Mortgage Market Update: Recent Episodes

Richard Campo

Rose Capital Partners takes the time to understand your goals to secure the best mortgage deal on your behalf. Our aim is to maximise your borrowing potential, if that's your goal, minimise your monthly payments wherever possible, and will always work with you throughout the life-cycle of the loan to manage down the debt. Clients are treated as a valued customer, not a transaction, and dealt with by an experienced empathetic person, not an algorithm. We have access to the most competitive deals and with no affiliation to third parties, we will always act in the best interests of our clients.

In this episode, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when coming to arrange a Buy To Let mortgage:1) How much can you borrow2) How much deposit do you need3) How much will it costTo find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcasthttps://rosecp.co.uk/mortgages/buy-to-let-mortgages/

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In this podcast, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when coming to arrange a mortgage as a High Net Worth Borrower1) Income Definition2) Asset Defintion3) Minimum Loan SizeTo find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcasthttps://rosecp.co.uk/high-net-worth-m...

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In this video, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when looking to arrange an Interest Only Mortgage1) How much can I borrow2) How much will it cost3) What fees do I have to payTo find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcasthttps://rosecp.co.uk/interest-only-mo...#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #homemove #InterestOnly

In this months market update we cover off:- Are interest rates stabilising?- What product is best to take right now?- In depth look at market dataSo for all that and more, we hope you enjoy our Mortgage Market Update and if you need assistance, please do get in contact on the details belowhttps://rosecp.co.uk/contact-us/#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

This week, we look back over the key themes in May and how the rest of the year may shake out. Also, maybe why we are rubbish on Social Media, but we look back over (very) long term trends to get better context on the market. Key points looked at are:

· Mortgage Rates Continue to Rise

· House Prices Reach Record new highs (again)

· The Best Mortgage Rates and Money Markets

· How we digest this data to get your mortgage paid off faster!

So for that, a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

This week, we are joined by the vivacious Hilary Banks, Head of Sales at Guardian to talk over all things Life Cover. On the surface, that may seem very simple, but as we talk over, it can get complicated very quickly. Especially if you have larger assets or more complex affairs. The main topics we talk over are:

· As we are primarily looking at our clients from a mortgage perspective, getting life cover in place is easy surely?

· Where do you see advisors get this part of the process wrong?

· Should all policies to written into Trust? And if so, how do Wills then tie into this process

· Should clients use this as an opportunity to look at their wider affairs (Family, IHT etc) rather than just focusing on the mortgage?

So for that, a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #lifeinsurance #protection #trusts #wills

Off the back of the UK seeing the highest rate of inflation for 40 years, this week, Richard Campo, Founder of Rose Capital Partners, the mortgage advisors, talks over what we are seeing in the following areas:

House price inflation, which is now 9.8% according to the ONS
Lenders are pulling their products and increasing pricing faster than ever
Lenders are tightening affordability if you have debts and kids, which means some people can not borrow as much as they thought

So for that, a lot more, but crucially - how you can still win in this very turbulent market? We hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover #inflation

This week we are joined by the engaging and extremely well tailored Peter Izard, Head of Intermediary Mortgages for Investec.

We have a wide ranging conversation about high net worth clients, large loans and more complicated situations, but specifically cover the main points below:

What is it you are looking for in a mortgage client from a Private Banking perspective?
How does the Private Banking lending approach differ from High Street lenders?
What would your top tips(s) be for anyone who wants to take out a mortgage in this area?

