David List Mortgage Consultants of Bourne

02/03/2026

🏡 Is Your Mortgage Rate Expiring in the Next 6 Months?
If your fixed rate is due to end in the next six months, now is a sensible time to review it.
Mortgage rates are influenced by inflation, economic data and wider global events. While headlines can move markets in the short term, what really matters is having a plan in place rather than trying to predict exactly what will happen next.
The good news:
✅ We can often secure a new rate up to 6 months before your current deal ends.
✅ That gives you certainty and peace of mind.
✅ If rates improve before your new deal starts, we can often move you onto the lower rate.
✅ If rates rise, you’ve already secured your safety net.
It’s simply about giving yourself options.
Leaving it until the last minute can limit those options and potentially mean moving onto your lender’s Standard Variable Rate — which is usually significantly higher.
A straightforward review now puts you in control.
All we need to get started:
1️⃣ Rough current property value
2️⃣ Approximate mortgage balance
3️⃣ Whether you’re looking to raise additional funds
We’ll handle the rest.
We’re fully independent, whole-of-market, established since 1993 — and proud to have over 100 genuine 5-star reviews across Google, Trustpilot and Yell from real clients (not friends and family).
If your deal ends later this year, feel free to message me for a no-pressure review.
📞 01778 394065 / 07500979612
📧 [email protected]
🌐 www.davidlist.co.uk
FCA Regulated: 472649 (YOUR HOME IS UNDER RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE)

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

22/12/2025

Good News for UK Homeowners & Buyers: Bank of England Cuts Base Rate! 🏡

Hello everyone! Andy here from David List Mortgage Consultants of Bourne. As we approach Christmas 2025, there's some welcome news from the Bank of England that could make a real difference to your mortgage plans.

Bank of England Drops Base Rate to 3.75% Last Week On 18 December, the Bank of England cut the base rate by 0.25% from 4% to 3.75% – the lowest level in nearly three years. This is great timing for anyone with a tracker or variable rate mortgage, as your payments should drop soon (typically saving around £15-£20 per month per £100,000 borrowed). Fixed-rate deals have already been falling in anticipation, with many lenders cutting rates further this month.

What About 2026? More Positive Signs Ahead Experts forecast modest house price growth (2%–4%) next year, with further gradual base rate cuts possible. Mortgage rates are expected to ease further, potentially into the high 3% range for the best deals. This could improve affordability and bring more choice to the market – perfect for first-time buyers or those moving up the ladder.

Remortgaging? Now Could Be the Perfect Time! If your current deal is ending soon, don't roll onto your lender's expensive Standard Variable Rate (currently averaging over 7%!). Remortgaging now could lock in a much lower rate and save you hundreds each month. With rates falling, many homeowners are switching to secure peace of mind.

Quick Tips for Buying or Remortgaging in 2026:
1. Get advice early – A whole-of-market broker like us can find the best deals for your situation.
2. Check your affordability – Wage growth is helping, and lenders are more flexible.
3. Consider fixing longer – 5-year fixes offer stability if you're worried about future changes.
4. Act before rates change – Deals can be secured months in advance.

If you're thinking about remortgaging, buying, or just want a free mortgage review, drop me a message or comment below. I'm based right here in Bourne and love helping local families achieve their home goals.

Wishing you all a Merry Christmas! 🎄

Andy @ David List Mortgage Consultants of Bourne

01778 394065 / [email protected] www.davidlist.co.uk

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

28/11/2025

🚨 Budget Update 2025 – What It Could Mean for Mortgages & Homebuyers

Today’s Budget from Chancellor Rachel Reeves included two changes that could have a real knock-on effect on the mortgage market:

🏠 New “Mansion Tax” from 2028
Homes over £2m will face an annual charge from £2,500 (rising to £7,500 for £5m+).
With around 80% of these homes in London & the South East (via OnTheMarket), experts fear this could slow movement across the wider housing market.

💷 Cash ISA Allowance to Be Reduced from 2027
Cash ISAs will drop from £20,000 to £12,000 for under-65s.
This is a concern because building societies rely on savings deposits to fund mortgage lending.
Less savings could mean tighter lending and potentially higher mortgage rates.
Experts at Rathbones also warn this may not even encourage more investing.

✅ What this means for you:
Now more than ever, it’s important to plan ahead with your savings and mortgage strategy.

