In this episode, I’m delighted to welcome back our trusted specialist mortgage broker — Ellie Broadhurst.

If you've been tuning in for a while, you'll already know that Ellie’s insight into the lending market is second to none. She's right at the coalface, working with lenders and investors every day, and she has an incredible ability to cut through the noise and explain what’s really going on.

Since our last conversation, the base rate has been reduced — something we anticipated might be on the horizon. So in this episode, we unpack what that change actually means. We’re talking mortgage products, swap rates, investor sentiment, market dynamics, and that all-important question: should you fix or track your mortgage?

As always, Ellie brings practical advice, real-world context, and her signature no-nonsense style. Whether you're refinancing, planning your next purchase, or just trying to stay ahead in a shifting market, this episode is packed with value.

Topics covered in this episode:

• 02:54 Base Rate Reduction and Market Reactions
• 06:02 Fixing vs. Tracking Mortgages
• 08:52 Current Market Dynamics and Business Volumes
• 12:02 Rental Market Trends and Tenant Behavior
• 14:48 Future Predictions and Economic Outlook

Contact Ellie here, if you’re interested in discussing your HMO mortgage and finance needs.

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