Mortgage118 Insights

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Mortgage Rates News

Discover expert insights, practical guidance, and the latest market news in mortgage rates.

UK Mortgage Affordability at its Toughest since 2008: What it Means for Borrowers

Mortgage affordability in the UK is at its toughest since 2008, with East Anglia being the least affordable region. Londoners have the highest average mortgage debt of £280,000.

6 May 2026

4 min read

Mortgage Rates

UK Homeowners Allocated a Fifth of Income to Mortgages in 2025

UK homeowners spent around a fifth of their income on mortgage payments in 2025, the highest level since 2008. The areas with the least affordability were North Norfolk and the London Borough of Hillingdon, where over a quarter of gross income went to mortgage repayments.

6 May 2026

3 min read

Mortgage Rates

UK Mortgage Borrowing Rises to £6.2bn in March 2026: What it Means for Borrowers

UK mortgage borrowing rose 19% to £6.2 billion in March 2026, with increased approvals for both house purchases and remortgages, and decreased interest rates.

6 May 2026

3 min read

Mortgage Rates

UK House Price Growth Rises to 3% in April 2026: What Does This Mean for Mortgages?

UK house price growth has risen to 3.0% in April 2026, potentially impacting mortgage repayments for homeowners and investors.

6 May 2026

3 min read

Mortgage Rates

Leeds BS and Coventry Slash Mortgage Rates: Impact on UK Borrowers in 2026

Leeds Building Society and Coventry for Intermediaries have cut their mortgage rates by up to 0.35%. This significant decrease will impact both new and existing borrowers.

6 May 2026

3 min read

Mortgage Rates

UK Homeowners Spend 21% of Income on Mortgages: What This Means in 2026

UK homeowners are committing around 21.3% of their gross income to initial mortgage repayments as of May 2026, the highest level since 2008. There are significant regional differences in mortgage affordability and buy-to-let returns.

6 May 2026

3 min read

Mortgage Rates

Cloud Mortgages Joins Stonebridge Network: Impact on UK Mortgage Market in 2026

Cloud Mortgages has switched its network to Stonebridge from Primis. This move could potentially influence the mortgage rates and services available to borrowers in the Midlands, North West, and Scotland.

5 May 2026

3 min read

Mortgage Rates

UK House Price Growth Increases to 3% in April 2026: Impact on Mortgage Payments

The UK s annual house price growth rose to 3% in April 2026, affecting mortgage payments for first-time buyers, remortgagers, and landlords.

1 May 2026

3 min read

Mortgage Rates

UK Mortgage Market Sees Rise in Approvals and Lending in March 2026

The Bank of England s Money and Credit report for March 2026 reveals a significant increase in gross mortgage lending and approvals, with net borrowing of mortgage debt jumping to £16.2bn.

1 May 2026

3 min read

Mortgage Rates

West One Expands Mortgage Division: What it Means for UK Borrowers in 2026

West One s expansion of its mortgage division, including the promotion of Jason Ruse to National Account Manager, aims to streamline the mortgage process for borrowers across the UK.

30 April 2026

3 min read

Mortgage Rates

UK Base Rate Holds at 3.75%: Implications for Mortgage Borrowers in 2026

The Bank of England base rate remains at 3.75% as of April 2026, with a potential increase on the horizon. This could significantly impact mortgage borrowers.

30 April 2026

3 min read

Mortgage Rates

NatWest Slashes Mortgage Rates by up to 37bps: What it Means for Borrowers in 2026

NatWest has announced a significant reduction in its mortgage rates by up to 37 basis points, leading to potential savings for both residential and buy-to-let borrowers.

20 April 2026

3 min read

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