12/03/2026
An update from Rob Gepp about the state of the market and what actions you need to take ๐ก๐ข๐ช if you have a mortgage.
Quick summary:
โฌ๏ธ Most lenders have been putting the interest rates ๐จ๐ฃ on their products and several products have also been withdrawn.
โฑ๏ธ๐ง๐ถ๐บ๐ฒ ๐ถ๐ ๐ผ๐ณ ๐๐ต๐ฒ ๐ฒ๐๐๐ฒ๐ป๐ฐ๐ฒ. A lot of lenders are giving us only a few hours notice in many cases that products are being pulled. This renders our research redundant very quickly and we have to start work all over again. ๐๐ณ ๐๐ผ๐ ๐ต๐ฎ๐๐ฒ๐ป'๐ ๐ด๐ผ๐ ๐๐ผ๐๐ฟ ๐ฑ๐ผ๐ฐ๐๐บ๐ฒ๐ป๐๐ ๐๐ผ ๐๐ ๐๐ต๐ฎ๐ ๐๐ฒ ๐ป๐ฒ๐ฒ๐ฑ, ๐๐ผ๐ ๐๐ถ๐น๐น ๐บ๐ถ๐๐ ๐ผ๐๐.
๐คIf you already have a mortgage offer, your rate is secured and you don't need to worry.
โ๏ธIf you need to remortgage before the end of September 2026, take action ๐ก๐ข๐ช. Book an appointment with us immediately as mortgage offers are valid for 6 months and we can safeguard against future rate increases. Should rates come down between securing a rate and when your current mortgage expires, we will be in touch to discuss moving to a better product. You can book here: www.vfinances.co.uk/book-online
๐ฅดWe are working some fairly ridiculous hours 7 days a week to help as many of you as possible, often with appointments at 9am and 9pm on the same day. Please remember that we are doing our best in difficult circumstances often at the cost of missing out on family time all whilst receiving no advice fee (in the vast majority of cases). Your help in getting back to us quickly and also leaving reviews on Google/Facebook really give us a boost.
If anyone has any questions or concerns, please don't hesitate to contact us and we will do our best to get back to you as soon as possible.
๐ฌ๐ข๐จ๐ฅ ๐๐ข๐ ๐ ๐ ๐๐ฌ ๐๐ ๐ฅ๐๐ฃ๐ข๐ฆ๐ฆ๐๐ฆ๐ฆ๐๐ ๐๐ ๐ฌ๐ข๐จ ๐๐ข ๐ก๐ข๐ง ๐๐๐๐ฃ ๐จ๐ฃ ๐ฅ๐๐ฃ๐๐ฌ๐ ๐๐ก๐ง๐ฆ ๐ข๐ก ๐ฌ๐ข๐จ๐ฅ ๐ ๐ข๐ฅ๐ง๐๐๐๐ ๐ข๐ฅ ๐๐ก๐ฌ ๐๐ข๐๐ก ๐ฆ๐๐๐จ๐ฅ๐๐ ๐๐๐๐๐ก๐ฆ๐ง ๐๐ง
