Mortgage In Old Age

No Deal Brexit Interest Rate Rises

Published / Last Updated on 26/11/2018

Will a no deal Brexit may weaken the pound, driving prices and inflation up and then present a real risk of interest rate rises? This will impact on both mortgage payments and also your rent, if your landlord has to also increase costs.

Related Videos

FCA Mortgage Stress Tests & High LTI Lending: 2025/2026 Update

FCA Mortgage Stress Tests & High LTI Lending: 2025/2026 Update

Overview The FCA and PRA are reviewing mortgage affordability rules introduced after the 2008–2009 credit crunch.The aim: improve access to mortgages, especially for first‑time buyers, while maintaining responsible lending. 1. Mortgage ...

1m15d

Mortgages

Aged 18-39? Not an Idiot? Open a Lifetime ISA Now for Just £1 Before It's Too Late

Aged 18-39? Not an Idiot? Open a Lifetime ISA Now for Just £1 Before It's Too Late

What is a Lifetime ISA? The Lifetime ISA (LISA) was introduced by the Conservative government in 2017. You can open an LISA between ages 18 and 39 and are allowed ...

4m12d

Mortgages

Mortgages with Poor Credit Rating, Adverse Credit, Bad Debt or Bankruptcy

Mortgages with Poor Credit Rating, Adverse Credit, Bad Debt or Bankruptcy

Many people get themselves into trouble with debt, for a variety of reasons, some from redundancy, disability, lack of work or relationship breakdown, others due to addiction such as ...

6m27d

Mortgages

Income Protection Accident Sickness and Unemployment Insurance

Income Protection Accident Sickness and Unemployment Insurance

You work to earn money. You use that money to: Pay your rent or mortgage. Pay your bills. Feed you and your children. Pay for transport and cars. Pay for Christmas and birthday presents. Pay ...

> 1y8m

Mortgages

Mortgage Help 2024 after Help To Buy Scheme Ended March 2023

Mortgage Help 2024 after Help To Buy Scheme Ended March 2023

There has been speculation this week that the government may introduce a 1% Deposit Mortgage Scheme for First Time Buyers in the Spring Budget on 15 March 2024. See: BTN_NAVYBLUE:9632 This ...

> 2y4m

Mortgages

Buy to Let and Furnished Holiday Let Mortgages

Buy to Let and Furnished Holiday Let Mortgages

Buy to let mortgages are exactly what the title states, you take on a mortgage to buy a property to let it out rather than live in it personally. ...

> 2y1m

Mortgages

How Much Can I Borrow On A Mortgage?

How Much Can I Borrow On A Mortgage?

There is no simple answer to the question of how much you can borrow on a mortgage. In the 60s, 70s and 80s it used to be that most ...

> 2y1m

Mortgages

Should I Get a Fixed Rate Mortgage?

Should I Get a Fixed Rate Mortgage?

We are frequently asked whether to go for a fixed rate mortgage or variable or discount or tracker rate. The answer to this question is a personal one based upon ...

> 2y1m

Mortgages

What is a Let to Buy Mortgage?

What is a Let to Buy Mortgage?

The clue is in the title for a let to buy mortgage. You let your existing property with a mortgage on it and use the mortgage to release capital ...

> 1y11m

Mortgages

40 Year Mortgage Term v 25 Year Mortgage Term

40 Year Mortgage Term v 25 Year Mortgage Term

Given higher mortgage interest rates and high property prices, many people are struggling to get on the property ladder with mortgage affordability and many existing borrowers are struggling with ...

> 2y6m

Mortgages

Should I Fix My Mortgage Rate Now?

Should I Fix My Mortgage Rate Now?

11 years ago, Bank of England base rates were low at 0.5% pa, a legacy of getting UK ticking again after the Credit Crunch Crisis of 2008/09. Therefore, mortgage ...

> 1y8m

Mortgages

Sickness or Redundancy and State Help on Mortgage Payments

Sickness or Redundancy and State Help on Mortgage Payments

Got a mortgage? Going through or expecting to go through the pain of higher mortgage interest rates shortly? What if you were in an accident? What if you are off ...

> 2y11m

Mortgages

10 Tips to Manage Mortgage Rate Increases

10 Tips to Manage Mortgage Rate Increases

The average 2-year fixed rate mortgage deal is now over 6% pa. Millions of mortgage payers are already struggling with payments and are worried about the 12 consecutive Bank ...

> 2y11m

Mortgages

Deposit Unlock New Build Scheme As Help to Buy Ends

Deposit Unlock New Build Scheme As Help to Buy Ends

The Help to Buy Scheme ends in England in March 2023 for purchase completions where latest applications had to be in by was October 2022. In Scotland the Help ...

> 3y3m

Mortgages

Pay Early Redemption Fees to Get Fixed Rate

Pay Early Redemption Fees to Get Fixed Rate

Mortgage lenders have reported an increase in numbers of borrowers who are prepared to pay early redemption charges to get out of existing mortgages to lock into new fixed ...

> 3y5m

Mortgages

Impact of Higher Mortgage Rates

Impact of Higher Mortgage Rates

The Bank of England Monetary Policy Committee announced today that base rates will increase by 0.50% to 1.75% pa on 4 August 2022. This is not to be ignored given ...

> 3y10m

Mortgages

50 Year Mortgage Cheaper or Huge Interest Payments?

50 Year Mortgage Cheaper or Huge Interest Payments?

The government is consulting on allowing mortgage terms of up to 50 years. This is common in several countries around the world and the UK is considering allowing them ...

> 3y10m

Mortgages

First Time Buyer Low Deposit Mortgage Insurance Scheme

First Time Buyer Low Deposit Mortgage Insurance Scheme

Michael Gove, Secretary of State for Levelling Up and Housing has proposed a new deposit insurance guarantee scheme to make first time buyers and other low deposit, high loan ...

> 4y

Mortgages

Fixed Mortgage Rates Record Low

Fixed Mortgage Rates Record Low

Over the last few weeks we have seen fixed rate mortgages hit record low rates and even falling below 1% pa at one point. Added to this is that ...

> 4y6m

Mortgages

Remortgage Free Legals v Cash Back

Remortgage Free Legals v Cash Back

Research by data analysts CACI has estimated that the UK remortgage market could be worth in excess of £180bn this year, meaning remortgage opportunities for lenders of £15bn to ...

> 4y6m

Mortgages

Tempted By Sub 1% Mortgage Rates?

Tempted By Sub 1% Mortgage Rates?

Given historically low interest rates, many banks and building societies over the last few weeks have launched 1% and sub 1% mortgage rate deals. On first glance they look ...

> 4y10m

Mortgages

How to Get on the Property Ladder

How to Get on the Property Ladder

Take a longer term mortgage over say 30 or 35 years. This will make initial mortgage payments more affordable and as you settle into your new mortgage you should ...

> 5y3m

Mortgages

Shared Ownership Step Ladder Just Got Easier

Shared Ownership Step Ladder Just Got Easier

New rules with effect from April 2021 for the Government’s Shared Ownership scheme make it easier for people to get on the property ladder. Rules Before April 2021 Minimum initial shared ...

> 5y8m

Mortgages

Government Explores Pension Early Access for House Deposit

Government Explores Pension Early Access for House Deposit

In a recent webinar, Pensions Minister Guy Opperman put a suggestion to the audience of finance professionals that the government is exploring ways for people to access their workplace ...

> 5y7m

Mortgages

Discount First Home Scheme Expansion

Discount First Home Scheme Expansion

First Home Discount Scheme - 30% discount of the price of a new homes for locals in an area - will go Nationwide. Available for Military veterans and key workers ...

> 6y3m

Mortgages

Refurbishment Buy to Let Mortgage

Refurbishment Buy to Let Mortgage

Have you ever watched ‘Homes under the Hammer’ or other property development, makeover or refurbishment shows? Ever fancied 'having a crack' yourself? Mortgage lenders are starting to become more innovative. ...

> 6y4m

Mortgages

Why Thousands Of Mortgages Are Being Rejected

Why Thousands Of Mortgages Are Being Rejected

Rental yields are again increasing faster than inflation as demand rises again for rental property. As an investor, are you tempted to dip a toe in? You should be ...

> 6y4m

Mortgages

Is This The End of Low Mortgage Interest Rates

Is This The End of Low Mortgage Interest Rates

The FCA is introducing the Single Easy Access Rate (SEAR) a standard minimum interest rate of savings similar to a Standard Variable Rate on mortgages. In addition, Banks and Building ...

