Mortgage Market Update – May 2025

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.8 • 2K Ratings

🗓️ 22 May 2025

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

Interest rates have been cut, but what does this mean for the mortgage market? Joined by our mortgage expert Kelly Rule, Rob & Rob discuss the current state of the market, how base rate changes are impacting mortgages, and why now is a good time for both new and experienced investors to take action. (0:40) News story of the week. (2:55) We’re joined by mortgage expert Kelly Rule. (2:50) What’s the impact of the latest base rate cut? (7:15) What’s the current state of the mortgage market? (12:15) Are lenders becoming more competitive? (14:35) What types of mortgage products are investors choosing right now? (17:25) What strategies are the most successful investors using? (20:35) The latest on down-valuations. (22:25) What common mistakes do you see from investors? (25:37) Are investors buying through limited company or personal name? (26:45) Let’s break down current mortgage rates for every type of investor. (32:35) Are lenders making things easier, or are there still tricky criteria to meet? (34:35) If you had one wish for the mortgage market, what would it be? (38:25) Hub Extra. Links mentioned: Knight Frank increase their growth forecasts for UK house prices Airalo 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	You've been listening to the podcast, keeping an eye on the market, maybe even running the numbers,
0:04.6	but are you actually ready to invest? Well, in just two minutes, you can have your answer,
0:09.8	because we've created a free quick quiz to help you discover exactly where you stand. And the best part
0:14.8	is, not only will you receive your readiness score, but we'll also send you a free
0:19.0	personalized guide packed with tools and advice to help you
0:22.2	move forward with confidence. So don't keep wondering. Take the quiz now at property hub.net slash
0:28.2	quiz. Hey everyone, it's Robby here with Rob De and you are listening to the property podcast
0:35.8	Mortgage Update Special. Interest rates are being cut.
0:40.3	Mortgage rates are all over the place. What is going on? In this episode, we answer your burning
0:45.1	questions. Welcome to the Property Podcast. In case you don't know, we run a business that buys more than
0:55.6	£100 million worth of property every year for our clients. You can find out more about that at
0:59.3	Property Hub.net slash invest. And when you're investing, there is little more important than mortgages.
1:04.9	You need to know what's going on with mortgages, how to make best use of them. And today's
1:08.4	very special guest will help you to do just that.
1:11.2	Before we jump into this brilliant interview, let's give you a news update. And I'm loving this one,
1:16.3	Rob. Knight Frank increases their growth forecasts for the UK house prices. And the reason why I love
1:21.6	this is they've re-adjusted their forecasts for the next five years, which is fine, and we'll get
1:26.0	into that in a moment. But they've also changed their forecasts for this year in May. So I've got a feeling they
1:32.8	might be right. I think we should go back and re-forecast our predictions in November for this year,
1:39.7	because I feel we probably will be bang on if we do that. So, Mike Frank, in May, has decided that
1:46.8	UK house prices are going to be up by 3.5% from 2.5% this year due to the improving
1:53.9	rate landscape. That is mortgage rates and interest rates are obviously on the downward trend as well.
	...

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