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The Money To The Masses Podcast

Ep 507 - UK Property Special: Latest on Mortgage rates, Products, Affordability tests & House prices

The Money To The Masses Podcast

Damien Fahy

Education, Self-improvement

4.8589 Ratings

🗓️ 8 June 2025

⏱️ 32 minutes

🧾️ Download transcript

Summary

In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending.

He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing the newly launched products and eligibility requirements. Next, he provides an update on changes to affordability, with lenders offering higher income multiples and relaxing stress-testing rules.

Finally, Damien takes a look at what is happening with house prices using the latest data from the UK's main house price indices.

This episode is sponsored by Coinbase - Visit⁠ ⁠⁠⁠Coinbase*⁠⁠⁠⁠ to learn more. Crypto comes with unique risks,⁠ ⁠⁠⁠take 2 minutes to learn more⁠⁠⁠⁠

Check out this week's ⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show

(00:00) - Money to the Masses Podcast Episode 507

(04:47) - Understanding Interest Rates and Their Impact

(08:26) - Current Mortgage Rates and Best Deals

(15:49) - Options if yiy are Struggling to Get on the Property Ladder

(18:16) - Zero Deposit or '100%' Mortgages and Their Implications

(20:36) - Navigating Income Multiples and Affordability Changes

(20:40) - The Impact of Stress Testing on Borrowing Capacity

(24:21) - Analysing UK House Prices and Market Trends


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Transcript

Click on a timestamp to play from that location

0:00.0

We'd like to thank this week's podcast sponsor, Coinbase, a leading online cryptocurrency platform for buying, selling, trading, storing and staking cryptocurrency.

0:08.0

Coinbase is the only major publicly traded crypto exchange in the US, and it's used by millions of users in the UK alone.

0:15.0

With a wide selection of more than 250 cryptocurrencies, industry-leading security measures, and a single user experience,

0:22.5

Coinbase makes it easier to explore the world of crypto, whether you're just getting started

0:26.7

or looking to expand your portfolio.

0:29.3

To start your crypto journey, sign up through the link in the podcast description.

0:32.6

But remember, don't invest unless you're prepared to lose all the money you invest.

0:37.0

It is a high-risk investment, and you shouldn't expect to be protected if something goes wrong. Hello, and welcome to episode 507 of the Money to the Masses podcast with your resident expert as always, Damien Faye and me, Andy Licks. Damien, how you doing? I'm good. And one of the things we promised to talk about last week, well, there were two things we said we're going to talk about. One work related, one person. I'm going to leave the personal one to next week as another bit of a teaser. But one thing I wanted to talk about on the podcast this week was the viral nature of some of the content we're doing on social media. Now, if you don't follow us on our social channels, first of all, shame on you, but also

1:13.9

you're missing out on a lot of great content. So follow us on our Instagram profile,

1:18.8

threads, Facebook, TikTok, YouTube. We do different content across all of those different

1:24.6

platforms. So you won't see the same thing on each platform

1:27.9

because different platforms lend themselves better to different types of content.

1:31.8

And one of the pieces of content that I pushed out last week went viral.

1:37.0

And when I say viral, I think the last time I've checked,

1:39.7

it's had 1.5 million views.

1:42.1

So it just goes to show that we are reaching out on social media massively.

1:46.8

I'm putting a lot of work into doing lots of social stuff, not just clips on this podcast.

1:51.4

The thing that actually went viral, I'm not going to spoil it because I want people to go and look

1:55.1

to see what it was, but it was a meme that I created about a particular topic to do with

2:00.2

property that clearly hit a nerve with the UK public and went viral.

2:06.1

It was a bit of humour injected in that as well.

2:08.0

But I also want to mention another piece of content that's going equally viral for threads.

...

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