> 6y5m

Mortgages

Is it Time to Remortgage as Fixed Rates Hit All Time Low

Is it Time to Remortgage as Fixed Rates Hit All Time Low

Figures released by Moneyfacts.co.uk November 2019 2 year fixed rate mortgages = average 2.4% pa - 12 mth low 10 year fixed rate mortgages = average 2.76% pa - All time ...

> 6y6m

Mortgages

Warning on Mortgage Procuration Fees Increase

Warning on Mortgage Procuration Fees Increase

Mortgage and Equity Release Procuration fees (mortgage commissions in all but another word) are on the increase. This is because the mortgage market has slowed down as the property market ...

> 6y6m

Mortgages

Help To Buy ISAs Stop In November 2019

Help To Buy ISAs Stop In November 2019

Help to Buy ISAs stop on 30 November 2019. There can be no new H2B ISAs after this date. Existing H2B ISAs taken out before this date can continue. You ...

> 7y1m

Mortgages

Mortgage In Old Age Pensioner With Mortgage

Mortgage In Old Age Pensioner With Mortgage

Having a mortgage in old age or being a pensioner with a mortgage is worrying for many, but even more so if you have an interest only mortgage and ...

> 7y2m

Mortgages

Part Interest Only Part Repayment Mortgage

Part Interest Only Part Repayment Mortgage

We explore concerns on interest only mortgages and where people more to part interest only and part repayment mortgage to try and repay. Is there another way to ensure ...

> 7y6m

Mortgages

New Voluntary Code To Help Mortgage Prisoners With Mortgage

New Voluntary Code To Help Mortgage Prisoners With Mortgage

Are you trapped in your mortgage by new lending rules meaning you are a 'mortgage prisoner'? There is a new voluntary code agreed by UK Finance, Building Societies Association ...

> 7y10m

Mortgages

Convert Interest Only Mortgage to Equity Release

Convert Interest Only Mortgage to Equity Release

Interest only mortgage options for those that are trapped and cannot pay back the capital outstanding. New lifetime mortgage equity release with no income prrof required and can pay ...

> 8y

Mortgages

Cryptocurrency Bitcoin Mortgage

Cryptocurrency Bitcoin Mortgage

What are the chances of and the pros and cons of a cryptocurrency or bitcoin mortgage?...

> 8y1m

Mortgages

Buy to Let Top Slicing Mortgage

Buy to Let Top Slicing Mortgage

What is a Buy to Let Top Slicing Mortgage? The Mortgage Market Review (MMR) introduced not just an affordability test for mortgages but also a stress affordability test to ...

> 8y1m

Mortgages

Non Owner Occupier Buy to Let Mortgage

Non Owner Occupier Buy to Let Mortgage

Do you live in rented accommodation and want to buy a separate buy to let property with a buy to let mortgage? We explore non owner occupier buy to ...

> 8y2m

Mortgages

Mortgage Lender Panel Solicitors

Mortgage Lender Panel Solicitors

You need to check if your solicitors are on the mortgage lender's panel when applying for your mortgage. Solicitors not only do work for you but also the mortgage ...

> 8y2m

Mortgages

Buy to Let Mortgage Interest Tax Changes Affect Rental Cover

Buy to Let Mortgage Interest Tax Changes Affect Rental Cover

What effect has the buy to let mortgage interest tax changes on expenses for tax payers affected rental cover buy to let mortgages? The amount of Income Tax relief some ...

> 8y3m

Mortgages

Help to Buy Mortgage Time Bomb

Help to Buy Mortgage Time Bomb

There is a time bomb brewing for Help to Buy mortgages. 1st 5 years = Interest Free Government Loan (20% deposit). After 5 years = 1.75%pa + RPI + ...

> 8y4m

Mortgages

Interest Only Mortgage Timebomb

Interest Only Mortgage Timebomb

The FCA suggests an interest only mortgage timebomb is building and asks both consumers and financial advisers to review mortgages positions and help people plan to pay off their mortgage....

