News

26 September 2026

"Your First Home" - equity loan scheme announced by the Government

On 26 September 2026, the Government announced the proposal for a new scheme to help first-time buyers.

"Your First Home" will be avaliable to first-time buyers in England buying a new build property from a qualifying builder. The minimum deposit from the purchaser is 2.5% of the purchase price and the Government will provide a 20% equity loan. The equity loan will be interest free of a set period before interest is charged.

The "Your First Home" scheme will be confirmed at the Budget meeting in October.

17 September 2026

Bank of England Base Rate held 

On Thursday 17 September 2026, the Bank of England base rate held at 3.75%.

The next Monetary Policy Committee meeting is on Thursday 05 November 2026. 

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

30 July 2026

Bank of England Base Rate held 

On Thursday 30 July 2026, the Bank of England base rate held at 3.75%.

The next Monetary Policy Committee decision is scheduled for Thursday 17 September 2026. 

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

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.

Information, guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. 

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 trading as Certitude Wealth (FCA number 618000) is an appointed representative of Julian Harris Adviser Network Limited, authorised and regulated by the Financial Conduct Authority (FCA number 304155).

Joanna Stickings - Principal and Mortgage and Protection Adviser