08/08/2025
📢 August Mortgage Market Update | Capital B Property Finance
As we move through August, there’s been a noticeable shift in the mortgage market — and this time, it's a positive one.
Over the past few weeks, we’ve seen lenders across the board reduce rates, particularly on lower loan-to-value residential and buy-to-let products. After a long period of cautious pricing and slow movement, the recent adjustments reflect growing confidence that a Bank of England base rate cut may finally be on the horizon.
Even at higher LTVs, where rates tend to hold firm, there's been a subtle but consistent softening, giving a glimmer of hope to first-time buyers and those with smaller deposits.
💬 Huw Oddy, Mortgage Specialist at Capital B, comments:
"Lenders are starting to sharpen their pencils again. We're seeing more competition, especially in the sub-4% residential space and on certain buy-to-let deals. For borrowers, that means better value—but timing is key. The best options don’t tend to hang around for long."
📲 Want to know what’s out there right now?
Whether you’re remortgaging, buying, or investing, Huw is available to talk through the latest options and help you make sense of the current market.
🟡 No pressure. Just clear, honest guidance.
📍 Follow Capital B to stay updated with market insights and mortgage rate movements every week.
