Money Box Mortgages, Silver Marriages and Warren Buffett
Jan 17, 2026
Dan Whitworth, an investigative reporter, discusses the rise in later-life marriages due to inheritance tax changes. Sally Mitchell, a mortgage broker, shares insights on current mortgage rates and how relaxed rules are helping first-time buyers. Charlie Newsome, a Warren Buffett fan and wealth manager, delves into Buffett’s investment principles and the excitement of his shareholder meetings. The conversation also touches on potential implications of new policies for finances and pensions, making for an engaging blend of personal finance and life changes.
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Rate Cut Already Reflected In Deals
- The Bank of England cut base rate to 3.75% and lenders had already started lowering mortgage fixes in anticipation.
- Average two-year and five-year fixes remain near 4.88% but some deals are available around 3.5–3.7% for eligible borrowers.
First-Time Buyers Should Shop Around
- First-time buyers are currently the group driving the housing market and face more product choice.
- Consider shopping around as innovative, flexible products and relaxed stress tests may help eligible buyers get mortgages.
Later-Life Lending Growing Role
- The Financial Conduct Authority plans to consult on changes to lending rules to help self-employed and later-life borrowers.
- Later-life lending has heavy legislation but benefits and protections make housing wealth important for retirement planning.
