Kendal - Mortgage & Protection Advisor

11/03/2026

02/02/2026

Nationwide Building Society and Santander have both announced increases to mortgage rates this week.

From tomorrow, Nationwide is increasing residential rates by up to 0.19% for both new and existing borrowers.

The increases apply to Nationwide's new member homemover and first-time buyer ranges across two, three and five-year fixed rates at all LTVs. Selected remortgage rates have also seen increases.

For new members, the lowest rate available is now a two-year fix at 60% or 75% LTV, available at 3.69% for new and existing members moving home.

Also taking effect from tomorrow, Santander is increasing residential and buy-to-let fixed rates in its new business and product transfer ranges.

In its residential home mover range, all 75%, 85% and 90% LTV two-year fixed rates increasing by up to 0.04% and all 60% and selected 75% LTV three anad five-year fixed rates will rise by up to 0.07%.

28/01/2026

One of my mortgage clients started a new job in January and we’ve been able to get a mortgage offer

Just an FYI many people think you need to wait 3 months

28/01/2026

Did you take out a 5 year fixed rate in 2021?

If so you might be worried about the potential rate change

You might be looking at switching from 2% to 5%

Get in touch for a review to find out what your options are

28/01/2026

My oldest mortgage client is 91

My youngest, 21

Don’t let your age put you off enquiring about mortgages

28/01/2026

Nationwide are becoming more flexible with interest only criteria.

Do you have a mortgage that’s sitting at 85% of the value of your property or under ?

If so, you could switch to interest only

Many clients do this to help cash flow month to month

Or to aid inheritance planning alongside an insurance policy to make sure that when they die the mortgage is cleared anyway and pretexts the kids inheritance

28/01/2026

Coventry are reducing limited company interest rates at the end of the week

Love to hear rates reducing!

25/01/2026

Does your end rate this first half of the year? Sounds like many will. Don’t go on to a variable rate or our off your mortgage renewal

You can review 6 months before your rate expires

25/01/2026

Base rate / inflation / mortgage rates