Lonsdale Mortgages

06/10/2025

🏡 Could upcoming FCA mortgage rule changes help more people onto the housing ladder?

The Financial Conduct Authority (FCA) is reviewing mortgage rules to explore whether the market could become more flexible – particularly for first-time buyers, the self-employed, and those borrowing later in life.

While no changes have been confirmed yet, the direction of travel is promising:
✔️ Recognising rental history in affordability checks
✔️ Giving lenders more discretion in assessing irregular income
✔️ Supporting borrowers who don’t fit the traditional mould

For many aspiring homeowners, these potential reforms could remove barriers that have kept the housing ladder out of reach.

👉 You can read more about the FCA review and what it could mean for buyers in this article: FCA Mortgage Rule Review – What It Could Mean for Buyers.

Here: https://www.lonsdalemortgages.co.uk/news-fca-mortgage-rule-review-what-it-could-mean-for-buyers-251

And if you’re considering your next move, whether buying now or planning ahead, speaking to a Lonsdale mortgage adviser can help you understand your options under the current rules and prepare for the future.

Get in touch with the Lonsdale team today to discuss your financial situation and take your first step with confidence.



Please note: As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments. This article is for information only and does not constitute advice.

Looking to mortgage? Especially first-time buyers, self-employed, or those looking for later life borrowing, recent FCA news is significant.

22/09/2025

Navigating the mortgage market can feel overwhelming, especially with rising property prices across the UK. That’s why independent mortgage advice is more important than ever.

Independent advisers offer unbiased advice, access to the full market, and support at every step of the process – ensuring your choices are in your best interest. They help you avoid costly mistakes, guide you through paperwork, and protect your financial future.

Mortgage advice should always be tailored to your individual circumstances… so you can make confident decisions that support your long-term financial wellbeing.

Discover how independent mortgage advice can give you protection and peace of mind in your property journey.

Read the article: https://www.lonsdalemortgages.co.uk/news-why-independent-mortgage-advice-offers-protection-peace-of-mind-248



Please note: As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments. This article is for information only and does not constitute advice.

Arranging a mortgage is one of the most important financial decisions many people will ever make, impartial advice has never been more crucial.

07/08/2025

🏡 Thinking About Buying Your First Home? There's Good News.
If you’re in your 20s and nearly ready to buy your first place, but worried your income won’t stretch far enough, this is good news.

Thanks to a recent Bank of England policy change, getting a mortgage as a first-time buyer might have just become a bit easier.

What’s changed?
The rules around high loan-to-income (LTI) mortgages, where you borrow more than 4.5x your salary, have just been relaxed for smaller lenders. That means more banks and building societies can now offer bigger loans if you qualify, without breaching regulatory caps.

Why does this matter?

In real terms:
If you earn £35k a year, and struggled to get a mortgage above £157,500 in the past, you might now have more options – even if your deposit is limited.

You still need to pass strict affordability checks (this isn’t free money), but lenders now have more flexibility to work with people like you: stable earners with a strong credit history, but perhaps not a giant deposit.

What should you do next?
Speak to a qualified mortgage adviser, not just a price comparison site. At Lonsdale, we’ll walk you through what’s realistic, what’s affordable, and what’s right for you. No pressure, just clear advice.

📞 Want to chat? Call our friendly mortgage team in St Albans: 01727 845500
Read our article here: https://www.lonsdalemortgages.co.uk/news-more-flexibility-for-first-time-buyers-thanks-to-policy-shift-245

You’re closer to homeownership than you think.




Please note: As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments. This article is for information only and does not constitute advice.

First-time buyers across the UK may soon benefit from increased access to mortgage finance, thanks to a recent policy change.

16/04/2025

Is your mortgage deal ending soon? US Tariffs may affect mortgage rates.
The recent US tariffs on UK exports may feel like a world away from your mortgage, but they could directly affect your next deal.
With inflation, interest rate cuts, and lender competition all shifting, understanding how these global changes might impact UK mortgage rates in 2025 is essential if you want to make a smart, well-timed decision.
• Some lenders are already cutting rates below 4%.
• If your deal ends within the next 6 months, now is the time to act.
Read the full article to see why this matters more than you might think:
https://www.lonsdalemortgages.co.uk/news-how-us-tariffs-could-influence-uk-mortgage-rates-in-2025-239
Need personalised advice? Call our expert team in St Albans: 01727 845500.
Amy Kadir, Mortgage Broker, Lonsdale Mortgages, St Albans
Please note: As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments. This article is for information only and does not constitute advice.

Why it’s important to understand how US tariffs may impact your mortgage decisions.

17/03/2025

Read the article in full here:

With the financial year ending on 5 April 2025, assess your finances and optimise tax, savings, and investments.

05/12/2024

The UK mortgage market remains challenging, with interest rates still relatively high despite the Bank of England’s recent base rate reduction to 4.75%. Borrowers are navigating higher costs, and lenders continue to adjust their products in response to economic uncertainty.
In this environment, expert guidance is more important than ever. Mortgage advisers can:
• Provide access to a wider range of products, including some not available directly
• Offer personalised advice tailored to your financial goals
• Simplify the application process and negotiate on your behalf

Whether you’re a first-time buyer, looking to remortgage, or considering buy-to-let, getting professional advice can make all the difference in finding the right solution.
Read more about how to secure the most suitable mortgage in today’s market: https://www.lonsdalemortgages.co.uk/news-understanding-the-current-uk-mortgage-market-229

20/03/2024

If you are looking to move house this year, take mortgage advice.

What is happening in the housing market?

08/01/2024

Lonsdale mortgage brokers always recommend you review your protection cover. If for any reason you were unable to make your mortgage repayments it could pay your mortgage and prevent you losing your home.

We always recommend our customers take protection cover when we offer mortgage advice

08/01/2024

For the second year running Lonsdale Services is featured in the FT Adviser Top 100. Lonsdale Mortgages is part of Lonsdale Services.

Lonsdale Mortgages is part of Lonsdale Services. Our mortgage brokers offer mortgage advice to home owners, or anyone remortgaging

26/07/2023

The new Consumer Duty is being introduced from 31st July. Read how our Lonsdale Mortgages broking team are preparing for the new regulations.

The new Consumer Duty is being introduced from 31st July. Read how our Lonsdale Mortgages broking team are preparing for the new regulations.

26/07/2023

Rates for two-and five-year fixed rate mortgage deals fell recently on better than expected inflation figures. If you are due to remortgage in 2023 or you are moving house soon call our mortgage broking team for mortgage advice.

If you are due to remortgage or move house, read this article or call our mortgage broking team on 01727 845500.