Fitch & Fitch

21/06/2026

"Bank of England holds base rate at 3.75% in June 2026.

The MPC voted to hold for a third consecutive meeting. Two members voted for an increase to 4.00%, up from one in May. Inflation unchanged at 2.8%.

Commenting on the decision, David Wise of Fitch & Fitch said:

'Mortgage pricing has continued to improve in recent weeks as swap rates have eased. Some borrowers are considering base-rate trackers, which in many cases are priced below comparable fixed-rate products. Others are favouring shorter fixed-rate products over longer-term fixes — making flexibility more valuable than locking in today.

There is no one-size-fits-all solution. If future rate rises would place pressure on your finances, the certainty of a fixed-rate mortgage may still be the most appropriate choice.'

For anyone looking to purchase or remortgage in the coming months, many lenders allow rates to be secured several months in advance — providing certainty while retaining flexibility.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE."

21/06/2026

Rated Excellent on Trustpilot. 375 five-star reviews. Thank you to every client who took the time.

14/05/2026

Fitch & Fitch — Winners, Best Mortgage Broker (8-50 advisers). Mortgage Strategy Awards 2026.

Finalist 2024. Finalist 2025. Winner 2025. Winner 2026.

Thank you to our clients, our lending partners, and the team who made this possible. Congratulations to all the finalists.

08/05/2026

Check out our 5-star review on Trustpilot!

03/05/2026

The Spring 2026 issue of The Mortgage & Property Magazine is out now.

In this issue: mortgage fundamentals and how lenders assess affordability, why you should start remortgaging early if your deal ends within six months, how the Bank of Mum and Dad is helping first-time buyers, and practical ways to reduce your energy bills this spring.

Read the full magazine on our website: https://fitchandfitch.co.uk/mortgage-property-magazine/

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

01/05/2026

Bank of England holds base rate at 3.75% in April 2026.

The MPC voted 8-1 to hold, with one member voting for an increase to 4.00%. CPI inflation rose to 3.3% in March, up from 3.0% in January and February.

Commenting on the decision, David Wise of Fitch & Fitch said:

"A measured approach is important in the current environment. Despite ongoing volatility in swap rates, several major lenders have begun reducing mortgage pricing again. With some tracker rates now below 4%, borrowers are starting to consider a wider range of options."

For those intending to purchase or refinance in the coming months, many lenders allow rates to be secured in advance, providing certainty while retaining flexibility.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Monetary Policy Committee (MPC) has voted to maintain the Bank of England base rate at 3.75% at its April meeting. The decision had been widely anticipated, reflecting a complex backdrop of geopolitical tension, higher energy costs, and persistent inflationary risk, alongside signs of a slowing....

09/04/2026

Fitch & Fitch — finalist for Mortgage Broker of the Year (11-50 employees) at the Financial Reporter Broker's Choice Awards 2026.

https://www.financialreporterawards.co.uk/

Fitch & Fitch are a team of experienced mortgage brokers who offer friendly, easy to understand, independent mortgage advice.

03/04/2026

Over 70 Easter eggs and toys delivered to the children's ward at Colchester Hospital, along with activity packs, colouring books, paints, and games. Thank you to everyone who donated.

27/03/2026

A tree planted for every mortgage we complete. We've partnered with More Trees to grow a forest, one tree at a time.

We are proud to announce Fitch & Fitch has partnered with More:Trees to do our bit to tackle climate change.

21/03/2026

Bank of England holds base rate at 3.75% amid inflation and market uncertainty.

The MPC voted unanimously to hold, citing the impact of the Middle East conflict on energy prices and renewed inflationary pressure. Swap rates have become more volatile, and mortgage pricing has adjusted in stages.

Commenting on the decision, David Wise of Fitch & Fitch said:

''A rate cut this month was always unlikely given the wider geopolitical backdrop and the potential impact on inflation. With pricing currently moving in both directions, there is value in taking a considered approach. Securing a rate in advance provides certainty, and if the market improves, there is often flexibility to move to a lower rate before completion."

For clients expecting to purchase or refinance within the next six months, early preparation remains important.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE."