News

08.05.2025

Falling mortgage rates bring fresh momentum to UK housing market

A likely run of rate cuts, increased competition among lenders, and stable house prices are combining to lift sentiment – here's what it means for buyers and homeowners.

14.04.2025

Finding Margin: Borrowing for better outcomes

Global real estate markets are navigating a period of significant transition, shaped by shifting economic policies, geopolitical uncertainty and evolving investor sentiment.

06.02.2025

The Bank of England cuts to 4.5%, maintaining stability in mortgage markets

The Bank of England opted to cut the base rate today to 4.5%, the lowest level since the summer of 2023.

19.12.2024

The Bank of England holds the base rate, paving the way for more cuts in 2025

Pricing in financial markets suggest we could see as few as two cuts to the base rate before the end of 2025.

07.11.2024

The uncertain outlook for mortgage rates means now is the time to lock in a deal

There are compelling reasons to believe that mortgage rates will rise or fall in the months ahead.

25.09.2024

Delivering multiple income streams

Visiting an entrepreneurial client who is maximising the returns from his Somerset farm while benefiting nature.

19.09.2024

Mortgage rates will keep easing despite caution from the Bank of England

Global inflation looks increasingly benign, paving the way for more mortgage rate cuts in the weeks ahead.

01.08.2024

The Bank of England’s first rate cut since 2020 tees up a busy autumn

The Bank of England on Thursday voted to cut the base rate for the first time since the onset of the pandemic. For anybody seeking to remortgage or purchase a home during the months ahead, we recommend getting financing in place well ahead of time.

20.06.2024

What today’s Bank of England decision means for Later Life Finance

The yields on Gilts dipped dramatically in May, only to rise again and remain at levels similar to late in 2023. If these yields are maintained, Lifetime Mortgage rates are unlikely to change in the short term. However, what is of more interest is the rapid expansion in options available for older homeowners.

20.06.2024

Sluggish conditions present opportunities for borrowers

The number of homes for sale is rising, and there were nearly six new prospective buyers for every sales instruction in the UK in May. Buyers have only faced less competition once during the last five years. This window of opportunity will begin to close when the Bank of England’s first rate cut comes into view.

06.06.2024

Outsmart rising school fees with alternative financing solutions

With school fees rising, more clients are considering raising finance against their property to fund school fees in advance, and some can save substantial amounts. Hina Bhudia, a Partner in our Private Office team, shares her advice for anyone looking to raise capital against their property.

09.05.2024

Soothing tones from the BoE should bring some stability to mortgage rates

The Bank of England opted to hold the base rate at 5.25% today, but the Monetary Policy Committee meeting minutes published alongside the decision should help bring some stability to mortgage rates. Investors expect a second rate cut before the year is out, which will support activity and underpin a modest uptick in property values.

15.04.2024

When securing a mortgage, it pays to start early

Rates are steady, but there is still a lot to consider. Engaging with a broker several months before a purchase can have a transformative effect on your client’s ability to secure the home they want. This is particularly the case in today's market; lenders are eager to grow their market share and, when they can't cut rates, they introduce new products or tweak their criteria.

21.03.2024

Falling inflation raises the prospect of warm weather rate cuts

Falling inflation and the Bank of England’s decision to hold the base rate at 5.25% this week offer a brighter outlook for borrowers. Lenders have some leeway to make rate reductions, though at this stage we expect marginal cuts. We’ll need to see a larger fall in inflation or cuts to the base rate to see more meaningful falls in mortgage rates.

20.03.2024

How landlords can seize investment opportunities in today’s buy to let market

Opportunities remain for savvy buy to let landlords if they’re willing to take a longer term view on their investment, says Huy Le, Buy-to-Let Finance specialist at Knight Frank Finance. Using a client example, Huy explains how he helped a client expand their property portfolio for long-term yields using bridging finance. Read the article for more information.

11.03.2024

Rate cuts and new mortgage scheme bring first-time buyer benefits

Despite plans by the Chancellor to scrap 99% mortgages, high loan-to-value rate cuts and a new mortgage scheme are positive signs for first-time buyers says Harley Trower, Mortgage Broker at Knight Frank Finance. Two major lenders have already signed up to the scheme, which could offer buyers sub-1% mortgage rates for some new build properties.

05.03.2024

Innovation, savings, and new standards

While lifetime mortgages have served a number of different purposes over the years, new needs and objectives have emerged which have resulted in product innovation within Later Life lending. David Forsdyke, Head of our Later Life Finance service, delves into the reasons behind this change and how these innovations are helping older homeowners.

01.02.2024

Why UK mortgage rates will continue to drive a housing market recovery

The Bank of England (BoE) opted to hold the base rate at 5.25% at today's meeting. That’s broadly good news for borrowers, who have endured a volatile few years in the property market. Read on to discover how this has impacted mortgage rates.

30.01.2024

Payment Term Lifetime Mortgage: innovation in Later Life Finance

David Forsdyke, Head of our Later Life Finance service, explains why the introduction of a Payment Term Lifetime Mortgage (PTLM) paves the way for fundamental change in the equity release industry.

25.01.2024

Four things to watch in today’s buy-to-let market

There is some good news for landlords ahead, with signs that the mortgage market is softening. At the same time, a number of opportunities and considerations have started to surface that landlords should be aware of. Read on for Huy Le’s top things to watch in today’s buy-to-let market.

24.01.2024

Three reasons for Ultra-High-Net-Worths to take on mortgage debt

Many Ultra-High-Net-Worth (UHNW) individuals looking to purchase super prime properties valued at £10m+ have the funds to purchase them outright. However, unknown to some, mortgages can offer UHNW buyers efficiencies that rival cash purchases. Read on to discover three reasons for UHNWs to take on mortgage debt.

24.01.2024

New properties swell super prime property sales

While the $10 million plus residential market is outperforming, wealthy purchasers have options when it comes to borrowing. Residential sales in many of the world’s mainstream markets are down due to the surge in finance costs. Knight Frank’s latest data confirms that global super-prime ($10 million plus) markets have been more resilient.

24.01.2024

Central banks prepare to cut interest rates, setting the stage for a residential recovery

Central banks including the Federal Reserve, the European Central Bank and the Bank of England are expected to lower rates between four and six times over the course of 2024. Stocks and bonds surged on the news of the Fed’s pivot, presenting tricky decisions for wealthy home purchasers.

14.12.2023

Ways to remortgage in today’s market

The good news is fixed rates are falling, but at the same time, the average Standard Variable Rate (SVR) remains unchanged since 2007. The figures underline the importance of securing a new deal early if your existing mortgage is coming to an end. Andrew Johnson, Associate Mortgage Consultant, shares his top tips for remortgaging in today's market.

14.12.2023

Lenders will continue to cut mortgage rates despite the BoE’s decision to hold at 5.25%

By opting to hold, the Bank of England has signalled that interest rates are likely now at a sufficient level to bring the annual rate of inflation back to the 2% target. That’s not to say the Bank won’t vote to hike again if the rate of inflation begins picking up again, but that looks more unlikely with each month that ticks by.

12.12.2023

Secured overdrafts can provide high-net-worth individuals with mortgage alternative

While a number of high-net-worth individuals may have the cash to buy a property outright, many still require flexible debt facilities for easy access to funds; this is something a secured overdraft can provide. We spoke to Jamie Pigott, one of our associate consultants, on why some clients opt for secured overdrafts as an alternative to a conventional mortgage.

21.11.2023

‘Positive signs’ ahead as lenders slash more mortgage rates to sub 5%

Those searching for mortgage deals under 5% now have more choice, after several major UK lenders slashed their rates this November. This will be welcome news to borrowers who have been hit hard with rising interest rates over the past two years.

02.11.2023

The Bank holds at 5.25%: what does that mean for mortgage rates?

The Bank of England opted to hold the base rate at 5.25% on November 2nd, the second consecutive pause. Simon Gammon explains how the decision will impact mortgage rates, and outlines what borrowers should consider, whether they are seeking to purchase or refinance.

31.10.2023

Signs of growth in buy-to-let market

Number of mortgages available to landlords rises in October as fixed rates fall, signalling positives signs for the sector. The buy-to-let market has seen healthy growth over the last month, with the number of products available to landlords on the rise.

05.10.2023

Equity Release can provide a more comfortable life, but it's not the only answer

With rapid growth across the later life lending market, there are now a range of options available to homeowners over the age of 55 in addition to equity release. David Forsdyke, Head of our Later Life Finance service, explains more in this article.

27.09.2023

From the refinancing boom to the influx of US buyers: what’s driving Europe’s mortgage market

A switch to a buyer’s market, a rise in US enquiries and an increase in homeowners refinancing are the three key trends impacting the European mortgage market today, says John Busby, Head of Sales at Traverse International Finance, our new partner for mortgages in Europe.

27.09.2023

Why landlords should be leveraging debt in today’s market

Current market conditions are prompting buy-to-let landlords to question whether they should use finance to purchase a property, but there are several advantages to using debt in today’s market, says Knight Frank Finance buy-to-let expert Huy Le.

