Signpost Mortgages

Signpost Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Signpost Mortgages, Mortgage brokers, 5 Station Road, Drayton, Norwich.

Signpost Mortgages provides mortgage and insurance advice.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
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Most homeowners know their property's EPC rating exists.Far fewer know where it is.And even fewer think about it when re...
17/06/2026

Most homeowners know their property's EPC rating exists.

Far fewer know where it is.

And even fewer think about it when reviewing their mortgage options.

That may be starting to change.

As energy costs remain a consideration for households across the UK, some lenders have introduced products or incentives linked to energy-efficient homes.

For homeowners, this creates an interesting question.

When was the last time you checked your EPC rating?

A property's energy performance won't be the deciding factor in every mortgage application. But as lenders continue to evolve their criteria and product ranges, it's becoming another piece of the puzzle worth paying attention to.

The reality is that many people spend time researching interest rates but very little time understanding the factors that could influence the options available to them.

We believe informed decisions start with understanding the full picture, not just the headline rate.

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://lnkd.in/e2SuPPNv

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The positive momentum in the UK mortgage market is holding its ground. This week, several massive names on the high stre...
15/06/2026

The positive momentum in the UK mortgage market is holding its ground. This week, several massive names on the high street stepped in with another round of rate cuts as the market continues to settle down after the springtime volatility.

Nationwide has trimmed rates for existing customers looking to switch by up to 0.12%, with two-year fixed options now starting at 4.65%. Meanwhile, TSB dropped its two-year and five-year fixed rates for home purchases by up to 0.15%, and HSBC followed suit by shaving up to 0.11% off a selection of its deals.

Average borrowing costs have been steadily drifting down and stabilising over the last few weeks. This is a very welcome change of direction for anyone who was watching the market anxiously a couple of months ago.

While the news on rates is encouraging, the Bank of England is still widely expected to hold the base rate steady at 3.75% during its meeting on 18 June. The general consensus among analysts is that the central bank will prefer to stay on the fence for now, adopting a wait-and-see approach due to the sluggish economy and wider global uncertainties.

But there is some really interesting news on the horizon for buyers who do not fit into the traditional lending box. The Financial Conduct Authority has proposed changing mortgage rules to give banks far more flexibility. They want to make it easier for self-employed people with variable incomes to borrow, help those paid in foreign currencies, and stop lenders from automatically rejecting people over minor or old credit issues.

It is a great reminder that the mortgage landscape is constantly evolving to match how we actually live and work today. If you are planning a move or coming to the end of a fixed deal, the combination of dropping rates and potentially friendlier lending rules means it is a great time to review your options.

Read the full report here: https://www.forbes.com/advisor/uk/mortgages/2026/06/11/latest-mortgage-news/

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

One of the less talked about parts of HMO investing is this:The mortgage lender often tells you what the market thinks o...
10/06/2026

One of the less talked about parts of HMO investing is this:

The mortgage lender often tells you what the market thinks of the property.

Some lenders are comfortable with first-time landlords. Others prefer experienced investors.

Some like smaller HMOs. Some will consider larger licensed properties.

Some are happy with limited company structures. Others have a much narrower appetite.

The result is that two properties with similar rental income can attract very different levels of lender interest.

That's why it's worth understanding the finance options early in the process. Not because a mortgage dictates whether you buy a property, but because it can highlight opportunities and risks that aren't always obvious at first glance.

We regularly help landlords navigate the specialist lending market and understand which routes may be available before they commit to a purchase.

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The property market is showing a lot more backbone than people gave it credit for. Despite plenty of headlines causing w...
08/06/2026

The property market is showing a lot more backbone than people gave it credit for. Despite plenty of headlines causing worry, the Bank of England just revealed that mortgage approvals for buying a home climbed to nearly 66,000 in April. That is the highest level of lending activity we have seen since January 2025, completely outpacing what most economists expected.

A big driver behind this is that the sharp rate increases from a couple of months ago are finally starting to ease off. Average two-year fixed rates spiked over 5% back in April, but they have already drifted back down to around 4.72% at the start of June.

