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Mortgages for life. Security for generations. 🏡
Mortgages are relationships — and we don’t do the dirty. Real people. Real conversations. Here for now. What’s next?

Real solutions for every stage of life. “MTGE UK is a trading name of MTGE Partnership LLP who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Ltd is authorised and regulated by the Financial Conduct Authority”

“YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE”

We will be paid a procuration fee from the lender. For our advice services we do not charge a fee, apart from certain circumstances such as extremely complex cases or
where considerable time is spent sourcing and providing recommendations. Where a fee payment has been agreed by all parties, this could equal 2% of the loan amount ,however this will not
exceed £5000. Any such fee will be agreed at outset and an invoice issued prior to any application, advice or recommendation. Most Buy-to-let Mortgages are not regulated by the Financial Conduct Authority.

08/10/2026

DAY OF THE TRACKER
Is your fixed rate in the firing line?

For a long time, fixing has felt like the obvious choice. You know your rate. You know your payment. There’s comfort in knowing exactly where you stand.

But right now, there’s another part of the mortgage market worth putting under the lens.
Bank Rate currently sits at 3.75%.

Meanwhile, the average two-year fixed mortgage rate reached 5.98% this week and the average five-year fix hit 6.00%— its highest level in around three years.

Bank of England
And trackers?

Some tracker and variable deals are currently sitting below 5%, although the rate available to any individual depends on the lender, LTV, fees and their circumstances. The Times

Does that suddenly make a tracker the answer?
No. And that’s exactly the point.

A tracker usually moves with Bank Rate, so payments can rise as well as fall. A fixed rate gives certainty for the fixed period. That certainty may be incredibly important to one person and less important to another.

Then there are product fees, early repayment charges, LTV, how long you expect to stay in the mortgage and everything else that makes your circumstances yours.

So this isn’t fixed vs tracker: which one wins?
It’s whether we sometimes become so accustomed to choosing the familiar option that we stop looking at what else is available.

When did you last put fixed and tracker under the same lens?
If your mortgage is approaching the end of its current deal, we can look at the options available to you and talk through what they actually mean for your circumstances.

Sources: Bank of England, Moneyfacts — checked 7 October 2026.

06/10/2026

ONE BUILDING. TWO HOMES.
Could Germany’s Zweifamilienhaus give Britain something to think about?

We’ve been exploring generational living at MTGE, but what if the conversation began before we adapted an existing home?

What if we built differently in the first place?

A Zweifamilienhaus is one building containing two independent homes — commonly arranged one above the other. German law actually recognises it as a distinct type of residential property containing two dwellings. One generation could live downstairs, another upstairs. Close enough to share life, while each still has a home of their own.

There may be practical advantages too. German data from April 2026 puts the typical advertised price of a prefabricated two-family house ready to move into at around €2,650 per m², excluding land and some additional building costs.

But the interesting part isn’t simply price.

Two homes under one roof can make better use of one plot, while some spaces, infrastructure and building costs may be shared.

Germany’s financing system can recognise the individual homes too. KfW’s Home Ownership Programme allows for someone buying a building containing several homes and living in one themselves, subject to its criteria.

Britain already has ways of creating and financing different living arrangements. The question we’re interested in is bigger:

If the way generations live is changing, could the way we design — and finance — our homes evolve with them?

Sources: German Federal Ministry of Justice, BewG §249; KfW Home Ownership Programme 124; Fertighaus.de, 2026.

01/10/2026

RATES ARE MOVING. WHAT’S BEHIND IT?
Bank Rate remained at 3.75% in September.
So why can the mortgage rates available to borrowers still change?
Because Bank Rate is only part of the story.

Mortgage pricing is also influenced by financial markets and lenders’ funding costs. Those markets respond to what is happening now — and what they expect might happen next.

The Bank of England says UK financial conditions have tightened, with increases in short-term market interest rates passing through quickly into key lending rates.

It also reported UK CPI inflation at 3.1% in August, with risks around its inflation outlook currently tilted to the upside.

So a Bank Rate that hasn’t moved doesn’t automatically mean mortgage pricing hasn’t moved either.
But that’s the market story.

