Mortgage Rates - Recent Developments
Marketing Manager
Keep up to date with the latest properties, rural business insights, market commentary and events:
Join mailing listCharlie Huxley, the founder of Huxmor Limited, discusses the recent developments in mortgage rates. While the changes may not be dramatic, they create a vital opportunity for homebuyers and landlords to take decisive action and leverage on strategic advantages.
Butler Sherborn has partnered up with HUXMOR limited on numerous projects - HUXMOR Limited is an independent mortgage brokerage who like us, offers the highest level of service for clients.
Charlie Huxley, Founder of HUXMOR, spent his early career in professional sports before transitioning into the financial services industry. This unique background has allowed him to bring essential values and practices from his previous career into the company’s core ethics and principles.
Charlie’s mission : “Our goal is to be an industry leading mortgage broker. We strive to do this by offering the best-in-class advice and an end-to-end service for our clients. At HUXMOR we support and guide our clients through their mortgage process, building long lasting professional relationships”
Market update:
Mortgage rates in the UK are showing cautious signs of easing as we head into the second half of 2025. The Bank of England has trimmed its base rate to 4.25%, down from last year’s peak of 5.25%, and while lenders remain wary, some are beginning to offer two-year fixed deals just under 4%—especially for borrowers with strong equity.
- Forecasts suggesting a gentle downward trend if inflation continues to cool. For landlords and homebuyers alike, this could be a window of opportunity. While we’re not expecting a dramatic drop, analysts predict further base rate cuts by year-end, potentially nudging mortgage rates firmly below 4%
- It’s still a market that rewards preparation and timing—so whether you're refinancing or expanding your portfolio, now’s a great time to review your options.
HUXMOR can arrange finance for various scenarios including:
• Residential mortgages
• Buy-to-let mortgages
• Short-term finance
• Re-financing of existing arrangement
onto more efficient and structured products
• Agricultural finance
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE - HUXMOR Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy-to-let and commercial mortgages.
Charlie Huxley, Founder
T: 01367 700080
E: charlie@huxmor.com
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