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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...

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...

MORTGAGE MATTERS – JULY

Date: July 2024 With a new Labour government and greater political clarity, coupled with the real prospect of Bank of England rate cuts on the horizon, confidence is returning to...

MORTGAGE MATTERS – JUNE

Inflation fell to just 2.3% in the 12 months to April 2024, close to its 2% target (ONS). As the economic outlook improves, consumer confidence in May reached its highest...

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Absolutely fantastic from start to finish. Megan was our advisor and took us through every step. Both Megan and Helen are extremely knowledgeable and have been very patient with us while we’ve been buying our first home. I would certainly recommend Mortgage Decisions to anyone!

  • 5 star review on TrustPilotConnor

Simon has been great, really in-depth advice and only ever a phone call away. We would highly recommend !

  • 5 star review on TrustPilotSam

The process of securing a mortgage was made very swift and painless by Gavin & Helen at Mortgage Decisions. Very responsive & helpful at every stage. Thank you for making this potentially stressful process quick and easy.

  • 5 star review on TrustPilotRob

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

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