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The Property Podcast

Mortgage Market Update - April 2026

The Property Podcast

Rob Bence & Rob Dix

Business, News, Education, Business News, Investing

4.8 • 2K Ratings

🗓️ 30 April 2026

⏱️ 24 minutes

🧾️ Download transcript

Summary

Mortgage rates are moving, and if you’re an investor trying to work out what to do next, you’re not alone. Rob & Rob bring in expert, Nick from Framework Mortgages to get straight answers on what’s happening with rates, where they’re likely heading and what investors should be doing right now.  This episode will get you up to speed on the impact of swap rates, the Renters’ Rights Act, pressure of a global conflict, and more. (01:01) News story of the week (04:48) What swap rates are, why they matter more than interest rates and where they sit right now (10:21) What will trigger lenders rates to rise and fall (13:46) Whether the Renters’ Rights Act will impact mortgage stress tests and lending criteria (16:19) Your best options if your fixed rate is about to end (18:16) Nick's crystal ball prediction for where rates will land by late summer, and how to time your next investment around it (21:47) Hub Extra Links mentioned: Average new seller asking prices rise by 0.8% Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest

Transcript

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0:00.0

Hey everyone, it's Rob B with Rob D and you are listening to the property podcast.

0:06.2

The world's a bit mad. It always has been, but it just feels a bit extra mad at the moment.

0:10.1

And when it is like that, you have volatility in the markets.

0:13.4

And we've absolutely seen volatility in the mortgage market.

0:17.6

So this week, we bring you right up to speed with what is happening. We bring an expert in

0:22.9

to help us understand what's happening in the mortgage market and what steps we should be taking

0:27.9

in this crazy market. Welcome to the property podcast. Thank you for joining us. In case you don't know, we run a business

0:39.4

that ranges more than ÂŁ100 million worth of property deals every year. You can find out about that

0:43.6

at Property Hub.net slash invest. And of course, something that all our clients are asking us about

0:47.7

right now is mortgages. Everyone wants to know what's going on and most importantly what's

0:52.2

going to happen next. So in this episode,

0:58.5

we've gone direct to the source and brought in a very special guest to answer exactly those questions. All of that coming up in just a minute. It's time for our news story of the week now. And this

1:03.9

week's news story comes courtesy of Right Move. And Rob, I'm surprised by this data, but asking prices rose by 0.8% in April. That kind of

1:15.7

feels a bit of a disconnect from what's happening in the market now, the ambition of the

1:20.5

asking prices of people putting their properties on the market. What do you make of this story?

1:25.2

It is a strange one, isn't it? I was surprised to see this data because we've been talking a bit recently between ourselves

1:31.1

and on the podcast about just how bad sentiment is.

1:34.1

We've had some bad sentiment over the last few years.

1:36.8

But this feels like a new level of negativity has been unlocked.

1:39.8

But no, asking prices are up.

1:41.1

They're normally up in April.

1:42.3

It's normally 1.2%.

...

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