Market Insights

Stay ahead of the game: Expert analysis and advice for Expats and foreign nationals buying UK property

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As the Bank of England Policy Committee meeting approaches on 3rd August 2023, there’s growing anticipation about the future of interest rates. The recent rate rise of 0.5%, higher than expected, has stirred discussions among lenders and analysts. However, indications of a potential hold on rates during the upcoming meeting are gaining momentum. Several lenders, including TSB and Cooperative, have already lowered their 3-year fixed rates, with some first-time buyer 5-year fixed rates following suit. As inflation becomes less of a concern, the political landscape comes into focus, with the conservative government aiming to demonstrate economic control ahead of the 2024 general election. In this blog post, we will delve into the key factors influencing the mortgage market, the prospects of interest rate changes, and the potential opportunities for overseas investors and British ex-pats amidst the evolving landscape. Stay tuned to discover essential insights that can help you navigate the dynamic UK mortgage market and make well-informed decisions to secure your property investments.
One of the UK’s largest lenders and a prominent international banking organization, HSBC, made a surprising decision yesterday to withdraw certain UK mortgage products. The purpose behind this move is to reprice them more in line with the UK market, according to our sources. While it appears to be an isolated action by HSBC at […]
Introduction With May’s increase in the Bank of England’s base interest rate to 4.5%, there is growing speculation about whether the UK housing market bubble will finally burst. However, despite the current challenges, the housing market in the UK has shown remarkable resilience in the face of previous uncertainties, such as the Brexit vote in […]
The Bank of England raised the base rate again in February, but this doesn’t seem to be affecting mortgage rates as much as in the past. In fact, mortgage rates are still falling, and the cheapest five-year fixed-rate deal is now below 4% for the first time since early October.  This is good news for […]
For many non-residents seeking to purchase property in the UK, securing a mortgage can be a complex and confusing process. However, with the help of an experienced mortgage broker, navigating the intricacies of the UK mortgage market can be made much simpler. In this blog post, we’ll cover the basics of expat mortgages for non-residents, […]
In today’s volatile financial climate, investors and savers are searching for safe havens for their money. Amid news of bank failures and market instability, the UK property market is proving to be an attractive option. At IMS, we understand the concerns of international investors and the need for a stable investment. That’s why we are […]