Response Mortgage Services

30/09/2026

Your First Home - what do we actually know so far?

There’s been plenty of talk about the Government’s new proposed scheme and on the face of it there’s a lot that could be attractive for first-time buyers.

But there are still some pretty important details we don’t know yet.

We’ve taken a deep dive into what’s been announced so far, how it could work and some of the questions buyers should be asking before planning around it.

Have a read here: www.responsemortgages.co.uk/your-first-home/

17/09/2026

The Bank of England have decided to keep the base rate the same however mortgages rates are still on the move.

If your current deal ends within the next 6 months, you may be able to secure a new rate now - and we’ll keep an eye on things in case a better option becomes available before you switch.

0113 265 3759
[email protected]

Independent expert advice, with a friendly and honest approach.

The Monetary Policy Committee voted 6-3 to keep the interest rate at 3.75%.

Find out more:
https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

11/09/2026

Mortgage rates are on the move.

If your current deal ends within the next 6 months, you may be able to secure a new rate now - and we’ll keep an eye on things in case a better option becomes available before you switch.

0113 265 3759
[email protected]

Independent expert advice, with a friendly and honest approach.

07/07/2026

We’re proud to have sponsored Scot FC Under 9s throughout the 2025/26 season, and it was great to see these photos from their end-of-season presentation night.

The boys look very smart in their club ties and clearly enjoyed collecting their trophies after another brilliant season.

Grassroots sport plays such an important role in bringing communities together and giving young people the opportunity to build confidence, make friends and enjoy being part of a team.

Well done to all the players on a fantastic season!

20/05/2026

Could Halifax’s new £5,000 deposit mortgage help you get onto the property ladder?

For many first time buyers, saving the deposit is the hardest part - especially whilst paying rent and bills at the same time.

This new scheme could help buyers purchase a home with just a £5k deposit, but it’s important to remember there are still other costs involved and bigger deposits will usually unlock better mortgage rates.

If you’d like to see what options may be available to you, feel free to get in touch with the team.

{As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.}

24/03/2026

The rental market is changing from May 2026.

A lot of landlords are focusing on Section 21 being removed - but that’s only part of the story.

There’s also a legal requirement to provide tenants with specific information before 1st May, and it needs to be acknowledged.

Miss it, and it could cost you.

We’ve put together a simple guide to help you stay on track.

Read it here: https://www.responsemortgages.co.uk/renters-rights-act-explained/

19/03/2026

The Bank of England has held the base rate at 3.75% this month.

So, what does that mean for mortgage rates?

Even though the base rate hasn’t changed, we’ve already seen lenders increasing rates over the last couple of weeks. This is largely driven by rising swap rates, which play a big role in how fixed mortgage deals are priced.

It’s a good reminder that mortgage rates don’t always follow the base rate directly - lenders often move in advance of, or independently from, these decisions.

If you’re:
- Coming to the end of a fixed rate
- Thinking about moving home
- A first-time buyer keeping an eye on affordability
- Unsure whether your current deal is still right

Now is a sensible time to review your options and understand what this means for you.

Every situation is different, so the right advice depends on your circumstances - not just the headline rate.

If you’d like to talk it through, we’re here to help.

06/02/2026

Not once. Not twice. Not three times…

For the 6th year in a row, Andy has been named a VouchedFor Top Rated Adviser - and what makes that even more special is this the award has only existed for 8 years.

That means Andy has been recognised almost every single year since the guide began.

While Andy’s name appears in the guide, this is very much a reflection of how we work at Response Mortgage Services Ltd - consistently, carefully, and always with our clients at the centre of every decision.

Independent advice.
No shortcuts.
No complacency.

And most importantly, hundreds of clients who’ve trusted us with one of the biggest financial decisions they’ll ever make.

The 2026 Top Rated Adviser Guide will be published in The Times on Saturday 21st March, and we’re incredibly proud to see Andy featured once again.

Thank you to every client who’s taken the time to leave a review - and to the team who make this level of service possible, year after year.

If you’re in need of independent mortgage advice, you know where we are.

03/02/2026

4 lenders have announced rate increases following on from swap rates hitting their highest point since October last year.

We know there’s lots of people with fixed rates ending in the next 3-6 month’s who are holding off securing deals - it’s time to act.

Get in touch and we can go over all your options, take all the boring paperwork off your hands and we’ll even monitor/change the rate on your application if a better one becomes available all the way up until to completion.

26/12/2025

Boxing Day is one of the busiest days of the year on Rightmove.

While many people are relaxing, thousands of buyers are scrolling, saving properties and thinking, “Could this actually work for us?”

If you’re looking at homes today - whether seriously or just starting to browse -having a clear idea of what you can borrow puts you in a much stronger position.

A quick conversation before you book viewings can:
- help you understand your budget
- avoid disappointment later on
- and make sure you’re ready to act when the right property comes along

If you’re house hunting this Boxing Day and want to know where you stand, we’re here to help.