As we draw to a close in 2025 – let’s look to the positives ahead in 2026! In the ever-shifting world of mortgages and property, it is easy to get caught in the noise of headlines and data. But as the winter frost begins to settle over the valleys and we look toward the horizon
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The Mortgage System Wasn’t Built for People Like You And that’s not a criticism of you There’s a sentence I find myself saying more often than you might expect: “You’re not failing the mortgage system. The system just hasn’t caught up with people like you.” When I say that, I often see shoulders drop. Sometimes
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The “Disposable High-Earner” Contractor: Why Strong Incomes Still Get Treated Like a Risk If you’re a contractor earning very good money and still being made to feel like a second-class borrower, you’re not imagining it. I see this all the time. People come to me with solid day rates, years of contracting behind them, healthy
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A Breath of Fresh Air: South Wales Market Shows Its Resilience and Opportunity It’s been a week of reflection and, I’m pleased to say, renewed optimism across the South Wales property and mortgage market. Here at C A Mortgage Services, we’ve seen the mood shift, and while no one is claiming we’re back to the
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The Budget Highlights: Stability Over Shock Hello, it’s Ian Rogers here. Grab a cuppa and let’s talk shop for a moment. The dust has finally settled on Rachel Reeves’ Autumn Budget from last Wednesday, and I know many of you have been holding your breath. In the weeks leading up to the 26th, my phone
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Every time a Budget approaches, my phone starts lighting up like a Christmas tree in June. Buyers wondering if they should “wait and see”, homeowners asking if now is the moment to remortgage, and a few who simply want to know whether things are about to get easier or harder. And honestly? I get it.
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South Wales on the Move: Why Now Feels Like the Right Time to Get Ready Hello, it’s Ian Rogers here. Grab a cuppa and let’s talk shop for a moment. In the fast-paced world of national property headlines, it’s easy to see a market that looks a bit shaky. You hear about the doom and
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Taking the Temperature: What the Last Seven Days Tell Us About the UK Property Market Hello everyone, Ian Rogers here. I hope you’re keeping warm as the year starts to wind down! It’s been an interesting week in the world of mortgages and property, to say the least. When I look at the headlines, I
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Improved Mortgage Market Conditions – A Welcome Shift for Homeowners and Buyers By Ian Rogers – C A Mortgages After what has felt like a long stretch of uncertainty, there’s finally some steadying in the mortgage market – and not before time. Over recent weeks, several lenders have trimmed rates across their fixed-rate products, following
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First-Time Buyers vs. The Budget: Who Gains, Who Struggles, and What It All Really Means The Budget’s Silent Power Over First-Time Buyers Every year, the UK Budget rolls in like clockwork. For most people, it’s background noise about tax thresholds and government spending. But if you’re trying to buy your first home, it’s more than
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