So for that and a lot more, we hope you enjoy the update

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Following the Bank of England’s rate rise in May, Nick Plappert, Director at Rose Capital Partners joins Richard Campo to talk over the main issues in this area, such as:

Following the Bank of England taking rates from 0.75% to 1%, how high do you think rates will go? And over what timeframe?
Have we seen lenders change many products off the back of this?
Is it just the BoE pushing up mortgage rates or are there other factors at play?
Has this affected lender criteria in any way or is there still appetite to lend?
There is a lot of talk of recession now, even if that happens, do you think that will directly impact house prices or mortgage lending?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

This week we review the month of April and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are:

UK Base Rate and Mortgage Rates On The Rise
House Prices Reach Record Levels Again
Lenders Love Higher Earners
Money Market & Mortgage Rates

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

This week we talk to Jerome Fick, Mortgage Expert at Rose Capital Partners, to talk over all aspects of Interest Only mortgages, which is a very complex and sometimes risky area. In the conversion we discuss the below points and a few case studies:

What is an interest only loan?
Why do clients want a loan this type of lending?
What is the qualifying criteria for this?
How does this fit within our principle of getting our clients debt free?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #interestonlymortgage #interestonly

This week we talk to our resident Protection Expert, Molly Dunn, on why it is so important to ensure you have adequate protection for your mortgage, why everyone needs cover and why we deny the numbers in this area. Key topics we discuss are:

Why do clients need protection?
What forms of protection are generally relevant to people?
What if you have existing cover?
What if I have cover through work?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #mortgageprotection

This week we look at what info First Time Buyers should know when they come to get a mortgage with Joanna Ziou, Mortgage Expert at Rose Capital Partners. She also talks over a recent case study and also covers areas such as:

Who qualifies as a first-time buyer?
How much deposit does a first-time buyer need?
What benefits do first-time buyers get?
What is the average age of a first-time buyer?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer

This week we review the month of March and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are:

UK Base Rate and Mortgage Rates On The Rise
House Prices Reach Record Levels Again
Lenders Love Higher Earners
Money Market & Mortgage Rates:

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #firsttimebuyer #remortgage #homemover

This week we look at top tips when you come to remortgage with Paul Asare, Mortgage Expert at Rose Capital Partners. He also talks over a recent case study and also covers areas such as:

How do I remortgage my house?
What is needed to remortgage?
Can you do a remortgage yourself?
How much deposit do you need to remortgage?

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #remortgage

This week we look at how to get a mortgage if commission is a large feature of your income, with Bethany Smith, Mortgage Expert and resident ray of sunshine at Rose Capital Partners. She also talks over a recent case study and also covers areas such as:

How lenders treat commission income
How to maximise your borrowing in the area if you need too
The most commonly asked questions in this area

So for that and a lot more, we hope you enjoy the update

link

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #commission

This week we look at how to get a mortgage if you a complex income, with Jerome Fick, Mortgage Expert at Rose Capital Partners, who also talks over a recent case study. This will typically include people who are - self employed, working on a contract, have variable income, vesting stocks, carry, and even large bonuses or commission.

We also cover areas such as:

What a complex income actually is when looking at mortgages
How to find the right solutions when recommending lenders
The most commonly asked questions in this area

So for that and a lot more, we hope you enjoy the update

https://youtu.be/n8nfoMk6YCw

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage #selfemployed #contractor

Wow, what a month it was! After a calm January heading into what looked like a world getting back to ‘normal’, we are then on cusp of the largest military campaign since 1945. These truly are uncertain times.

So in such uncertain times, we try our best to make sense of it all and how you ride out the storm.

Key topics discussed are:

How will the conflict in Ukraine affect the UK Mortgage Market?
Will there be an impact on the UK Property Market?
What is the outlook now for Interest Rates?

So for that, the best mortgage rates, money market & housing data, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage

This week we look at how to get a mortgage if you get bonus income in more detail with Mike Brooker, Mortgage Expert at Rose Capital Partners, who also talks over a recent case study. We also cover areas such as:

How different banks view bonus income
How much you can expect to borrow factoring in your bonus
How complex income such as Carry, Vesting stock and investments are assessed

So for that and a lot more, we hope you enjoy the update

https://youtu.be/WuO2lBpj2Oc

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans #BonusIncomeMortgage

This week we look at large loans in more detail with Nick Plappert, Director at Rose Capital Partners, who also talks over a recent case study

We also cover areas such as:

Treatment of bonus income
How complex income such as Carry, Vesting stock and investments are assessed
High Street vs Private Bank lending

So for that and a lot more, we hope you enjoy the update

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans

When you are looking to raise money for home improvements, there are 3 main aspects you need to consider:

Level of equity in your property
Ability to borrow the money = affordability
What type of work is being done

For a detailed look at the above areas, plus the best mortgage rates and a lot more, we hope you enjoy our weekly market update

You can also read the Ideal Home article Richard was quoted in on this subject here - https://www.idealhome.co.uk/property-advice/remortgaging-to-release-equity-301552

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans

This week we look at:

What impact has/will the base rate increase have on mortgage products and criteria?
Is there now an affordability squeeze?
Is the London property market coming back?

For that, the best mortgage rates and a lot more, we hope you enjoy our weekly market update

You can also find out more on Jack Monroe's work here - https://www.bbc.co.uk/news/business-60140858

#mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans

We explore the challenges for non-UK nationals and UK nationals abroad seeking a mortgage.

Can an EU citizen get a mortgage in the UK?

Can I get a UK mortgage if I am paid in Euros?

Can I get a mortgage without a UK passport?

Can a non UK resident get a mortgage in the UK?

This week we look at how rising inflation is changing the expectations of where interest rates may go this year, and what knock-on impact that will have on mortgage pricing.

So for that, the best mortgage rates, and a lot more, we hope you enjoy our weekly market update.

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This week we're going to talk through a little bit about the upsides of inflation, and why inflation decreases costs in real terms, one of my favourite economics terms.

It's one of these symbiotic relationships in economic terms. The thing that triggered this thought is that GDP is now above pre-pandemic levels, what that means in the context of the very high inflation we have is in the UK right now, and then ultimately, where that will take us with mortgage interest rates.

Market Update – edition 358

Subject:

• End of LIBOR

• Introduction of SONIA

• Discounted Rates and why they trick best buy tables

Discounted Rates:

Look closely at

o When was the lenders SVR changed

o What is it linked too

o Does this suit your risk appetite if it is the cheapest rate? (better to fix?)

End of Libor

Why LIBOR ended

o In 2012, many major banks were implicated in a LIBOR rigging scandal -, including Deutsche Bank (DB), Barclays (BCS), Citigroup (C), JPMorgan Chase (JPM), and the Royal Bank of Scotland (RBS).

o Therefore LIBOR will be phased out by 30th June 2023, with SONIA introduced for one week – two month from 31st Dec 2021, so you will see this as a benchmark from now on

How does this impact mortgages?

o Very limited. Only really Private Bank, Development, Commercial and some Buy To Let deals tend to be linked directly to LIBOR. For the vast majority of mortgages, The Bank of England Base rate has been the main indices for variable rates for some time

Discounted Rates

For more common that banks link mortgages to their own SVR (Typically between 3-5%)
Lenders set their own variable rate and do not have to follow the BoE, but typically do
Therefore a Discounted mortgage is a reduction off this for a period of time, typically 2 years

o Why is this so important? In a rising interest rate environment these deals often top Best Buy tables, but that can be as

 The lender hasn’t updated their SVR yet

 Also there is a risk that may go higher than the BoE

 This is why we aren’t a fan

Market rates:

Jan 6th change Term

1.428% 0.139% 5 year SWAP

1.351% 0.141% 2 year SWAP

0.483% 0.244% 3 mth LIBOR

0.25% 0.000% BoE

Best Rates:

2 Year Variable from 0.99% (discount from H&R, Tracker NW)

2 Year Fixed Rates from 1.09%

5 Year Fixed Rates from 1.37%

BTL Rates from 0.99%

The actual rate you will be offered will be dependent on your personal circumstance and deposit level. Please speak to one of our advisers so that they can guide you through this process

Source: Twenty7Tec January 2021

We are back! By popular demand, the weekly mortgage update is back in your life. To kick off the year, we are reviewing 2021 and how that will affect the key themes in 2022. Specifically in relation to:

Interest Rates
Mortgage Lending
Property Prices

Rose Capital Mortgage Brokers in London are one among the best. Our Mortgage Advisors in London offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

When you set out to buy a home with income from more than one source, securing a mortgage may not be as straightforward as you might think. While there isn’t a standard definition for what constitutes ‘multiple incomes’, if you have more than one income source, this video will help you understand key aspects of achieving a mortgage. Richard Campo, Managing Director of Rose Capital, shares his experienced views on what you should know before planning a mortgage with multiple or complex income streams.