If you’d like personal, tailored mortgage advice, feel free to get in touch:

🌐 www.davidlist.co.uk

📧 [email protected]

☎️ 01778 394065
📱 07500 979612

Whole of market, fully independent mortgage advice.
FCA 472649
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

28/10/2025

As we roll into November, everyone in my world is waiting to see what the Chancellor’s got up his sleeve for the Autumn Budget on 26th November.

The base rate’s now 4% after August’s cut, which should mean cheaper mortgages… but lenders are still playing hard to get. Most fixed rates are hovering around 4.5–5%, and depending on what happens in the Budget, they could shift again.

So, if your current deal’s ending soon — or you’re thinking about buying — now’s a smart time to review things before the Budget stirs the pot. A quick chat could genuinely save you a fair bit.

As always, I can look at the whole market, not just one lender, and find what actually suits you.

📞 Andy Moloney – David List Mortgage Consultants
🌐 www.davidlist.co.uk

📱 07500 979712 | ☎️ 01778 394065
“Independent. Local. Trusted.”

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

23/09/2025

🏡 Market Watch + How We Can Help with Your Mortgage Journey
Thinking about buying a home, remortgaging, or moving? There's a lot happening in the mortgage world right now — and knowing what’s going on can save you money, reduce stress, and help you make the best decision. At David List Mortgage Consultants of Bourne we stay on top of the latest so you don’t have to. Here’s an update — and how we can help.
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🔍 Mortgage & Economic News
Here are some of the key developments that might affect your mortgage:
1. Bank of England Base Rate Held at 4%
The BoE recently decided to keep the base rate at 4%. This means there is no immediate cut in borrowing costs via the base rate; lenders will watch inflation and economic indicators closely.
2. Quantitative Tightening Slows Down
The BoE is reducing the pace at which it sells off government bonds (gilts). Previously, they’d planned to sell £100 billion annually; now that’s being reduced to ~£70 billion. This can help ease pressure in the gilt market and reduce long-term borrowing costs.
3. Mortgage Rates & Fixed vs. Variable Deals
With base rates being steady and inflation still above target (~3.8%), many borrowers are facing trade-offs:
o Fixed-rate deals provide certainty, but you may miss out if rates fall.
o Variable/rate-tracker mortgages might benefit if base rates drop, but they are riskier if rates stay high.
4. Regulatory Changes on the Horizon
The FCA is reviewing several mortgage rules, including how affordability is assessed, and how lending is managed for people borrowing into retirement.
Also, the PRA is reviewing the Loan-to-Income (LTI) flow limit rule, meaning lenders may have more flexibility in how much they allow high LTI mortgages. This could open up options for some borrowers.
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💡 What It Means for You
These developments have several implications:
• If you’re currently on a fixed-rate mortgage approaching its end, it’s a good time to compare new fixed deals. The market is shifting, and you may find a competitive option before rates (or lenders’ margins) adjust.
• If you are considering a variable or tracker mortgage, or already have one, changes in base rate or regulation could influence how much you pay. We can help you assess whether switching or locking in is better for you.
• For those who are first-time buyers, self-employed, or planning later life lending, regulatory changes might make things more flexible, but you’ll want expert advice to understand what you qualify for and what the trade-offs are.
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✅ How We Can Help
At David List Mortgage Consultants of Bourne, we specialise in guiding clients through uncertain times. Here’s what we offer:
• Free & tailored mortgage review — We’ll look at your current deals, your repayment plan, and future rate scenarios to see if there’s a better option for you.
• Fixed-v-variable advice — Based on your tolerance for risk, your finances, and what the market is doing, we’ll help you decide what type of rate is best.
• Support with regulation & lender criteria — New rules can be confusing. We keep up with the FCA and PRA changes, so we can help you understand how they affect your borrowing ability.
• Help for special cases — Being self-employed, borrowing into retirement, or having an unusual income pattern can complicate things. We know how to navigate this.
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If you’d like a no-obligation chat to see what might work best for your situation — especially with all that’s in flux — drop me a message or give a call. We can run through your options and find a mortgage plan that gives stability, savings, and peace of mind.
📞 01778394065
📧 [email protected]
www.davidlist.co.uk
Here’s to making smart moves in the mortgage market! 🏠

Authorised and regulated by the Financial Conduct Authority (ref: 472649).
Your home may be at risk if you do not keep up payments on a mortgage.

