Mortgage Market Update - August 2025

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 28 August 2025

⏱️ 24 minutes

🔗️ Recording | iTunes | RSS

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Summary

This week, Rob B is joined by Kelly from Sirius Finance to tackle the big mortgage questions on every investor’s mind. From product ranges to market predictions, she shares her expert insights and top advice for navigating today’s property market. (1:21) - A quick overview of the current mortgage market (2:58) - Kelly’s rate cut predictions (4:40) - The best product ranges for investors (8:19) - The return of 80% LTV mortgages (10:39) - What would Kelly do? (13.49) - “Further advances” explained (15:16) - Are we out of the down valuation slog? (17:05) - How are investors adjusting their strategies as rates fall? (20:08) - Kelly’s top advice for investors navigating the current market Links mentioned: Kelly Rule, Senior Associate, Sirius Finance https://siriusfinance.co.uk/ [email protected] 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 here. You are listening to the Property Podcast. Rob D isn't here,
0:07.5	but that is because we have another guest on who's going to bring us massively up to date
0:11.8	on what is happening in the mortgage market. I learned a lot from this one. You will too.
0:27.0	Hey everyone, welcome to the Property podcast. I'm super pleased this week that we've got Kelly on. Kelly is from Serious Finance. All her details are in the show notes if you're
0:31.7	interested. But what you should be interested in is this content because this week, Kelly gets
0:37.1	into what is happening in the
0:38.2	mortgage market right now, which of course is super interesting. But what I really loved
0:41.7	was hearing about all these new products that are coming online, all the innovation that's
0:46.0	coming to the market. But of course, we don't just keep it all rainbows and unicorns. We go into
0:50.4	the stuff that's frustrating right now as well. And we get into that. And it's important
0:54.0	to share both sides of the market. Like what is good, but also what's frustrating. So we cover all
0:59.1	that. Rob D will be back next week. Don't panic. It is the summer. So people are allowed holidays.
1:04.9	And he will be back next week with me. But until then, let's get the lovely Kelly on the show.
1:10.3	Kelly, let's kick off with a quick
1:12.5	overview of the mortgage market right now. A lot has changed. It feels like a lot has changed
1:17.4	since we last caught up. Let's just take it a big pitch at the moment. How do you feel about
1:22.8	the market at the moment, you personally? It's an interesting one because it's very positive, which is great.
1:28.8	I would say we're going through a little bit of a transitional phase at the moment.
1:33.9	The Bank of England have cut base rates, as we all know, just recently, from 4.25 to 4% in August,
1:41.0	which is the second reduction we've seen this year, which is really great. And the knock-on
1:45.6	effect of that is that inflation is continuing to ease. And we're at the time of this recording is
1:51.7	now around 2.4%, which is already good and strong. And whilst that easing is welcome news for
	...

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