, please contact me and I can research the best re-mortgage solution for your need.

02nd January 2023

Bank of England Base Rate Increase

On Thursday 02nd January 2023, the Bank of England (BoE) base rate increases by 0.50% from 3.50% to 4.00%.

If you have a fixed rate mortgage, you won't experience any changes to the rate or your monthly repayment (until the initial fixed term ends). If you have a tracker rate or are on the lender's Standard Variable Rate (SVR), you will see an increase to the interest rate and your monthly repayment. Your lender will contact you in due course to confirm the revised interest rate and new monthly repayment. If you are on a variable-style mortgage rate, please contact me and I can research the best re-mortgage solution for your need.

The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on the website,                       www.financial-ombudsman.org.uk.

Joanna Stickings - Principal and Mortgage and Protection Adviser

Joanna Stickings trading as Certitude Wealth (FCA Number 618000) is an appointed representative of Julian Harris Mortgages Ltd (FCA Number 304155), which is authorised and regulated by the Financial Conduct Authority.

Joanna Stickings - Principal and Mortgage and Protection Adviser