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

08/09/2025

The mortgage market’s been busy again this September – house prices are holding up better than expected, the base rate is at 4% but most mortgage deals are still around 5%, and while first-time buyers get a boost with the 95% scheme now permanent, landlords are facing tougher rules and tests. Whether you’re buying your first home, moving, remortgaging, or managing a large portfolio, I can help cut through the noise and find the most suitable deal for you. Get in touch: 📞 01778 394065 | 📱 07500 979712 | 📧 [email protected]
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If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

07/08/2025

📉 Bank of England Cuts Base Rate to 4% – What It Means for You 🏡💷

Big news today from the Bank of England – the base rate has been reduced to 4%. This is the first cut in quite some time, and it could have some real implications for homeowners, buyers, and anyone with a mortgage or looking to get one.

So, what does this mean in plain English?

✅ Tracker mortgage holders – You should see an immediate drop in your monthly payments, as your rate is directly linked to the base rate. Check your lender’s adjustment policy, but most will pass on the cut fairly quickly.

✅ Standard Variable Rate (SVR) borrowers – You might see a drop in your payments, but this is at your lender’s discretion. If you're on an SVR, now is a good time to chat with us about locking in something better.

✅ Fixed-rate mortgage holders – No change to your payments right now, but if your deal ends soon, this is a positive sign. Lenders may begin to reduce their fixed-rate pricing over the coming weeks.

✅ First-time buyers & movers – Lower base rates can feed through to lower interest rates overall, meaning your borrowing power could improve, and your monthly payments could be lower than expected.

📊 We’ll be watching the market closely over the next few days as lenders begin to react. Some may move quickly to adjust rates, others may wait to see how the wider economy responds.

🎯 Whether you're considering buying, remortgaging, or just want to know what this all means for you, now’s a great time to have a quick review.

Drop me a message or give us a call – we’re happy to look at your current deal, give you a free mortgage MOT, or just answer any questions you might have.

📞 01778 394065
📱 07500 979712
📧 [email protected]
🌐

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

30/06/2025

As We Say Goodbye to June… 👋 What Does July Have in Store?

Another month has flown by, and as we close the door on June, I wanted to take a moment to say a heartfelt thank you to all our clients—past, present and future—for continuing to trust us with what is, for most people, the biggest financial decision of their lives.

From first-time buyers taking their first steps on the property ladder, to seasoned landlords reviewing their portfolios, it’s been another busy and rewarding month here at David List Mortgage Consultants. We’ve helped local families secure their dream homes, reviewed fixed rates for those with deals expiring soon, and supported people navigating remortgages and capital raising with confidence.

But what does July have in store?

💬 More rate reviews – If your fixed rate is due to end in 2024, now is the time to start planning ahead. Let’s get something pencilled in before the summer holidays!

🏡 More home movers – The summer market tends to pick up pace, and we’re ready to support those taking the leap into a new home.

📈 More expert advice – Whether you're buying, remortgaging or simply exploring your options, we’re always here for a friendly, no-pressure chat.

We’re proud to be a local, family-run, independent mortgage brokerage serving the community since 1993. With over 100 5-star reviews on Google, Yell and Trustpilot, you don’t have to take our word for it—just ask the people we’ve helped.

👉 If you’ve got questions, need advice, or just want to talk things through, feel free to message me directly or contact us:

📞 01778 394065
📱 07500 979712
📧 [email protected]
🌐 www.davidlist.co.uk

Here’s to a sunny and successful July! ☀️

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

16/06/2025

🔍 Mortgage Market Update – June 2025 🏡

The UK mortgage market continues to show signs of cautious optimism. While interest rates remain higher than we’ve been used to in recent years, competition between lenders is increasing — with more fixed-rate products being reintroduced and pricing gradually easing.

💬 We're seeing lenders becoming a little more flexible on criteria too — particularly for first-time buyers and those with strong deposits or equity.

If your current mortgage deal is ending this year, or you’re thinking about buying, now’s the time to review your options. Acting early could save you hundreds each month.

✅ Independent, Whole-of-Market Advice
✅ Over 30 years of local expertise
✅ Friendly, no-pressure conversations

Drop us a message or call for a no-obligation chat — we’re here to help you make sense of it all.

David List Mortgage Consultants
Your mortgage. Made simple.

12/05/2025

🏡 UK Mortgage Market – May 2025 Update from David List Mortgage Consultants

As a proud, family-run business serving our local community since 1993, we want to say a heartfelt thank you to all our clients for trusting us with one of life’s biggest financial decisions. Here's a quick snapshot of what’s happening in the UK mortgage market right now, and what it might mean for you:

📉 Interest Rates Falling
The Bank of England has recently cut the base rate to 4.25%, with further reductions expected later this year. This is a positive sign for borrowers, as it helps reduce monthly payments and boost affordability.