> 8y4m

Mortgages

Buy To Let Tax Return Warning

Buy To Let Tax Return Warning

Buy to let mortgage lenders are toughening their stance on self assessment and tax returns with direction from the Prudential Regulation Authority. If you cannot produce or refuse to ...

> 8y4m

Mortgages

Refund Excess Stamp Duty Paid On Additional Property

Refund Excess Stamp Duty Paid On Additional Property

We take a look at anomalies on stamp duty and additional property purchase and getting a refund on excess stamp duty paid....

> 8y6m

Mortgages

Support for Mortgage Interest Loan

Support for Mortgage Interest Loan

We explore the changes for Support for Mortgage Interest Benefit changing to a Support for Mortgage Interest Loan. Do you face repossession? We all need ASU accident sickness and ...

> 8y7m

Mortgages

Interest Only Mortgage Cannot Get A Repayment Mortgage

Interest Only Mortgage Cannot Get A Repayment Mortgage

Are you in a interest only mortgage and have been refused a repayment mortgage or remortgage due to affordability? This video may help if you in an Interest Only ...

> 8y8m

Mortgages

Buy for University Student Mortgage

Buy for University Student Mortgage

By 4 Uni Mortgages. Explore Buy for University Student Mortgages and how they could get on the property ladder, become landlords, use rent a room relief and save on ...

> 8y10m

Mortgages

Portfolio Buy To Let Mortgage

Portfolio Buy To Let Mortgage

Video explores portfolio buy to let mortgages, whether you have or plan to have multiple buy to let property and want the convenience of one mortgage lender with the ...

> 9y

Mortgages

Buy to Let Rental Cover Ratio

Buy to Let Rental Cover Ratio

Some but to let lenders will lend based upon property value and rental potential. What is the buy to let rental cover ratio?...

> 9y

Mortgages

Change Mortgage During Application

Change Mortgage During Application

Can I change my mortgage or the mortgage rate I want during the application stage? We answer this simple question for you....

> 9y2m

Mortgages

Single to Joint Name Remortgage Stamp Duty

Single to Joint Name Remortgage Stamp Duty

We explore the unusual position on stamp duty payable when you remortgage a property from single to joint names as the reduction in the share of the debt for ...

> 9y3m

Mortgages

Mortgages for Pensioners

Mortgages for Pensioners

We explore the position for pensioners who want a mortgage. What are the limits? When must you pay off your mortgage? Is there age discrimination....

> 9y4m

Mortgages

Interest Rate Increase Warning

Interest Rate Increase Warning

10 year US Treasury Bond and UK Gilt yields are rising as confidence falls. Does this mean mortgage rates will rise without Bank of England or the Fed increasing ...

> 9y6m

Mortgages

Peer to Peer Lending

Peer to Peer Lending

Video explores peer to peer lending, whether you want to become and peer to peer investor, what compensation protection there is or if you want to take a peer ...

> 9y7m

Investment

Should I Postpone Buying Property

Should I Postpone Buying Property

Video explores the issues surrounding a slow down of the UK economy, whether property prices will fall and whether you should buy now, sell now or postpone buying property....

> 9y11m

Property

Pension Can Have A Mortgage to Buy Property

Pension Can Have A Mortgage to Buy Property

Video: Did you know your pension fund can have a mortgage in its own name to buy commercial property?...

> 10y2m

Property

Limited Company Buy To Let Mortgage

Limited Company Buy To Let Mortgage

Video explores the increasing demand for buy to let mortgages for limited companies....

> 10y2m

Business

Buy to Let Mortgage Interest Tax 2017 2020

Buy to Let Mortgage Interest Tax 2017 2020

Video - Is the buy to let mortgage dead for higher rate tax payers? We explain why, even if you have not made any profit, you could still face ...

> 10y3m

Mortgages

Furnished Let Tax Changes 2016

Furnished Let Tax Changes 2016

Video explores the withdrawal of 10% writing down allowance for funished let buy to let properties and investment properties in April 2016. What can you claim now?...

> 10y3m

Property

Should I Extend Lease Pros Cons

Should I Extend Lease Pros Cons

Video explores the costs and issues when you are looking to extend the lease on your leasehold property, is there an alternative view? Pros and Cons....

> 10y3m

Property

Property Location Affects Mortgage Eligibility

Property Location Affects Mortgage Eligibility

Video enforces location, location, location. Where your property is situated or what is nearby such as pubs, shops, launderettes or even farm land may affect whether you can get ...

