Mortgage Market Update – June 2025

Navigating the New Normal: Why Now’s the Time to Review Your Mortgage Options

As we reach the halfway point of 2025, the UK mortgage landscape continues to evolve—presenting both challenges and opportunities for homeowners, first-time buyers, and property investors alike.

At Mortgage321, we’ve seen a notable increase in enquiries as clients reassess their borrowing in light of recent market movements. Whether you're looking to purchase your first home, refinance for a better deal, or capital raise against existing property for investment or development purposes, this may be a pivotal moment to take action.

🔍 What’s Happening in the Market?

Following the Bank of England’s decision to hold the base rate during the June MPC meeting, lenders are cautiously adjusting product offerings. While rate reductions are expected in the latter half of the year, current lender pricing remains mixed—with some tightening affordability calculations and others offering selective reductions in fixed rates to remain competitive.

Key developments this month:

• Product Transfer opportunities: Existing borrowers may now secure better rates than they did 6–12 months ago.
• Buy-to-let reshaping: More lenders are opening up to limited company structures, with enhanced rental stress tests.
  
• Bridging & development finance: Short-term funding is gaining traction for investors looking to convert, refurbish or complete projects delayed by 2023–2024 rate volatility.

💼 Why This Matters for You

With property prices stabilising in many regions and more competitive borrowing options returning to the market, this is the time to review your financial positioning and lending strategy. However, the key to unlocking the right solution lies in understanding your personal or investment profile—and that's where we come in.

 ✅ How Mortgage321 Can Help

At Mortgage321, we specialise in:

• Complex income structures (self-employed, contractors, directors)
  
• Adverse credit mortgages and declined applicants
  
• Bridging and refurbishment finance
  
• HMO and semi-commercial property finance
  
• Capital raising for investment, business, or personal purposes
  

Whether you're buying your next home, remortgaging to save money, or expanding your property portfolio, our team delivers clear, experienced, and tailored advice—with direct access to specialist lenders often unavailable via high street channels.

🚀 Time for a Mortgage Health Check?

It’s never been more important to know where you stand. A 15-minute conversation with us could:

• Highlight untapped borrowing potential
  
• Prevent you from overpaying on your current deal
  
• Clarify how best to structure your next purchase or refinance
  

We offer free initial consultations, with no obligation—just clear, informed guidance to help you make the right next move.

📞 Get in Touch Today

Let’s talk about your mortgage goals—whether that’s saving money, investing in your future, or restructuring your portfolio. Use our expertise to your advantage.

👉 Call us today on 01255 440142
📧 Or email us at [email protected] 
🌐 Or submit your enquiry at www.mortgage321.co.uk 

 
Mortgage321 – Experienced. Insightful. On Your Side.

“We don’t just place mortgages—we solve problems others walk away from.”