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We have now seen lenders with 0.95% two-year fixed rate mortgage at 60% loan to value (LTV). This is the first sub 1% deal for five years, highlighting the level of competition in the market, and lenders continuing appetite to lend.

Due to the continued effects of the COVID pandemic lenders are requiring even more detailed information in relation to individual’s income and working situations. This makes the role of a broker vital to ensure mortgage applications are correctly submitted. “Go it alone buyers” are more likely to have the mortgage applications declined, due to income not being accepted or new niche lender restrictions/ criteria. Let me know if you need help to arrange a mortgage!