Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allThink buy-to-let in London is no longer worth it? Many investors assume so – but the reality is more nuanced.In this clip, we break down how rental calculations, deposit requirements, and lender affordability rules have changed over time, especially in the capital. From top slicing and surplus income to why London has shifted from a short-term play to a long-term investment strategy, the conversation explores how investors can still navigate today’s buy-to-let rules.We also compare London to the rest of the country, looking at yields, entry prices, and why some investors have moved north, while others still see London property as one of the safest long-term places to park capital. Enjoy the episode 🙂#mortgages #buytolet #propertyinvestment #londonproperty #mortgageadvice #mortgagebrokers #propertymarket #landlords #ukproperty

Grey skies, cold mornings… but the mortgage market is quietly heating up 👀📉 Softer house price headlines — familiar January pattern

📊 Buyer demand steady, remortgaging on the rise

💷 Lenders cutting rates again

🔥 Early-year confidence building

January might look gloomy outside — but momentum is building where it matters.

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

#mortgages #mortgageupdate #londonpropertymarket

In this episode of Mortgages Made Easy, David Jackson (Managing Director at Prestige Private Finance) sits down with James Redington (Managing Director at Douglas & Gordon)

If you are planning to buy in 2026, this episode could save you time, money, and a huge amount of stress.From why most buyers wait too long to get ready, to the hidden reasons deals collapse after being “agreed”, this episode breaks down what experienced estate agents and brokers see every single day, but buyers rarely hear upfront.

In this episode, we cover:

1. Why you should speak to a mortgage broker before viewing property (and how it gives you an edge)

2. The real reason so many property deals fall through, even after an offer is accepted

3. What buyers get wrong when choosing a solicitor, and how delays actually happen

4. Why emotion beats spreadsheets when finding “the one”, and how to avoid viewing fatigue

5. What James believes will change in 2026, and why buyers who wait may lose their advantage

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

#mortgages #mortgagebroker #property

Welcome to 2026 and the mortgage market has wasted no time getting moving.HSBC has become the first major lender to cut fixed rates, signalling a more competitive start to the year than many expected.We are already seeing early rate reductions, buyer confidence picking up, and affordability starting to ease, with lenders keen to win business from day one.If you are thinking about moving home or reviewing your mortgage this year, January could be a smart time to start the conversation.

Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all#mortgages #hsbc #mortgagerates

Let us know your thoughts on these mortgage myths - and if there are any you’d add!Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allThink you understand mortgages? Most buyers don’t - and it’s costing them thousands.Do you really need a 20 percent deposit? Is your credit score the only thing lenders care about? And are you actually safe once your mortgage is approved?In this myth-busting segment, the team cut through the noise around the most common mortgage misconceptions. From zero-deposit lending and self-employed applications to remortgaging early and why the lowest rate is not always the best deal, they explain what lenders actually look at and where buyers often get caught out.A straight-talking, insider breakdown of how mortgages really work in today’s market - and why speaking to a broker can make all the difference!Enjoy the episode :)#mortgages #mortgagemyths #mortgageadvice #mortgagebrokers #firsttimebuyers

In this episode of Mortgages Made Easy, Phil sits down with three of Prestige Private Finance’s top advisers for a straight talking conversation on mortgages, protection, and what really makes a great broker.

They break down the biggest mistakes buyers make, why you should speak to a broker before viewing, and the truths people only learn the hard way (including why you are not “safe” until completion).

In this episode, we cover:

1. How each adviser got into the industry and what they have learned

2. What separates a good broker from a great one

3. Why the cheapest rate is not always the best deal

4. Mortgage myth vs fact (deposits, credit scores, self employed, banks, remortgages)

5. Why protection matters and how to think about it without the awkwardness

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

#mortgages #mortgagebroker #property

In this video, we break down what’s really happening in the UK housing market as we head into 2026. Mortgage rates are edging lower, lenders remain competitive, and early signs suggest confidence is returning across key parts of the market.

You’ll learn:

• Where UK mortgage rates are heading

• What falling fixed rates mean for buyers and homeowners

• House price expectations for 2026

• Why confidence is slowly returning to the property market

Whether you’re a first-time buyer, homeowner, or investor, this update will help you understand what’s next and how to prepare.

Need help with your mortgage?
👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator
📸 Follow us on Instagram – https://www.instagram.com/prestigepf/
💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

Why do lenders speed up… then slam on the brakes?In this section, David and the team reveal what’s really going on inside the major banks - from compliance scares that force lenders to overhaul their processes to the risk teams who can switch off automated systems overnight.

They also break down why once-advanced mortgage tech never fully bounced back after the credit crunch.

A sharp, insider breakdown of how mortgage decisions are actually made.Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

#mortgages #banks #mortgagebrokers

A steady December property market sets the stage for one of the most stable years ahead as we move into 2025.

In this episode of Mortgages Made Easy, David sits down with three of Prestige Private Finance’s top mortgage brokers for a straight-talking conversation about what’s really happening in the market right now.

Between them, they’ve worked through rate rises, stamp duty changes, recessions, lending freezes and everything in between - and they share what they’re seeing today, what buyers often get wrong, and how quickly things usually settle after periods of uncertainty.

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

Chapters:

(00:00) Insights Into the Mortgage Industry

(06:38) First-Time Buyer Property Advice

(11:46) Navigating the Mortgage Process Together

(24:28) Broker Efficiency Advantages Over Banks

(27:16) Future Impacts of AI on Mortgages

(30:22) Adapting to Advances in Mortgage Industry

(38:35) Impact of Technology on Mortgages

(43:47) Understanding Mortgage Interest Rate Dynamics

(49:15) Navigating Mortgage Rate Trends and Affordability

(01:00:22) Debating Mortgage Lending Restrictions

(01:03:56) Evolving Regulations in Mortgage Industry

#mortgages #mortgagebroker #property