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Mortgage metrics: August 2025

Mortgage rates have fallen after August’s bank rate cut. The average two-year fixed rate is now 4.25%, down from 4.99% a year ago, while the five-year fixed rate is 4.18%,...

Why our customers trust Mortgage Decisions: A story of expertise and five-star reviews

At Mortgage Decisions, our mission is to provide exceptional mortgage and protection advice that genuinely helps our clients achieve their financial goals. We’re proud to be a trusted name in...

10 reasons why UK homebuyers should use an experienced Mortgage Adviser when requiring a mortgage

Access to a Wider Range of Mortgage Deals – Mortgage Advisers have access to exclusive deals, here at Mortgage Decisions we are part of Mortgage Advice Bureau (MAB) which unlocks...

Several major lenders have recently introduced mortgage deals with interest rates below 4%…

Mortgage approvals in January were 18% higher than a year earlier, as buyers look to secure properties before the nil-rate threshold for stamp duty reverts from £250,000 back to £125,000...

Several major lenders have recently introduced mortgage deals with interest rates below 4%…

At Mortgage Decisions, it is noteworthy that several major lenders have recently introduced mortgage deals with interest rates below 4% for loans with a 60% loan-to-value ratio. Typically, interest rates...

remortgage

Beginners guide to remortgaging

A remortgage is essentially switching your existing mortgage to a new one. The process essentially involves switching from your existing mortgage to a new deal, either with your current lender...

MORTGAGE MATTERS – AUGUST

The Bank of England cut the Bank Rate on 1 August from 5.25% to 5%, indicating confidence that inflation, which remained at the 2.0% target in June (ONS), is slowly...

BANK OF ENGLAND LOWERS BASE RATE

After two years of nearly continuous interest rate increases by the Bank of England, followed by an additional year of persistently high rates that have placed considerable strain on many...

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I just wanted to say a huge thank you to Tom and Helen to help us to choose the right life insurance and critical illness cover. Great service highly recommend.

  • 5 star review on TrustPilotGabor

Mortage decision were great at getting our mortgage for a shared ownership property. Helen and Matt were very helpful, answered my 1000s of questions and handled any issues that us and the mortgage company throw their way. Helen was excellent and getting in touch with us to answer all our emails very quickly. Often well within an hour. We appreciate this so much! I would absolutely recommend them and use them again.

  • 5 star review on TrustPilotJasmine

Helen and Matt worked effectively and efficiently to achieve a mortgage deal for us. Highly recommend Mortgage Decisions and this team for keeping in touch regarding the progress throughout.

  • 5 star review on TrustPilotCustomer

Thank you Matt Pickett, really thank you! Your support finding us the best mortgage out there cannot go unnoticed. We plan to use your services for many years to come!

  • 5 star review on TrustPilotAlvaro

Jon and Mark at Mortgage Decisions were really useful. They have made the mortgage process as simple for us as possible, and have been very good at responding to emails/calls etc, ensuring the process has run smoothly.

  • 5 star review on TrustPilotAndy