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Go back to Residential Mortgages

Low-deposit mortgage

Low-deposit mortgage deals hit 17-year high

If you’re looking to buy a home with a smaller deposit, there’s good news: low-deposit mortgages are making a comeback, and 2025 is shaping up to be one of the... read more →
  • April 22, 2025
  • SMH Residential Mortgages
UK property market

How the UK housing market is changing in 2025

The UK housing market is constantly evolving, and 2025 is shaping up to be another year of change. With house prices shifting, mortgage rates adjusting, and upcoming tax changes, many... read more →
  • March 13, 2025
  • SMH Residential Mortgages
HM Land Registry's Property Alerts

Why You Should Sign Up for HM Land Registry’s Property Alerts

Property fraud is on the rise in the UK, putting property & homeowners at risk of losing their most valuable assets. If your property is unoccupied, rented out, or mortgage-free,... read more →
  • November 15, 2024
  • SMH Residential Mortgages
Joint Borrower Sole Proprietor Mortgage blog

What is a Joint Borrower Sole Proprietor Mortgage?

In today’s housing market, particularly for first-time buyers, the journey to homeownership can seem like an uphill battle due to rising property prices, stringent lending criteria, and the challenges of... read more →
  • September 4, 2024
  • SMH Residential Mortgages
Mortgage Rates Drop as Lender Competition Heats Up

Mortgage Rates Drop as Lender Competition Heats Up

Mortgage rates are starting to fall as competition among lenders heats up ahead of the Bank of England's upcoming rate decision. According to a survey carried out among economists, they... read more →
  • July 25, 2024
  • SMH Residential Mortgages
Increase in number of buy-to-let owners selling up

Increase in number of buy-to-let owners selling up

Starting 6 April 2024, the capital gains tax (CGT) rate for selling residential properties will be reduced by 4%, from 28% to 24%. Despite this decrease, most landlords choosing to... read more →
  • April 11, 2024
  • SMH Accounting & Business Advisory, SMH Residential Mortgages
Multiple dwellings relief abolished

Multiple dwellings relief abolished

From 1st June 2024, multiple dwellings relief under stamp duty land tax (SDLT) will be abolished. This aims to eliminate disagreements over the classification of separate dwellings, such as granny... read more →
  • April 11, 2024
  • SMH Accounting & Business Advisory, SMH Residential Mortgages
Current interest rates

Current interest rates – and the impact of them dropping

Current Interest Rates The Bank of England (BoE) announced on the 21st March 2024 that interest rates will remain the same at 5.25% for the fifth consecutive time. However, the BoE did... read more →
  • March 27, 2024
  • SMH Residential Mortgages
second home mortgage

Guide to Second Home Mortgages

Buying a second property in the UK can be a complicated process as the government seeks to cut down on second property ownership due to the housing shortage. This guide... read more →
  • January 30, 2024
  • SMH Residential Mortgages
signing a mortgage

Mortgage Types Explained: Which one is best for you?

There are many types of mortgage available in today's market and knowing which one suits your needs best is essential before you start looking for a mortgage deal. Mortgages generally... read more →
  • December 19, 2023
  • SMH Residential Mortgages
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