Providing expert mortgage advice for over 25 years.

We are in a much stronger property market in 2022. Buyer demand is up 49% compared to the previous three years and the housebuilding sector has continued to recover from the disruption caused during the pandemic.

Property supply was constrained since the pandemic started, however, supply levels are showing signs they are starting to recover in early 2022. (

New legislation for Buy-to-Let

The government has proposed an Energy Performance Certificate ‘EPC’ rating of ‘C’ or above for all new rental properties on the market from the start of 2025. Changes would be phased in, with existing tenancies given until 2028 to comply.

Increasing demand for new-build homes

Homebuyers and investors are seeing the benefits of buying new-build homes. Due to the latest standards, new builds are greener properties with the majority having an A or B energy efficiency rating and can be substantially cheaper to run.

Developers and housebuilders have responded to the strong demand and the delivery of new builds hit the highest figure in over 20 years. (

What does 2022 hold for the mortgage market?

In 2022 there is more choice than ever before. From long-term fixes, green mortgages, specialist lenders, 95% mortgages to self-employed products, the mortgage market has never been as dynamic as it is today.

What does the base rate rising to 0.75%  mean for my existing mortgage?

For the 80% of UK borrowers on a fixed rate, this rate change will not yet impact your monthly payment.

For borrowers on a variable rate mortgage, including a Standard Variable Rate ‘SVR’, rates are likely to rise, though this depends on the type of variable rate mortgage you have. For those on a tracker mortgage, which directly follow the Bank of England base rate, your rate is likely to increase by 0.25% immediately and payments go up from next month.

For those approaching the end of their existing mortgage deal, looking to purchase a property with a new mortgage, or already on an SVR, rates could likely increase, so it’s best to talk to our expert mortgage advisors, they can help you understand how the increase in base rate might impact you, explore your options for Remortgaging or switching rates.

If you need to discuss capital raising, Remortgaging or switching rates we are here to help.  You can book a free appointment at any time with one of our expert advisors to discuss your options.