Martin Hunt: City Mortgage Solutions

30/07/2026

Although the Bank of England held the Base Rate at 3.75% today, unless there is a near term resolution to the Middle East conflict, an increase to the Base Rate can’t be ruled out.

If you have a remortgage coming up, speak to your broker to secure your “worst case” rate sooner rather than later

📊 Base rate held again today... still at 3.75%.

No change today, but the decision wasn't unanimous. A good chunk of the committee actually wanted to raise rates, not cut them.

Inflation has been easing, which is good news, but this shows there's still genuine disagreement about what happens next.

Bottom line: rate cuts aren't on the horizon yet and a rise hasn't been ruled out either.

If you're due to remortgage or thinking about buying, this kind of uncertainty is exactly why it pays to get ahead of it rather than wait and see.

📩 Message us to talk through your options.

23/07/2026

Have you ever thought what you would do if you couldn’t work due to accident or illness?

How would you pay your bills?

An income protection policy can help.

If you are concerned, please reach out

The phone gets replaced, the car gets repaired and the vet bill gets covered...

But if illness or the unexpected stopped your income tomorrow, everything on that list and the roof over it, suddenly depends on savings that were never meant to stretch that far.

That's what life cover and income protection are really for. Not doom and gloom, just a safety net that lets you get on with life knowing the important stuff is handled.

The right cover looks different for everyone, which is why a quick chat beats guessing every time.

Protect what matters. DM us to get started.

02/07/2026

Let us do all the work for you. We take the stress out of your mortgage application

29/06/2026

This is worth a read and good advice

25/06/2026

Don’t leave that remortgage too late or it can cost you £££££

Moving onto your lender's standard variable rate can cost hundreds more a month. Here's when to remortgage and how to avoid it.

18/06/2026

Some positive news, but not convinced a near term rate cut is on the cards.

📊 The Bank of England has kept the base rate at 3.75%.

No change today… but there are still reasons to pay attention.

Yesterday's inflation figures were encouraging and today's 8-1 vote shows there are still different opinions on what comes next.

The message? Things are moving in the right direction, but we're not calling rate cuts just yet.

If your mortgage deal is ending soon, or you're thinking about buying or remortgaging, now is a good time to start exploring your options rather than waiting for the next headline.

📩 Drop us a message if you'd like to have a chat.

08/06/2026

Always get advice. A mortgage is the largest financial commitment most people will ever have.

Biggest First-Time Buyer Mistake (And It’s Not Your Deposit) The biggest first-time buyer mistake we see isn’t failing to save a deposit. It’s starting your property search before you know what you can realistically afford. If you’re thinking about buying your first home, understanding this ...

04/06/2026

It’s always important to get advice to ensure you get the right mortgage for you.

By addressing the perception gap around timing and encouraging earlier engagement, the industry has an opportunity to improve financial readiness and support better outcomes for first-time buyers.

01/06/2026

Worth a listen.

House price growth slows as buyer confidence weakens. See what it could mean if you are buying, moving home or reviewing your mortgage.

30/04/2026

Whilst there is still uncertainty in the market, this should bring some near term relief on Fixed Rates

📊 The Bank of England has held the base rate at 3.75%... this time by an 8 to 1 vote.

While the rate has stayed put, the split shows there is still uncertainty around what comes next.

Inflation has ticked up again, largely driven by rising energy costs, and although rates were held today, markets are still watching closely for what happens over the next few months.

The key thing to remember? Mortgage rates don’t just move on today’s decision.

Lenders price based on where they expect things to go next, which means opportunities can still move quickly even when the base rate stays the same.

If your deal is ending soon, or you’re weighing up your next move, it’s worth understanding what’s available now rather than waiting on the next headline.