Reach out to us at Email: info@rosecp.co.uk Phone no: 0207 935 7866

Achieving a mortgage based on your investment income - it's a question many of our clients ask us. In this video, Richard Campo, Managing Director of Rose Capital Partners, explains the below:

✅ Finer details of investment income mortgages

✅ How lenders assess your investment income

✅ How much you can borrow over investment returns.

Reach out to us at Email: info@rosecp.co.uk Phone no: 0207 935 7866

As you need an income to get a mortgage in the first place, making sure you also get an income if you can’t work because of an injury or illness is vitally important. As the broadest type of protection there is, we talk over why we are such a fan of this cover.

In this video, Richard Campo of Rose Capital Partners shares key facts on Income Protection, so you make an informed decision when it’s time to make a choice.

What are your essential takes from this video?

✅ What is Income Protection?

✅ Who needs it?

✅ Why do you need it?

✅ How is it calculated?

✅ Types of health conditions it covers

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

With our income protection insurance, we work with you until the mortgage is paid off. Our income protection policy offers solid income protection benefits.

Understanding the finer points of life cover when you’re getting a mortgage is important because the protection is not for you but ensures your family’s financial wellbeing in the event of life’s uncertainties. Richard Campo of Rose Capital Partners offers valuable insight into Life Cover and what it could mean for your family when you take out a mortgage. Here are your key takeaways in this video:

✅ Why do you need Life Cover when getting a mortgage?

✅ Effective planning for your family’s financial wellbeing

✅ Different types of life cover

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

Keep your family safe from debt with life cover mortgage protection. Call us now for the best life cover insurance for your lifestyle and budget.

Life is unpredictable, therefore it is essential that you have the protection to support your financial freedom. The reason why we think critical illness protection is so important is that it sits with our core value of working with our clients until they’re mortgage-free.

Your essential takeaways:

✅ What is critical illness cover?

✅ Why it plays such an important role in your overall financial planning

We work with mortgage providers to offer a range of mortgage critical illness cover to suit every budget. Call now for the best critical illness protection.

As lenders start to get more competitive, and undercut each other for both policy and pricing, this week we look at the hot areas and how you can benefit from this:

🟣 Mortgage Rates Hit All Time Low

🟣 Mortgages With Smaller Deposits More Accessible

🟣 Lenders Increase Appetite For Larger Loans

So for all this, a round up of the best mortgage rates, and more, we hope you enjoy the update

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

bestmortgagerates #mortgageadvice #mortgagebroker #mortgageadvisor #mortgages #mortgagenews #largemortgageloans #mortgagegoals

Understanding the finer points of life cover when you’re getting a mortgage is important because the protection is not for you but ensures your family’s financial wellbeing in the event of life’s uncertainties. Richard Campo of Rose Capital Partners offers valuable insight into Life Cover and what it could mean for your family when you take out a mortgage.

Here are your key takeaways:

✅ Why do you need Life Cover when getting a mortgage?

✅ Effective planning for your family’s financial wellbeing

✅ Different types of life cover

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

Keep your family safe from debt with life cover mortgage protection. Call us now for the best life cover insurance for your lifestyle and budget.

Life is unpredictable, therefore it is essential that you have the protection to support your financial freedom. The reason why we think critical illness protection is so important is that it sits with our core value of working with our clients until they’re mortgage-free.

Your essential takeaways:

✅ What is critical illness cover?

