News

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 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.

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.

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