GEM Financial Solutions

25/02/2026

For expert advice on mortgage deals contact your team at GEM Financial Solutions [email protected]; 01267 229500 or call in to see us at our Office,10 Barn Rd, Carmarthen, SA31 1DE.

Am gyngor arbenigol ar fargeinion morgais cysylltwch â'ch tîm yn GEM Financial Solutions [email protected]; 01267 229500 neu galwch heibio i'n gweld yn ein Swyddfa,10 Heol yr Ysgubor, Caerfyrddin, SA31 1DE.
https://gemfinancialsolutions.co.uk/

https://www.theguardian.com/money/2026/feb/25/uk-housing-market-more-homes-for-sale-zoopla

Zoopla says it is on target for highest number of new listings on its site in any February in a decade

28/10/2025

For expert advice on mortgage deals contact your team at GEM Financial Solutions [email protected]; 01267 229500 or call in to see us at our Office,10 Barn Rd, Carmarthen, SA31 1DE.

Am gyngor arbenigol ar fargeinion morgais cysylltwch â'ch tîm yn GEM Financial Solutions [email protected]; 01267 229500 neu galwch heibio i'n gweld yn ein Swyddfa,10 Heol yr Ysgubor, Caerfyrddin, SA31 1DE.
https://gemfinancialsolutions.co.uk/

https://www.independent.co.uk/money/new-mortgage-deals-interest-rates-barclays-hsbc-santander-b2851631.html

Barclays and HSBC are among those lowering rates on existing deals

16/09/2025

For expert advice on mortgage deals contact your team at GEM Financial Solutions [email protected]; 01267 229500 or call in to see us at our Office,10 Barn Rd, Carmarthen, SA31 1DE.

Am gyngor arbenigol ar fargeinion morgais cysylltwch â'ch tîm yn GEM Financial Solutions [email protected]; 01267 229500 neu galwch heibio i'n gweld yn ein Swyddfa,10 Heol yr Ysgubor, Caerfyrddin, SA31 1DE.

https://gemfinancialsolutions.co.uk/

08/09/2025

Os ydych chi'n bwriadu prynu eich cartref cyntaf, cysylltwch â GEM Financial Solutions i gael cyngor ar yr opsiwn gorau sydd ar gael i chi.

If you are looking to purchase your first home contact GEM Financial Solutions for advice on the best available option for you.

Moneyfacts said the combined number of 5% and 10% deposit deals in September was at its highest on record since 2008.

21/08/2025

For expert advice on mortgage deals contact your team at GEM Financial Solutions [email protected]; 01267 229500 or call in to see us at our Office,10 Barn Rd, Carmarthen, SA31 1DE.

Am gyngor arbenigol ar fargeinion morgais cysylltwch â'ch tîm yn GEM Financial Solutions [email protected]; 01267 229500 neu galwch heibio i'n gweld yn ein Swyddfa,10 Heol yr Ysgubor, Caerfyrddin, SA31 1DE.

The average five-year fixed rate is now 4.99%, falling below 5% for the first time since 2023.

13/08/2025

If you are a potential first time buyer, coming to the end of your current deal or considering moving home, contact the team at GEM Financial for expert advice on the best option for you.

Os ydych chi'n brynwr tro cyntaf posibl, yn dod i ddiwedd eich cytundeb presennol neu'n ystyried symud tŷ, cysylltwch â'r tîm yn GEM Financial i gael cyngor arbenigol ar yr opsiwn gorau i chi.

Here's what the major banks have done since the Bank of England reduced the base rate

08/08/2025

The Bank of England yesterday cut the base rate by 0.25%. If you are a potential first time buyer, coming to the end of your current deal or considering moving home, contact the team at GEM Financial for expert advice on the best option for you.

Ddoe fe wnaeth Banc Lloegr torri ei gyfradd llog canolog gan 0.25%. Os ydych chi'n brynwr tro cyntaf posibl, yn dod i ddiwedd eich cytundeb presennol neu'n ystyried symud tŷ, cysylltwch â'r tîm yn GEM Financial i gael cyngor arbenigol ar yr opsiwn gorau i chi.

We explain what the Bank of England's decision to cut rates means for your money - and whether rates will be cut again soon.

07/08/2025

Mae 900,000 o aelwydydd yn wynebu diwedd cytundebau morgais sefydlog cyn diwedd y flwyddyn. Y gyfradd sefydlog pum mlynedd isaf ym mis Awst 2020 oedd 1.33 y cant, yn ôl Moneyfacts. Nawr, mae'n 3.86 y cant. Os oes angen cyngor arbenigol arnoch, cysylltwch â'ch tîm yn GEM Financial Solutions.

900,000 households face the end of fixed mortgage deals before the end of the year. The lowest five-year fixed rate in August 2020 was 1.33 per cent, according to Moneyfacts. Now, it is 3.86 per cent. If you need expert advice get in touch with your team at GEM Financial Solutions

Many of those coming to the end of a fixed mortgage deal will be waving goodbye to a rate of 1 or 2 per cent, taken at a time when interest rates were at rock bottom.

31/07/2025

Mae cryn weithgarwch yn y farchnad forgeisi ar hyn o bryd. Os ydych chi'n brynwr tro cyntaf posibl, yn dod i ddiwedd eich cytundeb presennol neu'n ystyried symud tŷ, cysylltwch â'r tîm yn GEM Financial i gael cyngor arbenigol ar yr opsiwn gorau i chi.

There is considerable activity in the mortgage market at present. If you are a potential first time buyer, coming to the end of your current deal or considering moving home, contact the team at GEM Financial for expert advice on the best option for you."

Rate reductions of up to 0.21 percentage points on selected products for new and existing customers First-time buyers, home movers and those looking to remortgage will benefit from these latest cuts Nationwide's lowest rate now stands at 3.74%

30/07/2025

Mae rheolau fforddiadwyedd morgeisi newydd yn dylanwadu ar y farchnad dai. Am gyngor arbenigol ar yr ateb gorau i chi, cysylltwch â ni yn GEM Financial Solutions.

New mortgage affordability rules are influencing the housing market. For expert advice on the best solution for you, contact us at GEM Financial Solutions

Record number of homes for sale has created ‘buyer’s market’ and kept price rises in check, Zoopla report says

24/07/2025

Former MP, Jonathan Edwards, Joins GEM Financial Solutions

GEM Financial Solutions are delighted to announce that former Carmarthen East and Dinefwr MP, Jonathan Edwards, has joined the company as a Mortgage and Insurance Protection Adviser. Mr Edwards served in the House of Commons for four Parliaments and is the longest ever serving MP for the Carmarthen Parliamentary seat. As a previous Shadow Economic Spokesperson in Parliament, Jonathan brings a wealth of experience to the company and a proud lifetime record of public service.

Director Gareth Morgan said:

“As a company we are pleased that Jonathan has decided to work under the GEM umbrella. We pride ourselves on putting the interests of our clients first as Jonathan did for his constituents during his political career. Jonathan has a formidable reputation as hard working and principled. As a fully qualified independent adviser I am confident he is going to provide a first-class service to our clients in both Welsh and English.”

Jonathan said:

“I have known Gareth and the team at GEM for many years, and the client focused approach of the company appeals to me after decades of working on behalf of the people of Carmarthenshire and Wales. I am looking forward to the next chapter in my career and helping people to achieve their financial goals by securing the best deals for people and to help clients to get on and move up the property ladder.”

Jonathan can be contacted directly via email at [email protected] or on mobile 07534 984376.