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Keep up to date with the latest news and our guides on all things mortgages. 

Looking For A Mortgage? Read This First!

After some turbulent years, the UK mortgage market is showing signs of maturity and resilience. For borrowers who plan, there are genuine opportunities. As your trusted broker, we are here to help every step of the way. We’ve researched and spoken to industry professionals to give you an update ahead of summer. So, you can relax and enjoy the warmer weather.
 

The government is actively supporting borrowers
In March 2026, the Chancellor met with lenders representing 75% of the market to discuss practical support available to borrowers. After this, mortgage lenders confirmed their commitment to the Mortgage Charter . This is a meaningful signal that borrowers in difficulty won't be left without options. Plus, lenders are being held accountable for fair treatment.
 

Arrears are falling
Despite the rate environment, borrowers are proving more resilient. Mortgage arrears levels fell to 92,100 in 2025, down from 104,800 the previous year. A further five per cent fall is forecast for 2026 . This suggests most households are managing their finances well, and lenders' support measures are working.
 

Gross lending is growing
The overall market remains active and healthy. Overall gross lending is forecast to rise by four per cent to £300 billion in 2026. External remortgaging is expected to grow ten per cent to £77 billion . Lenders are open for business and competing for borrowers.
 

1.8 million opportunities to get a better deal
Around 1.8 million fixed-rate mortgages are due to expire in 2026 . Rather than viewing this as a pressure point, it's better understood as an opportunity for 1.8 million households to reassess and shop around. There are competitive deals out there. Don’t just drift onto a standard variable rate.
 

First-time buyers have more options
First-time buyers may find 2026 more accessible than recent years. There is a good choice of available homes, average wage growth is outpacing property price increases, and affordability is improving compared to 2023 and 2024 . (This month, we have also written up a guide to the most affordable houses in the UK… keep reading to find out where!)
 

House prices are stable, not surging
The general expectation for UK house prices in 2026 is modest growth rather than a runaway market, with Nationwide expecting growth in the 2% to 4% range . For buyers, that means less fear of overpaying or being gazumped. A calmer, more rational market where decisions can be made thoughtfully.
 
Uncertainty in the mortgage market is nothing new. Borrowers who focus on preparation rather than prediction tend to come out ahead. Locking in a rate early, comparing the open market against product transfers, and taking independent mortgage advice are the three steps that consistently make the biggest difference. Let’s book you in for a meeting to discuss your future and ensure a positive year.

SPEAK TO AN ADVISER

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

 

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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