The Property Podcast Mortgage Market Update - August 2025
21 snips
Aug 28, 2025 Kelly Rule, a Senior Associate at Sirius Finance, shares her expertise on the current mortgage market. She predicts potential rate cuts and discusses the resurgence of 80% LTV mortgages. Investors looking for tailored options can benefit from innovative products like cashback incentives. Kelly also explains 'further advances' and the recent shifts in property valuations, providing key insights for adapting investment strategies in this evolving landscape. Her top advice emphasizes careful planning to navigate the current challenges.
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Market In Positive Transition
- The market is in a positive transitional phase after Bank of England rate cuts and easing inflation.
- Lenders remain cautious so fixed-rate pricing is still heavily influenced by swap rates.
Plan For One More Rate Cut
- Expect another base rate cut before year-end and plan accordingly.
- A cut into the 3% range would shift market psychology and likely stimulate activity.
Fixed Rates Stay Dominant As Lenders Innovate
- Fixed-rate products remain the most popular choice for risk-averse buy-to-let investors.
- Lenders are innovating with longer fixes, cashback offers, and green mortgage discounts.