The human story can look very different.

Someone approaching the end of a fixed rate may be looking at this market very differently from a first-time buyer.

Someone considering a move may have completely different questions from somebody whose current mortgage still has years to run.

The market has its numbers. People have their circumstances.

That’s why we don’t believe a headline — or a single interest rate — tells the whole story.

At MTGE, the conversation starts with understanding where someone is now, what they’re considering next and the wider market they’re navigating.

Mortgages for life. Security for generations.

What would you most like the mortgage headlines to explain more clearly?

Source: Bank of England — Monetary Policy Summary & Minutes, September 2026.

29/09/2026

STOP THE PRESS: A 2.5% DEPOSIT?
The Government has announced Your First Home, a new equity loan scheme for first-time buyers in England, due to be confirmed at next month's Budget.

WHAT?
The scheme is expected to support deposits of around 2.5%, backed by 20% government-backed equity loans, for prospective first-time buyers purchasing new-build homes from participating developers.
An initial interest-free period is planned. Household income and local property price caps will also apply. GOV.UK

WHY?
For some first-time buyers, getting the deposit together is one of the biggest barriers to home ownership.
The Government says the scheme is designed to tackle that barrier while also supporting the new-build market and housing supply. Participating developers will be expected to contribute towards costs. GOV.UK

HOW?
This is where the headline needs perspective.
A smaller deposit doesn't automatically make a home affordable.
The scheme will have eligibility requirements, and buyers using a mortgage would still be subject to the relevant lender's criteria.

And a 20% equity loan isn't the same as simply being given 20% towards a home.
The Government says users could save hundreds of pounds a month compared with a 95% mortgage. That's the Government's assessment — not a saving that can be assumed for an individual buyer. GOV.UK

So we know the headline. At the Budget we'll be looking for the detail behind the income and local property price caps, costs and implementation timeline. GOV.UK
Could a lower deposit change your route to home ownership — or is affordability about much more than the deposit?

Source: Ministry of Housing, Communities & Local Government, New first-time buyer scheme to be confirmed at Budget, 26 September 2026.
GOV.UK — read the announcement

24/09/2026

HERTFORDSHIRE vs RURAL FRANCE 🇬🇧🇫🇷
Same dream. Very different front door.

We talk endlessly about house prices — but sometimes you need to open the front door to see what those numbers actually mean.

In semi-rural Waterford, Hertfordshire, a current property is on the market at £499,995. It's a three-bedroom cottage with one bathroom, two reception rooms, front and rear gardens, garage and driveway — and it requires comprehensive modernisation.

Now cross the Channel to rural Brittany.
A current 18th-century Breton farmhouse is listed at €249,000 — approximately £214,000. It has three bedrooms, two bathrooms, 1.1 hectares of land and traditional outbuildings.

But here's the twist.
It isn't only the front door that looks different. So does the finance behind it.
As of 23 September, average UK fixed mortgage rates stand at 5.91% for two years and 5.94% for five years. In France, the latest Banque de France data show an average rate of 3.30% on new housing loans excluding renegotiations in July.

They're different mortgage markets with different products, criteria, costs and lending structures, so this isn't a direct mortgage-deal comparison. But put property and finance together and it creates a fascinating picture of how differently the idea of “home” can look on either side of the Channel.

What would carry the greatest value for you — location, the property itself, land and space, the finance behind it, or something else?

Sources: Rightmove (Waterford listing, added 14 Sept 2026); French-Property.com (Bon Repos sur Blavet listing); Moneyfacts (UK mortgage averages, updated 23 Sept 2026); Banque de France (July 2026 housing-loan data).

Source links for your Meta article
Hertfordshire property — Rightmove
Brittany property — French-Property.com
UK mortgage rates — Moneyfacts
French mortgage data — Banque de France

22/09/2026

WELCOME TO MTGE 🏡

You may have noticed things are looking a little different around here.

The look may be evolving, but the heart of MTGE remains the same — people, relationships and mortgages that support life as it changes.

Mortgages for life. Security for generations.

