Wharf Financial Services

01/10/2026

I am sure we have all heard the phrase, ‘failing to plan, is planning to fail.’

If you’re buying at auction, speak to me before you bid.

My team and I at Wharf Financial can look at the deal, understand the numbers and talk through the funding options with you.

Got an auction coming up?
Send me the details before you put your bid in.

31/08/2026

21/08/2026

One of the first things I look at when someone brings me a property deal is what they are putting into it themselves.

How much cash do they have available?

What are they actually contributing to the transaction?

It’s an important question that can sometimes get overlooked.

There are ways to structure funding in different situations, but if there’s nothing going into the deal from the investor, it can be difficult to make the transaction work.

It’s one of the first questions I ask because it can save everyone a lot of time, energy and money.

23/07/2026

Mortgage rates are moving upwards again.

Several major UK lenders have increased mortgage rates in response to rising swap rates, inflation concerns and ongoing global uncertainty.

While the increases may appear small, they can significantly affect borrowing costs over the lifetime of a mortgage, particularly for investors planning new purchases or homeowners approaching the end of a fixed-rate deal.

• Major lenders have already begun repricing mortgage products.
• Borrowers coming to the end of their fixed term may face higher monthly repayments.
• Investors should review funding options sooner rather than later if refinancing is on the horizon.
Market conditions can change quickly, which is why having the right finance strategy is just as important as finding the right property.

Need expert guidance? Wharf Financial Services can help you explore the most suitable funding solutions for your next investment.

Read the full update: https://tinyurl.com/3pffpd8d
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09/07/2026

This week's Wharf Weekly highlights key developments across the economy, property and lending, from changing market conditions to new lender propositions that could influence future funding decisions.

Staying informed isn't just about following the news, it's about understanding what it means for your next investment, development or business opportunity.

Read the full update: https://tinyurl.com/yeytpbu2

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02/07/2026

Economic uncertainty may still dominate the headlines, but the lending market continues to move.

This week has seen further rate reductions, enhanced lending criteria, increased flexibility and new incentives from lenders across the market.

For investors, developers, landlords and business owners, staying informed is just as important as securing finance. Understanding how the market is evolving can help you make more confident decisions when the right opportunity comes along.

Read the full update: https://tinyurl.com/43b2rvs4
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25/06/2026

While the Bank of England held rates this week, the bigger story is what lenders are doing next.

Across the market, lenders continue to reduce rates, enhance criteria and introduce new products to attract business.

For investors, developers, landlords and business owners, this signals a more competitive lending environment and the potential for greater flexibility when structuring finance.

Understanding where opportunities exist is becoming just as important as securing funding itself.

Read this week’s Wharf Weekly for the latest market insights and updates.

Read the full update: https://tinyurl.com/mr2z3asm
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24/06/2026

We are incredibly proud to announce that Wharf Financial has successfully achieved its NACFB Assurance Certificate.

As a business, we have always been committed to delivering the highest standards of professionalism, compliance and customer outcomes. Achieving NACFB Assurance demonstrates that commitment and provides our customers, introducers and lending partners with confidence that they are working with a brokerage that takes quality and governance seriously.

This accreditation reflects the hard work, dedication and attention to detail shown by our entire team. It is another important milestone in our journey and one that we are delighted to celebrate.

A huge thank you to everyone involved in making this possible.