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19/08/2026

📈 UK inflation rises — but what does it mean for mortgage rates?

UK inflation has risen to 2.9%, adding a little more uncertainty ahead of the Bank of England’s next interest rate decision.

However, the cooling jobs market and slowing wage growth could mean the Bank is less likely to raise rates in the short term.

For mortgage borrowers, it’s another reminder that rates can be influenced by a number of factors — from inflation and employment figures to global events and energy prices.

The Bank of England’s next decision is due on 17 September, so there’s plenty to watch over the coming weeks.

As always, if you’re coming to the end of a fixed-rate deal or considering your mortgage options, it’s worth looking at the bigger picture rather than trying to predict exactly what rates will do next. 🏠

17/08/2026

🚫 DECLINED DOESN’T MEAN IMPOSSIBLE

Been told “no” by a high street lender? Don’t assume that means your mortgage plans are over.

A decline simply means that particular lender couldn’t make the case work based on their criteria. Another lender may look at the same circumstances very differently.

From credit history and income to deposit size, affordability and self-employment, there can be lots of reasons why an application doesn’t fit — and sometimes, it’s simply about finding the right lender.

That’s where good mortgage advice can make a difference. 🔎

One lender’s “no” could be another lender’s “yes”. 🏡

10/08/2026

📉 Mortgage rates are moving in the right direction

There’s been some positive movement across the mortgage market, with several major lenders announcing rate reductions.

🏦 Santander is cutting 200+ mortgage rates by up to 0.25% across residential and buy-to-let.

🏦 NatWest has also reduced 200+ new business rates, with cuts of up to 0.24%.

🏦 HSBC is reducing rates across residential and buy-to-let too.

And with Nationwide and Barclays also recently cutting rates, there are now more opportunities for borrowers to secure a better deal.

Some examples include:

🔹 Santander 90% LTV first-time buyer 2-year fix: 5.14% → 4.89%
🔹 Santander 95% LTV 10-year fix: 5.95% → 5.70%
🔹 NatWest 95% LTV 2-year fix: 5.59% → 5.38%
🔹 NatWest 90% LTV first-time buyer 2-year fix: 5.02% → 4.86%

💡 What does this mean for you?

If you’ve been waiting to buy, considering moving home, or have a mortgage deal coming to an end, it could be worth reviewing your options.

Even if you’ve already had a mortgage quote, the market can change quickly — and a better rate could now be available.

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage advice is subject to status and affordability. Rates and criteria are subject to change.

28/07/2026

🏡 Stamp Duty Update: No Changes Planned This Autumn

Following recent speculation, Prime Minister Andy Burnham has confirmed there will be no changes to Stamp Duty Land Tax in the upcoming Autumn Budget.

While discussions around reform have highlighted the impact stamp duty can have on moving home and the wider housing market, the government has stated that changes to the tax are not currently being considered.

For anyone planning to buy, move or invest, this means the existing stamp duty rules remain in place for now.

If you’re considering your next move, it’s always worth understanding the full costs involved before making any decisions. Talking to a mortgage adviser can help you navigate your options and ensure you’re prepared for every stage of the home-buying journey.

27/07/2026

“I have used Rob and the team at Miller Financials for the last three years, and they have been exceptional. They handled both my first mortgage and my recent remortgage, securing low-cost rates each time.

I highly recommend them for all your financial needs. Their service and interaction from the very beginning have been top-class. They provide customized solutions tailored to your situation, and their results are well worth the service fee. I truly appreciate their hard work and expertise . Thank you Rob and team” - Karthikeyan. K

17/07/2026

📈 Mortgage rates are on the move again.

After weeks of positive news, several major lenders have begun increasing their fixed mortgage rates, including NatWest, Barclays, Nationwide, Coventry Building Society and Virgin Money.

The changes are being driven by rising swap rates, meaning borrowers who have been waiting in the hope of securing an even lower rate may want to reconsider.

If you’re:
🏡 Buying a home
🔄 Remortgaging
📅 Approaching the end of your current fixed deal

Now could be the right time to review your options before further rate increases are announced.

Every lender and every mortgage is different, so getting expert advice can help you secure the most suitable deal for your circumstances.

09/07/2026

The latest figures show UK house prices increased slightly in June, but the bigger story is what's happening with mortgage rates.

As lenders continue to reduce rates, we're seeing more buyers who had previously put their plans on hold returning to the market. First-time buyers, in particular, are becoming more active as improved affordability helps them take the next step towards homeownership.

If you've been waiting for the right time to buy, remortgage or simply want to understand what's available, now could be the perfect opportunity to review your options.

Every situation is different, and with mortgage rates changing regularly, getting expert advice can help you find the most suitable deal for your circumstances.

30/06/2026

🏡 Could stamp duty reform be the boost the UK housing market needs?

Recent proposals to reform stamp duty have sparked plenty of discussion across the mortgage industry, with many experts believing changes could encourage more people to move, improve housing affordability and stimulate economic growth.

Alongside potential changes to stamp duty, there are also calls for greater regional flexibility in mortgage lending, recognising that property markets vary significantly across the UK.

For homebuyers, movers and landlords, any future reforms could have a real impact on the cost of buying and selling property.

While nothing has changed yet, it’s a reminder that the property market is constantly evolving. If you’re thinking about buying, remortgaging or investing, getting the right mortgage advice can help you make informed decisions—whatever happens next.

22/06/2026

🏡 Political changes can have a real impact on the mortgage market.

With Keir Starmer announcing his resignation and Andy Burnham emerging as the frontrunner to become the UK’s next Prime Minister, financial markets are already responding.

What could this mean for homeowners, buyers and landlords?

✅ Fixed mortgage rates could face renewed pressure if swap rates rise alongside market uncertainty.

✅ Buyers waiting on the sidelines may be watching proposed property tax reforms closely, although any changes remain some way off.

✅ Landlords should stay alert as further rental sector reforms and potential rent controls continue to be discussed.

If your mortgage deal is ending within the next 6 months, now could be a good time to review your options and understand what’s happening in the market.

18/06/2026

📢 The Bank of England has held the Base Rate at 3.75% today.

While this won’t automatically mean mortgage rates stay exactly the same, it does offer a bit more certainty for homeowners, buyers and anyone approaching the end of a fixed-rate deal.

Lenders will continue to respond to wider economic conditions, but today’s decision suggests a steady approach for now.

We’ll be keeping an eye on what happens next and what it could mean for the mortgage market.

Address

Eastlands Court Business Centre St. Peters Road
Rugby
CV213QP

Telephone

+441788577775

Website

http://www.millerfp.co.uk/, http://calendly.com/mortgage-initial-chat/30min

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