> 10y6m

Mortgages

Effect of Stamp Duty on Buy to Let Mortgages

Effect of Stamp Duty on Buy to Let Mortgages

Video explores the impact of the 3% blanket increase in Stamp Duty on Buy to Let and 2nd home residential property....

> 10y6m

Mortgages

Can I Get A Mortgage With CCJ Debt Default

Can I Get A Mortgage With CCJ Debt Default

Video Advice on what to do to get a mortgage if you have a ccj, debts or have defaulted....

> 10y8m

Mortgages

Low Interest Rates Should I Remortgage

Low Interest Rates Should I Remortgage

Video explores the historically low interest rates that we have in 2015 and what you should think about regarding remortgage or moving to repayment mortgage before interest rates rise....

> 10y9m

Mortgages

Support for Mortgage Interest Benefit Changes

Support for Mortgage Interest Benefit Changes

Video explains how the benefit Support for Mortgage Interest payments when you are not working is reducing dramatically over the coming years and indeed then becomes a loan. It ...

> 10y9m

Mortgages

Compounding Money Effect

Compounding Money Effect

Video explores our concept of "Pay 9" - pay off your mortgage in 9 years, get the same pension in 9 years that you would get after 25 years ...

> 10y9m

Advice Tips

Summer Budget 2015 Buy to Let Expenses Relief

Summer Budget 2015 Buy to Let Expenses Relief

Video explains the changes in taxation when offsetting expenses against rental income received of buy to let and investment property....

> 10y10m

Politics & Economy

Buy to Let Mortgage Guidance

Buy to Let Mortgage Guidance

Video explores what the basic criteria is for a buy to let mortgage on a UK property for UK residents. Deposits, experience, rental cover, income, lender types....

> 10y11m

Mortgages

Budget 2015 Help to Buy ISA

Budget 2015 Help to Buy ISA

Chancellor launches a new Help to Buy ISA for first time buyers saving for a deposit with a £50 bonus fro every £200 saved. Can invest an initial £1000 ...

> 11y2m

Politics & Economy

HMRC Let Property Campaign

HMRC Let Property Campaign

Video and article warning looks at HMRC Let Property Campaign and an amnesty to pay taxes for income that you failed to disclose in previous years.Transcript: HMRC Let Property ...

> 11y3m

Mortgages

Autumn Statement Stamp Duty Changes Dec 14

Autumn Statement Stamp Duty Changes Dec 14

Video explains changes the stamp duty land tax with effect from 4 Dec 2014 in Chancellor George Osborne’s Autumn Statement....

> 11y6m

Politics & Economy

House Price Prediction 2015

House Price Prediction 2015

Video looks at what we predict will drive property prices in 2015 and for the next few years. Inflation, interest rates, demand, supply of houses, earnings and mortgage lending.Transcript:“Hello ...

> 11y6m

Property

Video explains what to do with your mortgage company if you move to a different town or overseas and wish to rent your property out. You will need consent ...

> 11y7m

Mortgages

What is Toxic Debt

What is Toxic Debt

Video explains what toxic debt is for a bank regarding mortgage property lending and business loans and the effect on capital adequacy of a bank and resulting bailouts...

> 11y10m

Mortgages

Footprints on Credit File History

Footprints on Credit File History

Video looks at the impact of light and heavy footprints on your credit file history...

> 11y10m

Mortgages

Low Credit Score Mortgage

Low Credit Score Mortgage

The mortgage market has changed dramatically with lenders under much more scrutiny to assess suitability and affordability of a mortgage - the video explores how a low credit score ...

> 12y

Mortgages

Videos Channels

Our Financial Advice Fees Quotes and Shop

Money Tips Cost of Living & Covid

Cost of Living & Covid

Markets & Alerts

Markets & Alerts

Expat and Offshore

Expat and Offshore

At Retirement Options for Pensions

Options At Retirement

Pension Transfers

Pension Transfers

Green Inv ESG SRI

Green Inv ESG SRI

Tax Planning Tips

Law, Wills, Attorneys

Law, Wills, Attorneys

Politics and Economy

Politics & Economy

Mortgage In Old Age