Mortgage Predictions for 2026

The Property Podcast

Rob Bence & Rob Dix

Business, News, Education, Business News, Investing

4.8 • 2K Ratings

🗓️ 22 January 2026

⏱️ 31 minutes

🔗️ Recording | iTunes | RSS

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Summary

Everyone’s wondering what the mortgage market has in store for 2026, so Rob & Rob have called in mortgage experts Kelly Rule and Nick Shepard to break it down. From where interest rates are heading next to what’s really happening with lender fees and stress tests, they discuss what property investors can realistically expect over the coming months, while busting a few myths along the way. (00:54) News story of the week. (03:58) Buy-to-let rates now and where they’re heading. (07:46) The truth about arrangement fees. (11:26) Which lenders are offering the best deals this year? (14:21) Are stress tests finally starting to ease? (21:18) The mortgage myths catching investors out. (27:20) Hub Extra. Links mentioned: The 10 UK locations which could see the biggest house price growth in 2026 – read here Blackbird: Watch here Chief of War: Watch here Pluribus: Watch here 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	January is brilliant for big intentions, but let's be honest, it's not always the best month
0:05.3	for sticking to things. Most resolutions barely make it past week two. But if one of your goals
0:11.0	is to start or grow your property portfolio, that's where Property Hub invest can really help.
0:16.2	We'll help you turn that early year motivation into real action, with clear goals, a proper strategy, and
0:21.8	access to exclusive off-market deals you won't find anywhere else. If you want this year to be
0:27.0	different, head to propertyhub.net slash 2026. Hey everyone, it's Robby here with Rob D, and you
0:35.4	are listening to the property Podcast. We make predictions
0:38.5	each and every year, but this week we've roped in two experienced mortgage brokers and put
0:44.5	them on the microphone to tell us what is going to happen with the mortgage market in 2026.
0:59.2	Welcome to the Property Podcast. Thank you for joining us. In case you don't know,
1:02.9	we buy more than £100 million worth of property every year for our clients. You can find out more about that at Property Hub.net slash invest. And understandably, what all our clients want to know,
1:08.2	and I'm sure you want to know as well, is what is going to happen
1:11.7	with mortgages this year? Is it a good time to refinance? If I'm looking at a purchase, what rate could I end up paying? What kind of options are going to be available? Am I going to get killed on fees? Well, we've got two expert answers to all of those questions coming right up. It's time for our new story of the week now.
1:27.4	And it's not to have been our good selves who've been predicting where the best places are
1:32.8	to invest in the UK this year.
1:35.0	Supla has also been at it.
1:36.7	And this is a piece in Money Week.
1:39.0	And they have reported, Rob, the top 10 places where they believe they'll see house growth
1:42.9	this year in the UK.
1:44.4	And I'll cut straight to it. It's a very different list to ours.
1:48.4	Yeah, I don't know if they've got a really sophisticated algorithm and this is absolutely rock
1:53.5	solid data or if they just delegated this task to a really proud Scotsman.
	...

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