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SJ Mortgages

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SJ Mortgages

Independent Whole of Market Mortgage Brokers

05/11/2026

📢 BANK OF ENGLAND BASE RATE INCREASES TO 4%

The Bank of England has increased the Base Rate from 3.75% to 4%, the first increase in over three years.
So, what does this mean for your mortgage? 🏡

📈 Tracker & Variable Rate Mortgages
You could see your mortgage interest rate and monthly repayments increase following today’s announcement.

🔒 Fixed Rate Mortgages
Good news if you’re currently on a fixed rate! Your existing mortgage rate and monthly repayments won’t change during your fixed-rate period.

💡 What happens next?
With uncertainty surrounding inflation, global oil prices and the wider economy, mortgage rates could continue to fluctuate.

If your current mortgage deal is due to expire within the next six months, now is a good time to start exploring your options.

📩 Want to understand what this means for you and your mortgage? Check out our latest post with the link in our comments and stories

31/10/2026

Another happy customer ⭐️

Helping clients navigate even the most complex mortgage journeys is what it’s all about. Thank you for your trust and kind words, A Raguin 🏡

It was a pleasure supporting you every step of the way

28/10/2026

The UK Budget: What does it mean for you? 💷

The Chancellor has announced a range of measures that could impact household finances, first-time buyers, landlords and businesses.

Here are some of the key takeaways 👇

🏡 First-time buyers: A new First Homes Scheme is planned for spring 2027, alongside a new ISA to replace the Lifetime ISA.

⚡ Energy bills: Eligible households in Council Tax bands A–D will receive a one-off £100 payment, while changes to gas standing charges and electricity VAT aim to ease costs.

💰 Savings: The annual Cash ISA allowance will remain at £20,000.

👨‍👩‍👧 Families: Self-employed partners will become eligible for parental leave payments.

📈 Wages: The National Minimum Wage and National Living Wage will increase by 3.9%.

🏢 Businesses: Increased small business rates relief could help thousands of retail and hospitality businesses.

🏠 Landlords: A further 2% tax on income from land and property could affect rental property returns.

As always, the impact will depend on your individual circumstances 🏡

Check out our latest post on the budget in the comments and our story ⬇️

Do you think you’ll be better or worse off following today’s budget? Let us know your thoughts on the comments 📩

21/10/2026

The latest inflation figures show UK inflation has risen to 3.5% in the year to September, up from 3.1% in August 📈

With rising fuel costs and ongoing global uncertainty contributing to the increase, what could this mean for mortgage holders?

📊 With markets reacting to the latest economic news, keeping an eye on mortgage rates and understanding your options has never been more important.

🏡 Our views and thoughts on how the latest figures could influence the Bank of England’s next Base Rate decision, and why the upcoming Budget could also play a role in the direction of mortgage rates in the link in our comments and stories

06/10/2026

📈🏠 Mortgage rates have reached a three-year high

The average five-year fixed rate mortgage is now 6% followed closely by the average two-year at 5.98%, according to Moneyfacts latest figures 📈

With mortgage rates rising over the past month, borrowing costs now at their highest level in around three years 📈

For homeowners coming to the end of a fixed-rate deal, this could mean a noticeable change in monthly repayments when they refinance. For prospective buyers, higher rates can also affect affordability and the amount you may be able to borrow 🏡

It’s worth keeping in mind that mortgage rates can vary significantly depending on the lender, loan-to-value, term and individual circumstances. 📊

With the mortgage market continuing to change, keeping an eye on rates and understanding how changes could affect your finances is increasingly important. 💷

Check out our latest post in the links below 📰

01/10/2026

🎂✨ 6 YEARS OF SJ MORTGAGES! ✨🎂

Six years, countless mortgage journeys and so many amazing clients who have trusted us along the way 🏡🔑

From first homes 🏡 to forever homes, remortgages and everything in between - we’re so proud to have been part of your journeys 💙

Here’s to 6 years of SJ Mortgages and to everything that’s in store for us this year! 🚀

16/07/2026

Another happy customer ⭐️

Helping clients navigate even the most complex mortgage journeys is what it’s all about. Thank you for your trust and kind words, Rupert 🏡

It was a pleasure supporting you every step of the way

15/07/2026

📢 Mortgage rates are starting to creep up again...

Following the escalation of the conflict in the Middle East, the cost of borrowing for lenders has increased significantly this week, and we're now seeing mortgage providers respond by raising their rates 📈🏡

Today, both Barclays and Nationwide announced some notable rate increases, and we're delighted that This is Money featured our comments on what this means for borrowers 📰

Have a read and let us know your thoughts in the comments 💬🔑

18/06/2026

🚨 No change from the Bank of England today 👇

The Bank of England has voted to hold the base rate at 3.75% 🏦📊

However, the decision wasn’t unanimous. While the majority voted to keep rates unchanged, two members voted for a rate increase, highlighting that concerns around inflation remain on the Bank’s radar 📈

What does this mean for you? 🤔

🏡 Homeowners - Mortgage rates may remain relatively stable in the short term.
🔑 Buyers - Borrowing costs remain unchanged for now, but future rate decisions will continue to be closely watched.
💰 Savers - Savings rates could continue to offer competitive returns.

📊 The split vote suggests the Bank is still balancing inflationary pressures against economic growth.
With the next rate decision scheduled in the coming months, all eyes will be on inflation and economic data to see where rates could head next.

11/06/2026

Another happy customer ⭐️

Helping clients navigate even the most complex mortgage journeys is what it’s all about. Thank you for your trust and kind words, Richard 🏡

It was a pleasure supporting you every step of the way

Address

Whiteley

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5pm

Website

http://sjmortgages.co.uk/

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