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UK Mortgage Rates Advice for 2023

If you’re looking to move house and buy a new property, you will likely be wondering about the UK mortgage rates.

We recommend talking to a Mortgage and Protection Advisor to give you all the relevant information and advice you will need. Buying a new home is a big commitment, so it is very important that you have all the information regarding current mortgage rates and what the best options are for you, from a professional.

We had the delight of talking to Paul Cleveland, a Mortgage and Protection Advisor at Fairstone, who provide financial planning and wealth management solutions to help you achieve your life goals.

Paul shared with us some fantastic information about UK mortgage rates and some brilliant advice for people considering a move. He also discussed mortgage rate trends and how these could change overtime, as well as the importance of knowing your financial position before property searching.

To find out all the great advice Paul shared with us, please watch our coffee morning with Paul on our YouTube channel below…

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UK Property Update for 2023

The UK property market is an ever changing landscape and looking ahead to 2023 there’s a number of factors that will affect the market. 

Demand for housing is likely to rise in the UK as the population continues to expand and the economy bounces back from the turbulence of 2022. This means that the outlook for 2023 is promising, all against a backdrop of rising interest rates, increased costs of living and a pessimistic viewing from broadcasters on a national level.

In terms of prices, experts predict that the market will remain largely stable in the next few years and that house prices may rise by around 5-10%. However, this will vary significantly depending on the region, with some markets being more expensive and better performing  than others. Certainly the Home Counties will be expected to out perform the rest of the UK, with strong demand from across the globe and limited expansion in terms of property development, underpinning values and transactional volumes. 

The pandemic has also had a major impact on the property market and this could continue in 2023. Working from home is becoming more common, meaning that people may be less reliant on their local area and more likely to move farther away in order to get better value for money. However the migration from city centres to more suburban and rural areas is still affected by the desire to have good communication links and social infrastructure. 

Additionally, in recent years travel restrictions have affected the number of overseas buyers, but as we return to a post-Covid normality we will expect to see the return of foreign investors taking advantage of the weak pound and any uncertainty in the markets.

If you’d like any further advice or help from us then please do reach out to use using our contact page.

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How to Prepare Your Winter Garden for Spring and Summer 2023

As we come out of Winter and the early signs of life in our gardens are signalled by bird song and daffodil shoots, we want to share with you a few tips to help you prepare, so you can make the most of your garden this Spring and Summer.

1. Start your garden early

Most vegetables and annual flowers will provide a bountiful harvest if they are planted early in the spring, starting as soon as the soil can be worked. Start prepping and planting in mid to late March, once the threat of frost has passed.

2. Amend the soil

Before planting, amend your soil with fertiliser, compost or manure, to give your plants a nutrient-rich environment to thrive in. Start with a soil pH test to determine acidity, and adjust as needed with lime and/or fertiliser.

3. Get mulching

Mulch helps retain moisture and keep weeds at bay, so cover flower beds, gardens and trees with several inches of mulch to protect their roots.

If you found this useful and would like any further advice on prepping and styling your garden – particularly if you’re looking to put your property on the market – then please do get in touch using our contact page.