🏠 Mortgage Rates Improving
Lenders are reacting to the base rate cut with more competitive deals. Average fixed rates are now around 5.1%, with some dipping below 4%—the lowest we’ve seen in a long while.

🏘️ Housing Market Holding Steady
Despite past predictions, house prices are stable, supported by low unemployment and wage growth. While affordability remains tight, especially in the South, many areas across the UK are seeing modest growth.

📊 Buy-to-Let Slowdown
Investor activity has dipped due to higher costs and regulation, but yields remain strong in the Midlands and North—good news for landlords looking beyond London.

🔄 Remortgaging Could Get Easier
The FCA is consulting on rule changes that may soon let homeowners switch lenders more easily without full affordability checks, provided they’re up to date with payments.

💬 What This Means for You
Whether you’re a first-time buyer, home mover, or looking to remortgage, now’s a great time to review your options. We’re always here for a friendly, no-obligation chat to help you navigate what’s best for your situation.

Thanks again for supporting our family business—we’re proud to support you in return.

📞 Call 01778 394065 or message us here to book a free review.
🔗

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

07/11/2024

📉 Attention Homeowners: Bank of England Cuts Base Rate to 4.75%! 📉
🌟 Great news! The Bank of England has reduced the base rate to 4.75%, which could mean lower mortgage costs for homeowners. 🌟
What This Means for You:
🔻 Lower Monthly Payments: If you’re on a variable-rate mortgage, you might see reduced monthly payments.
💡 Better Fixed-Rate Deals: Now may be an ideal time to secure a fixed-rate mortgage at a competitive rate.
Act Now:
📋 Review Your Mortgage: Make sure you’re getting the most from this rate cut.
🔄 Consider Refinancing: Switching to a more favourable mortgage could save you even more.
Why Choose Us?
⭐ We have over 100 five-star reviews on Google, Yell, and Trustpilot!
👍 Independent advice with your needs in mind.
📞 Contact Us for Expert Advice!
Andrew Moloney, Whole of Market Senior Mortgage Broker
📱 07500 979712
☎️ 01778 394065
📧 [email protected]
🌐 www.davidlist.co.uk

Let’s explore how you could benefit from this rate change!
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE. FULLY AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY (REF: 472649)

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.

31/10/2024

I thought I would offer my thoughts on yesterday's 2024 Autumn Budget, and how it will affect the housing and mortgage markets in key points.

Key Points:
Changes to Stamp Duty Land Tax (SDLT): The Chancellor has raised SDLT on second homes from 3% to 5%. This affects second-home buyers and landlords.
The SDLT relief rules will continue until 1 April 2025, meaning first-time buyers pay no Stamp Duty on homes under £425,000 until then. After that date, the threshold will return to £300,000.
For home movers, Stamp Duty will apply to properties over £125,000 starting in April 2025, down from £250,000 now.
If you’re unsure how these changes could affect you, reach out for expert guidance on your options.

Impact on Mortgage Rates: While the government doesn’t control mortgage rates directly, the Bank of England’s decisions on the base rate play a big role. The current base rate is 5%, and on 7th November, it could stay the same or potentially drop. A decrease in the base rate might lead to lower mortgage rates, although many lenders may have already adjusted rates in anticipation.

Capital Gains Tax (CGT) Changes: CGT rates are going up, with the lower rate rising from 10% to 18% and the higher rate from 24% to 28%. This affects profits made from property sales, but doesn’t apply if you’re moving from one home to another.

Funding for 1.5 Million Homes: The government pledged over £5 billion to help build 1.5 million homes and increase affordable housing investment. This includes £3 billion in support for affordable housing programs and £1 billion to remove dangerous cladding from buildings. They will also hire more planning officers to speed up housing projects.

What’s Next?
The budget aims to help the UK’s housing market and broader economy. If you’re managing your mortgage well or your plans to buy haven’t changed, you likely don’t need to do anything. But if you have questions or concerns, feel free to reach out – I’m here to help with any guidance you might need.

📧 Email: [email protected]
📱 Mobile: 07500 979712
☎️ Phone: 01778 394065
🌐 Website: www.davidlist.co.uk

Fully authorised & regulated by the Financial Conduct Authority (ref: 472649).

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE.

If you're in the market for mortgage advice, talk to the experts at David List Mortgage Consultants Ltd in Bourne. We offer a lot of market service.