In August 2025, the Bank of England’s Monetary Policy Committee (MPC) voted by a narrow 5–4 majority to reduce the official Bank Rate from 4.25% to 4%. This is the lowest interest rate since March 2023 and marks the fifth consecutive cut since August 2024. For homeowners considering selling, this change could represent a golden opportunity.

Do you really need a mortgage broker to guide you through it? Let's explore the benefits and considerations, helping you make an informed decision for your property journey.

This guide covers everything you need to know about getting your first mortgage — from improving your credit score to picking the right deal — so you can approach the process with confidence.

Buying or selling a home in the UK can be an exciting time—but also a stressful one, particularly when you're part of a property chain. While it's often unavoidable, being in a chain introduces multiple dependencies.