Because behind every mortgage is a person.
A first set of keys. A growing family. A change in circumstances. A new beginning. An investment. A plan for later life.
And usually, somewhere amongst all of that, there's a question:
What's next?
That's where we come in.

At MTGE, we believe mortgage advice is about more than rates, numbers and applications. It's about understanding the person behind them and building relationships that can continue through different stages of life.

And that's what you'll find here too.

Alongside mortgage advice and market updates, MTGE Times opens up some of the bigger conversations happening around housing today — affordability, changing generations, lenders, developers, new ways of living and the ideas that could shape the homes and mortgages of tomorrow.

We won't pretend to have every answer.
We'd rather share what we're seeing, ask good questions and open conversations about what might be possible.

Because mortgages are about homes.
And homes are about people.

Here for now. What's next?

Welcome to MTGE.
The MTGE Collective

22/09/2026

COULD WE LIVE DIFFERENTLY? 🇬🇧 🇩🇪

There isn't one answer to Britain's housing challenges. Perhaps there shouldn't be only one way of imagining how we live either.

Last week, we asked whether UK developers, planners and lenders could work together to create purpose-built multigenerational housing — allowing generations to remain close, retain independence and potentially share some of the economics of housing.

This week, we're looking to Germany. Not because Germany has “solved” housing, but because it gives us something real to explore.

In Münster, Grüner Weiler has 128 independent cooperative homes, including 70 publicly supported homes, designed for different generations within one development.
And this is where the distinction matters.

This isn't simply several generations sharing one house or kitchen. Nor is it just about communal living.
People retain their own private homes and independence, while gardens, workspaces, workshops, laundry, wellbeing and community areas can be shared.

Private space is deliberately more compact — around 34.4m² per person — creating more space for collective use.
In summer 2026, housing charges were €15.75/m² for privately funded homes and €8.19–€9.09/m² for qualifying publicly supported homes, plus utilities.
Sources: City of Münster / Grüner Weiler eG, 2026.

MTGE's question for the UK goes further.
Could we purpose-build housing around generations from the outset?
A place where a grandparent, parent and adult child might each have independence, yet remain connected. Where community doesn't mean surrendering privacy. Where developers, planners and lenders work together to make another form of living viable.

It may not be the solution.

But could it become another choice?

And if the UK created housing differently, what would it need to offer for you or your family to genuinely consider it?

17/09/2026

COULD WE BUILD OUR WAY TO AFFORDABILITY?

£273,000 — average UK house price.
£1,400 — average monthly private rent.
0.6% — real regular-pay growth.
Source: ONS, September 2026.

Earlier this week we looked at how mortgage lenders are responding to affordability, with family-supported borrowing, higher-LTV lending and products designed around the changing reality of today's buyer.

But lending is only one side of the front door.
What if we changed the home itself?

Younger generations face an increasingly difficult route into home ownership, while 14% of pensioners are living in relative low income after housing costs.

Could there be an opportunity between the generations?

Britain has a history of maisonettes, annexes and divided homes allowing families to live close while retaining independence.

Imagine rethinking that for 2026:
🏠 One building.
🚪 Two front doors.
🍽️ Two kitchens.
🔑 Two genuinely independent living spaces.

Parents and adult children could share the economics of a property without sharing every aspect of their lives.
Older generations could remain close to family while retaining independence.
Younger generations could have another potential route towards ownership.

There are real questions around planning, ownership, mortgageability, valuation, taxation, resale and commercial viability.
And perhaps that's exactly why developers, planners, lenders and advisers need to be in the same conversation.

What if developers helped shape multi-generational homes from the beginning — including how they could work with planning requirements and mortgage lending — rather than trying to make those pieces fit afterwards?

There won't be one answer to Britain's housing crisis.
Lenders are already exploring how we finance tomorrow's buyer.

Perhaps it's time to explore what we build for them too.

Developers, architects and property professionals — what would you build differently to make housing work better for the generations of today and tomorrow?

Address

4 Digswell Cottages
Welwyn Garden City
AL87NN

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Tuesday	8am - 9pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 7pm

Telephone

+442036407600

Website

http://mtge.uk/

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