✅ Why it plays such an important role in your overall financial planning

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

We work with mortgage providers to offer a range of mortgage critical illness cover to suit every budget. Call now for the best critical illness protection.

When you have an income that’s not standard every month, it’s naturally a challenge to understand how much you can borrow and how the lender will calculate your eligibility for the mortgage. In this short video, Richard Campo, Managing Director of Rose Capital Partners, shares his expert insights on securing a mortgage using commission income.

So what are your key takes in this video?

✅ How do the lenders view this type of income?

✅ What can you expect when trying to secure a mortgage?

Discover which commission income mortgages you qualify for and secure your best commission income mortgage plan through Rose Capital’s streamlined process.

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

RoseCapitalPartners #CommissionIncome #Mortgage #commissionincomemortgages #LifeGoals #BuyToLetMortgages #MortgageGoals #Uk

Understanding the finer points of life cover when you’re getting a mortgage is important because the protection is not for you but ensures your family’s financial wellbeing in the event of life’s uncertainties. Richard Campo of Rose Capital Partners offers valuable insight into Life Cover and what it could mean for your family when you take out a mortgage. Here are your key takeaways in this video:

✅ Why do you need Life Cover when getting a mortgage?

✅ Effective planning for your family’s financial wellbeing

✅ Different types of life cover

Keep your family safe from debt with life cover mortgage protection. Call us now for the best life cover insurance for your lifestyle and budget.

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

This week we talk over the positive impact of getting back to the office (and School for many of our kids!). Main topics this week are: - Rental income on the rise in London - Sales now talking 16 weeks to complete - Market rate updates So for that, and more, we hope you enjoy our weekly

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

mortgagenews #mortgageadvice #mortgageadvisor #mortgagebroker #bestmortgagerates #mortgages #interestrates #buytolet #rentalincome

In short, yes. Using trust income as your primary or secondary income source for a mortgage can be straightforward with the right approach. But many brokers and lenders are not aware of this complex area. In the insightful video, Richard Campo of Rose Capital Partners helps you understand:

✅ What falls into the Trust Income category

✅ How banks will assess income from trusts

✅ How that determines the sort of loan they might offer

✅ How much can you borrow?

Reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

Trust income mortgage lending guidance & solutions from a dedicated team of mortgaging brokers with deep industry expertise. Arrange a free consultation today.

This week, we talk over the below points, but first, we did have a charity drive for our friends at Hand In Hand International. Please see the link below and we would be honoured if you could suport them as 4 of us ran the Vitality Half Marathon today!

But for all you mortgage fans, we still have our usual round up of mortgage news, which covers:

New Exclusive Products we have access too
Market Rate Update
Best Mortgage Rates

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Hope you enjoy your weekly dose of #mortgagenews

mortgagebroker #mortgageadvisor #mortgagegoals #vitalitybighalf #bestmortgagerates #mortgages

This week we have a detailed look at why this trend of house prices may last for some time yet, which covers:

Supply and Demand issues
House Building and why that has been wrong for nearly 30 years
Herd mentality is taking hold

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

For that, plus a detailed look at market and mortgage rates, this is your weekly mortgage news

mortgagenews #marketupdate #mortgages #mortgagebroker #mortgageadvisor #mortgageadvice #propertymarket #houseprices #interestrates #mortgage

This week we look at:

The Best Mortgage Rates fall again!
Bank of England Hold Rates and QE
Rents on the rise

Plus market rate data and our usual spin on the week

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

bestmortgagerates #mortgagenews #mortgageadvice #marketrates #mortgages #mortgageadvice #mortgagebroker #mortgageadvisor #mortgage #mortgagegoals

This week we look at:

Mortgage Rates fall further still
Lenders reward people for going green
Housing Market hots up both on price and competition

For that and a lot more, we hope you enjoy this week's #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgage

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week we talk about:

The best mortgage rates getting to their lowest ever level
House Sales break all times records in June
Good news for properties with cladding
Look at market rates and best mortgage rates

For that, and more, we hope you enjoy this weeks update #bestmortgagerates #mortgageadvice #mortgageadvisor #mortgagebroker #mortgage #mortgages #mortagenews

Richard Campo, Founder of Rose Capital Partners, talks over what you can expect when you come to arrange your mortgage with them.

