Thickbroom Mortgages

04/06/2026

This is what we’re all about: helping our clients find the best mortgage rate for them, with zero hassle.

Is your mortgage coming up for renewal? Get in touch today for expert advice.

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

23/05/2026

First-time buyers could be missing out!

Many hopeful homeowners could be closer to getting on the property than they realise, but they are underinformed about their mortgage options.

Your homeownership dreams could be closer than you realise; read our full blog or send it to a hopeful first-time buyer you know:

https://thickbroom-mortgages.co.uk/first-time-buyers-could-be-missing-out/

Your home may be repossessed if you do not keep up repayments on your mortgage.
Source: https://moneyage.co.uk/47-of-aspiring-buyers-have-never-spoken-to-mortgage-broker-study-finds.php

Many hopeful homeowners could be closer to getting on the property than they realise, but they are underinformed about their mortgage options.

19/05/2026

⭐ At Thickbroom Mortgages, we deliver tailored advice and support that truly puts our clients first.

Is your mortgage coming up for renewal? Let’s find the best deal for you.

Get in touch today.

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

15/05/2026

Recent research has found that half of UK homes increased in value last year.

According to Zoopla, 15.2 million properties gained value by an average of £9,900 in 2025. Within this group, 3.1 million homes saw particularly strong growth, rising by more than £20,000. In contrast, 9.1 million households saw a decrease in value by an average of £10,800.

In England, the North West recorded the highest proportion of homes rising in value (72%), followed by the North East (67%). The South West reported the largest share of homes losing value (46%), closely followed by the South East (44%).

Despite some areas dropping in value, the longer-term picture is more positive for households across the UK; between 2020-2025, the average seller saw their house increase in value by an average of 20%.

Source: https://business.zoopla.co.uk/half-of-all-uk-homes-gained-value-in-2025

13/05/2026

Remortgage myth busting!

We hear a few common misconceptions about remortgaging, so let’s clear them up.

❌ Myth: Product transfers and remortgages are the same thing
✅ Truth: They’re different but both are valid options.
A product transfer means switching to a new deal with your current lender.
A remortgage means moving your mortgage to a different lender.

❌ Myth: You have to move lenders to get the best rate
✅ Truth: Not always. The right option depends on your circumstances. That’s why we research the whole market, including your existing lender.

❌ Myth: Remortgaging is stressful and full of hassle
✅ Truth: It doesn’t have to be. We take care of the paperwork, speak to lenders, and clearly explain your options.

There’s no one‑size‑fits‑all answer — it’s about what works best for you at the time.

11/05/2026

If your mortgage deal is coming to an end, or you believe your current mortgage no longer suits you and your needs, you might be considering remortgaging.

This guide aims to help you understand the remortgaging process and what you should consider beforehand.

Our guide answers the following questions:
- What is a remortgage?
- Why do you remortgage?
- Is remortgaging right for you?
- What mortgages are available?

Download it for free today: https://thickbroom-mortgages.co.uk/downloadables/a-guide-to-remortgaging/

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

This guide aims to help you understand the remortgaging process and what you should consider beforehand.

10/05/2026

A survey has found that many homeowners don’t review their protection cover when remortgaging.

Only 18.6% of respondents said they properly reviewed their protection when they remortgaged, while 64% did a cursory check and 17% did not review their cover at all.

This suggests that many UK homeowners may have policies that no longer meet their needs due to changes in income, lifestyle and family circumstances.

As a result, some households could find themselves in a vulnerable financial position if they were affected by death or illness.

Take a moment to review your cover now – it could be a vital safety net in the future.

As with all insurance policies, conditions and exclusions will apply. You may have to pay and early repayment charge to your existing lender if you remortgage.

Source: https://www.vitality.co.uk/media/speculation-of-spring-rate-cuts-drives-expected-remortgage-surge/

08/05/2026

What’s the difference between Standard Variable Rates (SVR) and Fixed rate mortgages?

A fixed rate gives you certainty: your payments stay the same, which can make budgeting and planning easier. You’re also not susceptible to rate increases, if they happen.

SVRs offer flexibility: your rate can change at any time, meaning payments may rise or fall depending on the market.

Neither option is ‘better’ by default, it’s more important to choose the product that fits your circumstances, priorities and plans.

01/05/2026

What’s happening to the mortgage market?

The mortgage market is facing uncertainty due to ongoing developments in the Middle East.

Affordability challenges had been easing slightly in recent months - mortgage rates were slowly coming down due to cuts to Bank Rate. In January 2026, the average monthly mortgage payment was 7% lower than the previous year.

However, the recent outbreak of war in Iran has made the short-term outlook much more uncertain. At the start of March, 472 residential mortgage products were taken off the market within a 48-hour period, in response to rising swap rates. This trend continued throughout the month, with a fifth of overall mortgage deals removed from the market by 21 March. First-time buyers have been hit particularly badly – they may notice that rates are higher on low-deposit deals.

Adam French at Moneyfacts commented, “It’s unwelcome news for borrowers, as the prospect of falling mortgage rates has quickly given way to rate rises. How far they could go is now heavily dependent on how global markets and inflation expectations evolve as conflict in the Middle East unfolds.”

We can help you understand how the economic situation affects you and your mortgage – get in touch for support.

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

Sources:
https://www.theguardian.com/business/2026/mar/23/uk-mortgage-interest-rates-markets-bank-of-england-iran-war
https://www.bbc.co.uk/news/articles/c5y7gnkez3lo
https://moneyfactscompare.co.uk/news/mortgages/impact-of-iran-war-on-mortgages/
https://moneyage.co.uk/472-mortgage-products-withdrawn-in-48-hours.php
https://www.rightmove.co.uk/news/articles/property-news/average-monthly-mortgage-payment-down-january