Fresh Financial

12/05/2026

🏦 Bank Rate holds at 3.75% - here's what it means for you!

After discussions in March and April, the Bank of England has kept the base rate on hold, and honestly, in the current climate, that's not the worst outcome.

With inflation still sitting above target at 3.3% and ongoing uncertainty in global markets, they've opted for caution over cuts. So what does that mean if you're thinking about your mortgage?

👉 Coming to the end of your current deal? If you're within 6 months of your fix ending, it's worth exploring your options now. Many lenders let you lock in a rate today and switch later if something better comes along, so you get protection without losing flexibility.

👉 Thinking about buying your first home? Don't let the headlines put you off. Lenders are still competing for business, and there's more choice in the market than there was 12 months ago. The key is understanding your options, not rushing into a decision.

The market is moving, just not as fast as any of us would like. The best thing you can do is go into it informed.

Not sure where to start? That's exactly what we're here for 😊

25/04/2026

Refer a friend. Get rewarded. 💷

If you know someone planning a move or reviewing their mortgage, refer them to us and you will both receive £25 when their mortgage and protection completes.

📞 01727 800911

25/04/2026

Curious about what is happening in the property market this spring? Our latest Market Report looks at buyer demand, pricing trends, and what it could mean if you are planning a move in St Albans or Harpenden this year.

👉 Take a look at the full report here:
https://pageturner.guildproperty.co.uk/bradford-and-howley-spring-2026-report

View our online magazine.

26/03/2026

We just wanted to say a big 'Well Done' to John Greene. March will be his best month to date, despite still settling into the role AND doing all his own admin! Thank you for all your hard work; we appreciate it.

19/03/2026

The bank rate has held at 3.75% 📣 With ongoing energy price pressures and global uncertainty, it’s no surprise that rates remain steady for now.

The good news? Mortgage markets often move ahead of these decisions, so the impact on new deals may not be as dramatic as you’d expect.

👉 If you’re within six months of your current deal ending, it could be worth securing a rate now. Many lenders allow you to lock in a deal and switch later if rates improve, giving you a bit of breathing room in an uncertain market.

👉 And if you're thinking about buying your first home, don’t panic. Focus on understanding your options rather than rushing. There’s more flexibility in the market than there was last year.

Not sure where to start? That’s exactly what we’re here for. Let’s chat and explore what’s possible for you 😊

less

07/08/2025

Bank of England cuts interest rates to 4%, the lowest level in two years

Read more https://www.bbc.co.uk/news/live/cedvn267z0jt

08/05/2025

The Bank of England have CUT interest rates today to 4.25%.

For more info, click here https://www.thisismoney.co.uk/money/mortgageshome/article-14690723/Interest-rates-cut-4-25-means-mortgage-savings.html

15/04/2025

More low-deposit mortgages are available to choose from than at any time since the financial crisis of 2008, according to new figures..

Read more here https://www.bbc.co.uk/news/articles/ckgxdyyz8e1o

To explore your mortgage options, give us a call at 01727 800911

24/03/2025

Please be aware that we are experiencing issues with our internet and phone connection.

We are working to get this resolved as quickly as possible so we can get back to assisting you.

12/02/2025

Just announced by Santander.. Read more below:

https://www.thisismoney.co.uk/money/mortgageshome/article-14385763/Mortgage-price-war-erupts-Santander-sends-rates-4-time-November.html

06/02/2025

The Bank of England have just announced interest rates have been cut down to 4.5%.

If you'd like to find out more, head to https://www.bbc.co.uk/news/live/cly5rm5d7pxt