Face to Face Independent Mortgages & Finance

30/04/2026

https://www.mortgagefinancegazette.com/market-news/regulation/mortgage-market-accepts-bank-of-england-base-rate-hold-30-04-2026/?utm_id=26460&delivery_name=45782&utm_campaign=INDIGO_MFG_%20EDI%20_Daily_NEWS_300426&utm_content=INDIGO_MFG_%20EDI%20_Daily_NEWS_300426&utm_term=Read%20More&utm_medium=email&utm_source=Adestra&eea=

The mortgage market reacted with acceptance to the Bank of England’s decision to hold base rate at 3.75% today. The Bank’s Monetary Policy Committee (MPC)

10/04/2026

https://www.mortgagefinancegazette.com/lending-news/mortgage-rates-stabilise-as-iran-conflict-eases-10-04-2026/?utm_id=25172&delivery_name=42973&utm_campaign=INDIGO_MFG_%20EDI%20_Daily_NEWS_100426&utm_content=&utm_term=Read%20More&utm_medium=email&utm_source=Adestra&eea=

Mortgage rates showed signs of stability this week as the conflict in the Middle East began to ease, according to the latest Moneyfacts rate watch.

06/02/2026

Thinking about buying your first home?

Re-Mortgaging to get a better deal?

Raising Cash for Home Improvements or Debt Consolidation?

Divorce or Separation Buy Outs.

Taking New Appointments Now - Free Consultations.

Call 01229 835050 or email - [email protected] for your FREE appointment.

05/02/2026

https://www.mortgagefinancegazette.com/market-news/regulation/mortgage-market-calm-at-mpc-base-rate-hold-05-02-2026/?utm_id=21014&delivery_name=34376&utm_campaign=INDIGO_MFG_EDI%20_Daily_NEWS_050226%2C&utm_content=INDIGO_MFG_EDI%20_Daily_NEWS_050226&utm_term=Read%20More&utm_medium=email&utm_source=Adestra&eea=

The mortgage market was relaxed by the Bank of England’s decision to hold base rate at 3.75% today, with cuts expected later in the year. The Bank’s

07/01/2026

95% First Time Buyer Mortgages

2 Year Fixed Rate - 4.63%

The Lowest they have been in some time.

Typical Purchase Price - £80,000

5% Deposit - Can be a gift from a family member. - £4000

Mortgage - £76,000

Monthly Cost on a 25 Year Term - £433 Per Month

Monthly Cost on a 30 Year Term - £396 Per Month

Compare these payments with the cost of rent paid to a landlord.

Credit must not be impaired as this is high level lending with a
small deposit.

Book your free appointment to see if we can help you buy your first home.

Call 01229 835050 or email [email protected]
for your FREE Mortgage Consultation.

18/12/2025

We would like to wish all our customers a very happy Christmas and a prosperous New Year.

We will be closing from Friday 19th December and re-opening on Monday the 5th January.

See you in the New Year :)

27/11/2025

https://www.mortgagefinancegazette.com/banks/gap-in-costs-for-renters-vs-first-time-buyers-jumps-by-36-27-11-2025/?utm_id=17568&delivery_name=26316&utm_campaign=INDIGO_MFG_EDI_Daily_NEWS_271125&utm_content=INDIGO_MFG_EDI_Daily_NEWS_271125&utm_term=Read%20More&utm_medium=email&utm_source=Adestra&eea=

The difference in average first-time buyer mortgage payments and rental costs has jumped by 36% over the past year, meaning tenants are typically £259 per

07/08/2025

https://www.bbc.co.uk/news/articles/c5yprwyxjlxo

The Bank or England cuts its key rate to 4%, the fifth reduction since August last year.

28/07/2025

https://www.mortgagefinancegazette.com/market-news/ultra-long-mortgage-overpayments-key-to-ftb-affordability-moneyfacts-28-07-2025/?utm_id=10005&delivery_name=12321&utm_campaign=INDIGO_MFG_EDI_Daily_NEWS_280725&utm_content=Ultra-long%20mortgage%20overpayments%20key%20to%20FTB%20affordability%20%7C%20FoS%20names%20Coleman%20as%20interim&utm_term=Read%20More&utm_medium=email&utm_source=Adestra&eea=

First-time buyers who struggle to afford a mortgage “can tap into the flexibility” offered by marathon terms to cut their mortgage costs, according to

28/07/2025

Latest Re-Mortgage Deals - 60% LTV

Now starting at below 4 Percent.

2 Year Fixed Rate - 3.94% £999 Fee Added

3 Year Fixed Rate - 3.99% £999 Fee Added

5 Year Fixed Rate - 4.04% £999 Fee Added

Re-Mortgage Deals - 80% LTV

2 Year Fixed Rate - 4.44% £999 Fee Added

3 Year Fixed Rate - 4.39%. £999 Fee Added

5 Year Fixed Rate - 4.24% £999 Fee Added

All deals come with - Free Valuation/Survey and Free Legals

Call 01229 835050 or email [email protected]