Hey Mortgages

09/02/2026

Bank of England - BASE RATE NEWS – 9th February 2026

Base rate held at 3.75%

The Bank of England’s (BoE) Monetary Policy Committee (MPC) held interest rates at 3.75% today in its first meeting of 2026. The decision was approved by a narrow majority of five to four, with the minority supporting a 0.25% cut to 3.5%. The pause follows the Bank’s decision to lower rates in December last year after holding at 4% from August 2025. With the next meeting due to take place in March, markets are increasingly pricing in a further cut, provided economic data continues to move in the right direction.

08/02/2026

08/02/2026

🎥 Worth a watch: The Rate Stuff - Will Mortgage Rates Keep Dropping in 2026?

If you’re wondering whether UK mortgage rates will keep coming down, this episode of The Rate Stuff is a great watch.

Peter Stimson and Jack Izzard break down what’s really driving recent rate movements — and why waiting for the “perfect” rate isn’t always the best strategy.

Key points from the video include:

• Inflation and Bank of England policy remain the biggest influences on mortgage pricing.

• Even if base rate cuts are expected later on, mortgage rates can pause or increase temporarily if inflation data comes in higher than forecast.

• Lower rates may encourage more buyers back into the market, but affordability challenges remain, particularly due to house prices and the cost of living.

• Homeowners considering a remortgage are warned against assuming rates will keep falling — trying to time the lowest possible rate can be risky.

• The housing market is likely to remain relatively tight, with limited supply continuing to support property prices even if rates ease further.

If you’d like to talk through how this applies to your own situation, I’m always happy to help.

In this episode of The Rate Stuff, Peter Stimson and Jack Izzard dive into the start of 2026 and the surprising mortgage rate cuts from major lenders. They b...

19/09/2025

First-time buyer? Dive into homeownership with confidence! Our team at Hey Mortgage specialises in guiding first-timers through the mortgage process. Let's make your first home-buying experience a success!

Your home may be repossessed if you do not keep up repayments on your mortgage and you may have to pay an early repayment charge to your existing lender if you remortgage.

12/03/2024

House prices showing signs of recovery

The start of the year showed promise for the housing market, as house prices are increasing month-on-month.

Prices rose by 0.7% between December and January, bringing the average house price to £257,6561. The annual rate of growth is continuing to recover, albeit tentatively; in January, prices were down by -0.2% when compared with the previous year. This is a significant improvement on December 2023, where prices were down -1.8% annually.

Robert Gardner, Chief Economist at Nationwide, commented, “While a rapid rebound in activity or house prices in 2024 appears unlikely, the outlook is looking a little more positive.”

Considering moving home this year? Get in touch for mortgage advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

1 Nationwide

07/02/2024

We will be supporting Arron Hands 2024 race season.

Welcome onboard to hey MORTGAGES who have kindly agreed to help me out this season.

If anyone is looking for a mortgage or looking to re mortgage check them out!

https://www.heymortgages.com/

08/12/2021

We have made a handy stamp duty calculator so you can get an idea of what the stamp duty will be when purchasing a property. Stamp duty is a tax you pay when your purchase a house and its based on the purchase price of that house.

Stamp Duty Calculator How much stamp duty with you pay when you pruchase a property? Use our stamp duty calculator below to find out.This calculator is for guidance only and you should seek advice from your conveyancer as to the

01/07/2021

Another review from a good client, Jimmy. This review highlights the value we can add with remortgages not just purchases. So if your current rate is coming to an end get in touch and we can help you to.

"Really pleased with Thomas’s help. I was struggling with finding the right deal to suit my needs when renewing and the advice he gave was really helpful. I now have a deal which suits me for the current period and is flexible enough to change. I have saved money each month and have a much clearer picture of my options once my current offer expires. Would 100% recommend and will be using him again."

★★★★★ "Really pleased with Thomas’s help. I was struggling with finding the right deal to suit my needs when renewing and the advice he gave was really helpful. I now have a deal which suits me for the current period and is flexible enough to change. I have saved money each month and hav...

26/06/2021

Congratulation on your new home Lauren 🍾 🏡 🎄

"Thomas was great! This was my first time buying and he explained everything really clearly and was super responsive. He made sure I got the best deal and was always on hand for any questions!"

★★★★★ "Thomas was great! This was my first time buying and he explained everything really clearly and was super responsive. He made sure I got the best deal and was always on hand for any questions!"

22/04/2021

On Sunday the 23rd of May, I'm riding in The Distinguished Gentleman's Ride with fellow men and women across the globe to raise funds and awareness for prostate cancer and men's mental health on behalf of Movember.

Here is the link: https://gfolk.me/ThomasHughes368673
Please share 🙂

Men die on average 6 years earlier than women and for largely preventable reasons. The number of men that are suffering is growing, and we need to do something about that. So, before I press my tweed and polish my boots, I'm asking you to join me in raising funds and awareness for these causes by donating what you can for this meaningful cause and to help the men we love, live happier and healthier lives.

Here is the link: https://gfolk.me/ThomasHughes368673