The Property Podcast
Mortgage Market Update – May 2025
May 22, 2025
In this insightful discussion, mortgage expert Kelly Rule from Serious Property Finance shares her expertise on the current mortgage market landscape, emphasizing the recent base rate cuts. She highlights how these changes are creating opportunities for both new and seasoned investors. Kelly explores the increased competition among lenders, the various mortgage products being favored, and successful investment strategies. Additionally, she debunks myths surrounding buy-to-let mortgages and offers advice on navigating this evolving financial terrain.
41:32
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Quick takeaways
- The recent cut in interest rates presents both opportunities and caution for property investors, with varying lender competitiveness influencing mortgage conditions.
- Mortgage brokers must adapt to a complex environment where fee structures significantly impact overall costs, requiring better client education on total borrowing expenses.
Deep dives
Current Mortgage Market Trends
Interest rates have recently been cut, causing fluctuations in mortgage rates, which have created a mixed bag of opportunities for property investors. The reduction in base rates is seen as a potential catalyst for improved mortgage conditions, although many lenders have already included these expectations in current pricing based on swap rates rather than an immediate influence on fixed rates. The market reflects a cautious optimism as significant discounts and more favorable conditions become available due to an increase in lenders and competitive rates. Despite this, general sentiment remains tepid, indicating that many investors may be hesitant to engage even though conditions are improving.