For your personalised mortgage advice, reach out to us at

Email: info@rosecp.co.uk

Phone no: 0207 935 7866

Contact our dedicated team of mortgage brokers in London, UK. Drop by our office, call us or fill out our contact form to arrange a free mortgage consultation.

Are you self-employed and looking to arrange a mortgage? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ How to avoid wasting your valuable time and energy

For that, and a lot more, watch the video which we hope you find useful.

Reach out to us at Email: info@rosecp.co.uk Phone no: 0207 935 7866

Our brokers specialize in self employed & complex mortgages. We’ll actively guide you towards getting a UK self employed mortgage. Arrange a free consultation.

This week, we talk about the changing mood in the Bank of England around interest rates and what impact that will have the best mortgage rates. We are also seeing Rents start to increase and look at the trends around this. Plus as always, a look at what that all means for the mortgage world #bestmortgagerates #mortgageadvice #mortgageadvisor #mortgagebroker #mortgagenews #interestrates #inflation #moneymarkets

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

It's impossible not to talk about it! So we look forward to the England game with some nostalgic thoughts. This week we also look at some interesting mortgage topics such as

- #bestmortgagerates are now at the lowest EVER

- #houseprices also reach record highs

- #interestrates also make some interesting moves perhaps due to #inflation

For all this and more, we hope you enjoy our weekly #mortgagenews #mortgagebroker #mortgageadvice #mortgageadvisor

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Are you looking to use your bonus income to get a mortgage? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ Work out how much you can borrow

Bonus income mortgages from Rose Capital. Paid in shares? Variable bonuses? Trustworthy advice no matter the complexity of your income. Arrange a consultation.

Following hot on the heels of England's success at the weekend, the mortgage market also seems bouyed by the result!

This week we look at:

Inflation on the rise and the dilema that poses the #bankofengland- #houseprice rises outstripped the saving on stamp duty
BestMortgageRates down again! Also, LTV's up

So for that, and a lot more ,we hope you enjoy our weekly #MortgageNews #mortgagebroker #mortgages #mortgageadvice #mortgageadvisor

This week we look at what impact inflation may have on #interestrates following the #bankofengland meeting last week. We also talk over what the likely impact will be of #mortgage lenders loosening their criteria and ultimately how that will affect the #bestmortgagerates #new #mortgagenews #mortgageadvice #mortgagebroker

This week we look at house prices in great detail and why we are unlikely to see negative equity anytime soon. also, inflation is on the rise so what impact will that have? #mortgages #mortgagenews #interestrates #logic

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Are you an Ex-Pat and looking to get a mortgage in the UK? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ Talk through the technicalities so you don’t get caught out

Are you seeking a UK expat mortgage? Our expat mortgage brokers have deep industry expertise and proven processes to help you secure your best mortgage plan.

This week we look at the duality of the best mortgage rates getting even lower (now from just 0.95%!), while it being even more difficult to get deals through. we also look at the increased disparity in supply and demand following a report from RICS (Royal Institute of Chartered Surveyors). For all this and more, we hope you enjoy the podcast #mortgages #mortgagenews #bestmortgagerates

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Are you a company director and looking to get a mortgage? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ Ensure you don’t waste your time with lenders that may not be suitable

For that, and a lot more, listen to the podcast which we hope you find useful.

Company Director Mortgages from Rose Capital Partners. Get tailored advice and information on limited company directors mortgage from our specialists in the UK

Are you looking to get a mortgage and the rental income in the assessment? If so, in this video we cover off:

✅ The Definitions of Rental Income

✅ How the assessment works

✅ What type of loan you may be offered

For all this, and more, we hope you find this podcast useful.

