Andrew Ray Mortgages is an FCA-regulated mortgage broker based in Medway, ME5 9FD, specialising in Buy-to-Let, First Time Buyers, Residential. Rated 5/5 from 1 review.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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J M
2 Jun 2025I had a fantastic experience with Andrew Ray Mortgages. Andrew provided an incredible service—fast, efficient, and highly professional throughout the entire process. He was always available to answer questions and made everything clear and straightforward. Most importantly, he secured a very competitive rate for me. I couldn’t have asked for a smoother experience. Highly recommended!
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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