Sylwia Mortgage & Protection Adviser

05/06/2026

https://www.facebook.com/share/p/18ZkZbUxRz/

🔴Buying your first home is one of the biggest financial decisions of your life — so why would you do it without proper guidance?

The Financial Conduct Authority (FCA) is under pressure to make mortgage advice mandatory for first-time buyers in the UK. Industry experts warn that without professional advice, many people are ending up with mortgages that don't suit their needs, without truly understanding the risks involved — and without any insurance protection if things go wrong.

Shockingly, 58% of UK adults have no financial protection in place, and 72% of identified protection needs go completely unmet.

At Open Financial Services Ltd. (openfs.co.uk), we believe advice isn't a luxury — it's a necessity. Whether you're taking your first step onto the property ladder or reviewing your existing arrangements, we're here to make sure you make the right call.

📌 Source: FT Adviser — ftadviser.com

01/05/2026

https://www.facebook.com/share/p/1E5pLUZ2ur/

18/12/2025

https://www.mortgagesolutions.co.uk/news/2025/12/18/base-rate-cut-to-3-75-lowest-in-nearly-three-years/?utm_source=Mortgage+Solutions+subscribed&utm_campaign=04f0c2fd96-EMAIL_CAMPAIGN_8_9_2023_12_39_COPY_12&utm_medium=email&utm_term=0_747b260d73-04f0c2fd96-221068670

The Bank of England’s Monetary Policy Committee (MPC) has announced it has cut the base rate to 3.75%.

14/12/2025

https://www.facebook.com/share/r/14MMC9rHGYg/

14/12/2025

https://www.facebook.com/share/p/17BBPiQb3j/

01/12/2025

https://www.facebook.com/share/p/1FaxKfGTgr/

🔴 The UK Government has announced the 2025 Budget, introducing some of the most significant tax changes for landlords in recent years.
✴️ The key measure is a 2-percentage-point increase in property income tax from April 2027, bringing the new rates to 22%, 42% and 47%.

⏩️ This comes on top of previous pressures: mortgage interest relief has already been phased out, and landlords face increasing regulatory and financial burdens.

⏩️ According to the Office for Budget Responsibility, these new measures may push many landlords out of the sector, reducing the supply of available rental properties. With demand remaining strong, this could lead to further rent increases.

⚠️ Initial estimates suggest rents may rise by £20–25 per month on average — with even higher increases likely in high-demand areas such as London.

✴️ Additionally, from 2028 the government plans to introduce a “mansion tax” — an extra Council Tax surcharge on properties valued above £2 million.

✅️ For tenants, especially low-income households, this is worrying news. Housing support remains frozen, while rents continue to rise, deepening affordability pressures.

In summary:
📉 fewer rental properties →
📈 higher demand →
💸 rising rents and increased financial pressure

This is a crucial moment for landlords to reassess whether private renting remains financially viable.

Links:
https://www.nrla.org.uk/news/budget-2025-reaction

https://www.landlordzone.co.uk/news/budget-2025-what-actually-changed-for-landlords-and-what-didnt

30/09/2025

https://www.facebook.com/share/1D3NuPYZpx/

What a day! 🙌
At Open Financial Services Ltd we’ve just finished a full day packed with updates from banks and insurance providers, plus some great training sessions. 🏦💬

We’re always learning, growing, and making sure we’ve got the latest knowledge to help our clients achieve their goals. 💡✨

Because the better we are, the more value we can bring to you. 💙

24/09/2025

https://www.facebook.com/share/17RdQbEyho/

18/09/2025

https://www.facebook.com/share/p/1PR6oio6KU/

🔴 NO RATE CUTS UNTIL FEBRUARY 2026❓️

✅️ Interest rates could stay at 4% until 2026—economists warn.
✅️ The Bank of England is likely to keep interest rates at 4%, after lowering them from 4.25% in August. Experts predict further rate cuts may not occur until February 2026.

✅️ Key factors: inflation remaining above the 2% target, rising costs for food and drink, and weak labor market signals.

✴️ The Bank of England’s decision will be announced this Thursday — already, the effects are being felt, especially by mortgage holders.

🕒 What to watch:
• the date of the monetary policy announcement
• future inflation and labour market projections
• possible impacts on mortgage rates and cost of living.

https://share.google/rEwzeB86ZVBZwc0V6

07/08/2025

https://www.mortgagesolutions.co.uk/news/2025/08/07/bank-of-england-cuts-base-rate-to-4/

The Bank of England’s Monetary Policy Committee (MPC) has decided to cut the base rate by 0.25% from 4.25% to 4%.