Banks are also getting competitive to win over customers. Santander and HSBC both cut rates on several deals last week. On top of that, Lloyds and Halifax are trimming up to 0.10% off their fixed rates for home movers and first-time buyers today.

This surge in approvals shows us that the desire to move home or get onto the ladder is still very much alive. Buyers are adjusting to the current landscape, and lenders are responding by dropping prices where they can to keep the market active.

You might have noticed recent news about house prices dipping slightly in May, with Halifax reporting a tiny 0.1% slip and Nationwide tracking a 0.6% drop. From a buyer's point of view, a slight cooling off in house prices is actually a positive thing. It removes the stressful bidding wars we saw earlier in the year and gives you a bit more leverage when making an offer.

The Bank of England will make its next base rate decision on June 18th, where the rate is widely expected to hold at 3.75%. With lenders cutting rates right now, it is a very practical time to review your borrowing options and get your plans lined up so you can act confidently when you find the right property.

Read the full report here: https://www.forbes.com/advisor/uk/mortgages/2026/06/05/latest-mortgage-news/

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

A lot of borrowers think flexibility in a mortgage is there as a safety net.Sometimes it is. But more often, it is what ...
03/06/2026

A lot of borrowers think flexibility in a mortgage is there as a safety net.

Sometimes it is. But more often, it is what helps people move faster financially.

We regularly speak with clients who do not fit into a perfectly predictable monthly budget.

Self-employed clients. Growing families. People planning home improvements. Buyers expecting changing income over the next few years.

For them, flexibility can matter just as much as the interest rate itself.

The ability to overpay when things are going well can reduce interest over the life of the mortgage. Some products may also allow payment holidays or access to previous overpayments, depending on the lender and criteria.

Those features are easy to overlook at the start.

Until life changes.

A mortgage should fit the way you actually live, not the way a calculator assumes you live.

That is why advice matters. Two products with similar rates can work very differently once real life gets involved.

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The continuous rise in property prices we have seen since January has hit its first major speed bump. According to the l...
01/06/2026

The continuous rise in property prices we have seen since January has hit its first major speed bump. According to the latest data from Nationwide, average UK house prices fell by 0.6% in May compared to the previous month.

While the typical home is still 1.7% more expensive than it was this time last year, sitting at £278,024, that annual growth has slowed down significantly from the 3% pace we saw back in April.

The shift comes as global pressures continue to affect energy costs and mortgage pricing. Average two-year fixed rates ended May at 5.68%, with five-year fixes close behind at 5.63%. This rise in borrowing costs is beginning to take a bite out of homebuyer spending power, leading property experts like Savills to shift their full-year forecasts from a 2% increase to a 2% drop in prices.

It is important not to panic over these figures. What we are seeing is a natural reaction to global uncertainty, not a housing market collapse.

Nationwide’s chief economist highlighted that while interest rates have edged up, the impact on overall affordability has been relatively modest so far. Underlying swap rates are still well below the spikes we saw back in 2023. If energy prices begin to normalise over the coming months, this current dip in property values is likely to be short-lived.

Furthermore, the Bank of England is intentionally keeping a steady hand. Governor Andrew Bailey confirmed the central bank is in no rush to raise interest rates while economic growth remains soft, keeping the base rate held firmly at 3.75%. For buyers, this cooling off means less competition and a bit more room to negotiate on price, making a solid mortgage strategy essential to turning the market volatility to your advantage.

Read the full report here: https://www.theguardian.com/money/2026/jun/01/uk-house-prices-fall-interest-rates-nationwide-savills-iran-war

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

One of the quieter problems with buying a new build.People use almost all their savings getting the keys.Deposit. Solici...
27/05/2026

One of the quieter problems with buying a new build.

People use almost all their savings getting the keys.

Deposit. Solicitor fees. Broker fees. Moving costs. Furniture. Flooring upgrades the developer doesn’t include. It adds up quickly.

Then real life starts.

