Joshua Thomas Finance

15/07/2026

‼️ WHAT ARE SWAP RATES? ‼️

Simply speaking, ‘swap rates’ are the interest rates that banks charge each other for borrowing. This therefore affects how much you will pay for a new fixed rate mortgage product.

A common misconception is that the Bank of England base rate is the only factor influencing mortgage interest rates, but swap rates have the most significant impact.

The swap rates reflect market expectations and are influenced by inflation, fuel prices and the general economy (largely why the US & Iran conflict is having such a big impact in the UK).

As tensions rise again, a likely outcome could be another spike in interest rates like we saw at the start of the year.

If your fixed deal is coming to an end in the next 6 months - best advice would be to look at securing a new rate sooner than later!

As always, feel free to get in touch to discuss further 📞 🏠

21/04/2026

🚨 MARKET UPDATE 🚨

After a challenging few months in the mortgage market with rates unexpectedly increasing due to inflation figures/the conflict in Iran, we are finally starting to see some positive news from lenders;

In the last week, Halifax, Santander and Barclays have announced rate reductions to their product ranges.

Hopefully a sign of more positive things to come as things get back to a level of ‘normality’!

As always, if you are looking to buy, your fixed deal is coming to an end or you just want a general chat - please get in touch 🏠 📞

19/02/2026

Good news for anyone that took a 2 year fixed rate in 2024.

Get in touch if your fixed deal is ending this year!

☎️ 📧 🏡

Research from Rightmove found that the average monthly mortgage payment was £1,592 in January 2026, £119 lower than the same time last year.

24/12/2025

Merry Christmas to all of our customers and connections!

We hope you have a lovely break with friends & family.

Josh & Tom

18/12/2025

The Bank of England has today cut base rate from 4% to 3.75%.
Promising longer term signs for inflation and mortgage interest rates. Get in touch for more info!

04/11/2025

Lowest rates we have seen for a long time! Additional criteria/deposit levels apply, but good news nonetheless.

Rate reductions are being made on two, three, five and 10-year fixed-rate products

23/10/2025

Latest inflation figures lower than predicted could have a positive impact on mortgage rates over the coming months! 👇🏼

Two major banks have cut their their mortgage rates on news interest rates could now fall faster than expected.

16/10/2025

⭐️ ⭐️⭐️⭐️⭐️

Some recent reviews from our lovely customers! Please do get in touch if you are looking to buy or your mortgage deal is coming to an end 📞 📧

07/08/2025

🏡 Bank of England cut base rate for fifth time in a year to 4%. 🏡

More below:

Bank’s policymakers cut base rate by quarter point to 4% amid concern about strength of UK economy

07/06/2025

Please consider sponsoring a customer and very good friend of ours; Sammy Barson - 12 marathons in 12 months for British Heart Foundation!!

I am going to be attempting to run 12 marathons in 12 months, in memory of my late grandad who we … Sam Barson needs your support for 12 Marathons. 12 Months.