Response Mortgage Services

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.

25/12/2025

From all of us at Response Mortgage Services, we’d like to wish our clients, partners and colleagues a very Merry Christmas.

Thank you for the trust you’ve placed in us this year. We’re grateful for every conversation, every case and every opportunity to help.

We hope you enjoy the festive period and look forward to supporting you again in the year ahead.

23/12/2025

We’ve been having a bit of festive fun getting to know the Response team a little better.

From favourite Christmas films and songs to festive food, drinks and (of course) chocolate, we asked the team a range of Christmas-themed questions.

Have a scroll through and see if you share any of the team’s festive favourites.

To get to know more about the team:
https://www.responsemortgages.co.uk/about-us/

19/12/2025

19/12/2025

It’s been a really busy week at Response.

Last Friday, the team headed into Leeds for our Christmas night out, and Tuesday we followed it up with our Christmas fuddle - lunch, a quiz, and a chance to spend some time together before the end of the year.

We also had Naz from TSB pop in to see us to talk through some of the exciting changes coming up at TSB. She even put together a quiz for the team (which we’re pleased to say we did very well at) - and very importantly, she also brought cake, which went down a treat.

We rounded things off with our Response raffle, giving out some of the lovely gifts we’ve received from solicitors and lenders, including Holden Smith, Brearleys, LCF and Fleet Mortgages. A small thing, but always a nice way to share the appreciation around the team.

Taking time out like this, and keeping up to date with lender changes, helps us stay connected as a team and make sure we’re always in the best position to support our clients.

Thanks to everyone involved, and to Naz for coming in to see us (and for the cake).

18/12/2025

The Bank of England has reduced the base rate.

This is a positive step and something many borrowers have been waiting for. However, it’s important to remember that mortgage rates don’t automatically change overnight.

In reality, lenders often price mortgages in advance of base rate decisions, based on expectations. That means we’ve already seen some lenders adjust rates over recent weeks.

If you’re:
- coming to the end of a fixed rate
- considering moving home
- a first-time buyer watching monthly payments closely
- or simply unsure whether your current deal is still right

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

Every situation is different, and 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.

17/12/2025

Inflation has continued to ease, and the Bank of England meets tomorrow to decide on the base rate.

There’s growing market expectation that we could see a 0.25% reduction, but as always, nothing is guaranteed until the announcement is made.

What’s important to remember is mortgage rates don’t move after the decision - they often move before it, based on expectations.

That means many lenders have already adjusted rates in recent weeks, and we’re seeing some more competitive options re-emerge across the market.

If you’re:
- a first-time buyer trying to keep monthly payments down
- coming to the end of a fixed rate
- or worried about missing out on a better deal

Now is a sensible time to review your options and make sure you’re ready — whatever tomorrow brings.

We’ll be keeping a close eye on the announcement and will share what it really means for mortgages once the decision is confirmed.

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