The first few months in a new home are usually more expensive than expected, especially for first-time buyers. Direct debits changing, higher council tax, little jobs around the house, unexpected purchases.

That’s why affordability matters more than simply borrowing the maximum available.

Just because a lender says yes to a number, doesn’t mean that number feels comfortable once you’re actually living there.

A good mortgage should still leave room for normal life.

The clients who tend to feel most confident after moving in are usually the ones who kept some breathing space in their budget, even if it meant buying slightly below their limit.

Not the most exciting advice, admittedly. But probably the advice people appreciate most a year later.

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The mortgage market is moving in two directions at once this week, offering a real mix of opportunities depending on whe...
26/05/2026

The mortgage market is moving in two directions at once this week, offering a real mix of opportunities depending on where you look.

The most positive shifts are aimed directly at buyers with smaller savings pots. Halifax, Barclays, and Santander have all introduced rate cuts focused heavily on higher loan-to-value deals. For instance, Barclays has dropped its fee-free two-year fixed rate at 95% down to 5.5%, while Santander is cutting selected first-time buyer rates by up to 0.23%. If you have been trying to make a 5% or 10% deposit work, these targeted trims provide a much-needed boost.

On the other side of the coin, broader market pressures remain. NatWest increased most of its rates by up to 0.24% this week, and a few smaller lenders have pushed their pricing upward as well.

This divergence is being driven behind the scenes by wholesale swap rates, which lenders use to price their fixed deals. These underlying costs are still sitting around 30 basis points higher than they were last month, largely due to ongoing global market uncertainties.

Even though annual inflation dropped to 2.8% in April, the Bank of England is widely expected to hold the base rate at 3.75% at its upcoming June meeting. Policymakers are adopting a watchful approach to see how international economic pressures settle.

For homeowners looking to remortgage, there is a silver lining. The average of the top ten lenders' best two-year fixed rate has eased back to 4.78%, marking its lowest level since March. With the market fluctuating quickly, securing the right product requires looking beyond the immediate headline rate to ensure it aligns with your long-term budget.

Read the full report here: https://www.forbes.com/advisor/uk/mortgages/2026/05/12/latest-mortgage-news/

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

Buying a property comes with a lot to think about, and arranging a mortgage can feel complicated quite quickly.Our lates...
22/05/2026

Buying a property comes with a lot to think about, and arranging a mortgage can feel complicated quite quickly.

Our latest animated video breaks down the basics, from deposits and repayment options, to interest rates, fees and the different types of mortgage available.

It’s designed to help you better understand the process before making any decisions.

A mortgage is a long-term financial commitment and it’s important to make sure any deal is right for your circumstances.

Watch the video and if you’d like tailored advice, the team at Signpost Mortgages is here to help.

You can watch the video here: https://vimeo.com/757926919

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

A couple of years ago, almost any decent holiday let seemed to work on paper.Strong occupancy forecasts.Low borrowing co...
20/05/2026

A couple of years ago, almost any decent holiday let seemed to work on paper.

Strong occupancy forecasts.
Low borrowing costs.
Plenty of lender appetite.

Now, it’s a bit more nuanced.

Some lenders have tightened criteria around holiday lets, especially in areas where supply has increased heavily or local councils are introducing restrictions on short-term lets.

That doesn’t mean the market has disappeared. Far from it.

But buyers who approach holiday lets the same way they would a standard buy to let can run into problems quite quickly.

Things like projected seasonal income, management arrangements, personal income, and even how far the property is from your home can all affect lending decisions.

It’s also become more important to think about the property long term.

If the short-let market softens locally, would the property still work as a standard rental? Would the mortgage still be affordable?

Those are the conversations happening more often now.

Holiday let mortgages can still be a really good fit for the right property and borrower, but the planning stage matters far more than people think.

Get in touch:
📞: 01603 380331
✉: [email protected]
💻: https://signpostmortgages.co.uk/

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

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

Address

5 Station Road, Drayton
Norwich
NR86SA

Opening Hours

Monday 8am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 2pm

Telephone

+441603380777

Website

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