Brokers with vast experience in helping landlords maximise their portfolio’s profitability. We advise on & identify top UK buy to let & rental income mortgages.

Do you receive income which is not in Sterling and looking to get a mortgage? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ Talk through the technicalities so you don’t get caught out

For that, and a lot more, watch the video which we hope you find useful.

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week we talk about the last part of our series on how lending works. This time we focus on - Collateral - Meaning what role the property plays in getting a mortgage. We also talk over all the weeks mortgage news, market leading rates of 0.99%, soaring house prices and everything else you need to know.

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week we look at deals that just refuse to die! (or get offered in our world) We also take a look at the change in trends in Rental Yields, touch on the second part of our series on Lending - Commitment and of course, look at the best mortgage rates you can currently obtain. For that, and more #mortgagenews, we hope you enjoy your update #mortgages #mortgagebroker #mortgagegoals

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Are you a Contactor and looking to get a mortgage? If so, you may be unaware of some complicated rules that may apply to you. So here, we have:

✅ Outlined what the rules are and how they apply

✅ Discuss how to get the best outcome for you

✅ Ensure you don’t waste your time with lenders that may not be suitable

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week, on top of the usual #mortgagenews, #bestmortgagerates & an update on #houseprices. We also talk over one of the 3 C's that make up #mortgage lending. This week we talk over "Capacity", which you can click here

Rose Capital Partners Mortgage Advisor London are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week we look at why lenders are reporting huge decline rates, specifically for First Time Buyers, but we don't feel that should be the case. The Buy To Let Market looks very uncertain as findings from TMW have found.

We’ll explain how to get your best buy to let mortgage in the UK. Trusted advice and expert solutions from Rose Capital’s brokers. Invest the correct way today.

As Nationwide increased their lending rules to offer First Time Buyers up to 5.5 x their income, we have taken a look over:

✅ What is mortgage affordablity (how loans are granted)

✅ What are the upper limits of what you can do

✅ How the assessment changes for different lending types.

For this and more, enjoy your dose of weekly mortgage news.

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

This week we talk over

✅ a new 0.99% deal from a lender, plus 95% rates come down

✅ #FirstTimeBuyers now paying £73k more for a property post lockdown

✅ Money Markey Updates We are also really interested in how you are getting back into office life.

Are you staying at home? Spending some time in the office? or back in full time?

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Looking to move home? If so, in this video we talk over the main points from a mortgage perspective:

✅ How much can you borrow

✅ How much will it cost

✅ What options do you have

For that, and a lot more, watch the video which we hope you find useful. Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Contact: 0207 935 7866

Email: info@rosecp.co.uk

This week we celebrate Rose Capital turning 7 years old! Which also made me think about the craziness that has happened in the last 7 years. The main focus is on Banks closing branches and the changing nature of how poeple obtain financial products such as mortgages.

Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

The Stamp Duty Holiday Extension is very welcome but it is the mortgage guarantee scheme which will prove more valuable. Rose Capital London Mortgage Brokers are among the best. We offer expert financial advice & connect you with UK lenders across a wide range of mortgage services.

Looking for remortgage advise? Here are the 3 key considerations that most people will want to think about:

❓Do I just want to get the cheapest deal?

❓Is it a good time to look at restructuring the loan?

❓Do I want to borrow more money?

In this podcast, we look at those 3 main points and what else you may want to think about when remortgaging

Taking the first steps to owning your first home is an exciting time, but it can also be a confusing process. We’re here to answer your questions and help achieve your First Time Buyer mortgage goals. Firstly, when looking for a First Time Buyer Mortgage, you’ll want to know

This week we look at the 5 key areas that could define the market this year, which we think will be:

1 - House Prices

2 - Mortgage Product Availability

3 - LTV Increases (banks lending to people with smaller deposits)

4 - Affordability Easing (banks lending more vs your income)

5 - Lender processing delays

Please do watch the video so you can learn our take on things. To sign up for the email version of this update, you can do that here - https://www.rosecp.co.uk/news/