27.09.2023

Lenders usher in sub-5% fixed rate mortgages as peak base rate nears

Sub-5% fixed rate mortgages reappeared in September for the first time since June and will become more common during the months ahead. Sentiment in the property market will improve as a result, though mortgage rates will eventually reach a natural floor.

21.09.2023

Fixed or tracker? A brighter outlook poses tricky questions for mortgage borrowers

The Bank of England’s decision to hold the base rate at 5.25% paves the way for more cuts to mortgage rates, which have been easing since late-July. The cost of a typical two-year tracker mortgage remains slightly lower than a two-year fixed rate product, posing some tricky questions for anyone looking to borrow.

29.08.2023

Why it still makes sense to use debt as a high-net-worth individual today

After years of historic lows, rising interest rates have dominated headlines but there are several reasons why wealthy buyers looking for properties in the UK should still be considering leveraging debt in today’s market, says Knight Frank Finance Head of Private Office, Alex Ogario.

02.08.2023

Mortgage rates should keep falling despite the Bank of England’s decision to hike to 5.25%

Mortgage rates often rise in tandem with the base rate, but an improving outlook for inflation has given lenders the confidence to make cuts. This has prompted a rapid shift in behaviour from borrowers. Many are now opting to take tracker rates, often with a view to fixing once rates ease further. However, there are risks to this approach.

04.07.2023

Equity Release is no longer the only solution available for older homeowners

The market for borrowing into retirement has grown significantly in recent yearsa growth which has been driven by a number of factors. David Forsdyke, Head of our Later Life Finance service, explains why and delves into the range of opportunities now available for homeowners over the age of 55.

29.06.2023

Mortgage rates approach ‘mini budget’ highs

Rising mortgage rates are showing few signs of slowing and almost all of the major lenders repriced higher during the seven days to June 29th. The pressure on borrowers is likely to continue until we see two or perhaps three encouraging inflation figures. If that happens, swap rates should ease and we’d expect lenders to pass that through to borrowers quite quickly.

22.06.2023

Tips for navigating the mortgage market as interest rates rise: Q&A

The Bank of England has raised the base rate by 0.5% to 5%, the highest level it has been since 2008. Our Managing Partner, Simon Gammon, has shared his advice for homeowners considering their mortgage options.

18.05.2023

Mortgage product choice climbs as lenders grow more confident about the outlook

Lending data suggest conditions in the mortgage market improved markedly at the onset of spring, though activity remains subdued relative to the levels of last year. With almost 1.6 million households coming to the end of their fixed rate this year, is recovery likely to be a slow process?

11.05.2023

Are you on your lender’s Standard Variable Rate? Refinancing could save you thousands

For borrowers coming to the end of their mortgage term, the decision on whether to fix is a common conundrum. Most homeowners often allow their deal to slip onto the lender's standard variable rate. However in most cases, refinancing to a tracker rate with no early repayment charges could save you thousands, as in the case of one Knight Frank Finance client.

11.05.2023

'Lenders are eager to overcome higher rates with new methods’ – an expert’s view

The Bank of England opted to raise the base rate by 25 basis points to 4.5%. We speak to Huy Le, a specialist finance broker for landlords and developers at Knight Frank Finance, to find out how the sector is holding up, where interest rates are moving, and how recent innovations can help landlords borrow more.

04.05.2023

A busy spring exerts upwards pressure on mortgage rates

The housing market is recovering rapidly from the volatile conditions of late 2022, when mortgage rates spiked in the wake of the mini budget. UK house prices rose in April following seven consecutive monthly declines, according to Nationwide. Meanwhile mortgage approvals for house purchase rose in March compared to a month earlier.

27.04.2023

Product numbers climb, interest rates fall as stability returns to the Equity Release market

Interest rates on equity release products have fallen for five straight months as stability returns to the market in the wake of the mini budget. Interest rates are now as low as 5.33%. Product numbers are also rising gradually, and should hit 200 in the coming weeks, though that is still down around two thirds compared to six months ago.

19.04.2023

Opportunities in agriculture

More turbulence is expected for farms and rural businesses across England after a difficult 12 months. Inflation and interest rate rises are prompting a slowdown in borrowing across the sector, with agricultural debt down £2 billion in the last 12 months according to the Bank of England. However trends in the financial markets point to an opportunity for farm owners and rural businesses to offset the challenges.

19.04.2023

The Wealth Report: Indicators for prime borrowing in 2023

Each year, the Knight Frank Wealth Report unveils where wealth is being created and how it is influencing property markets. We've condensed the report's findings into five key takeaways that we feel will most shape the mortgage market during the year ahead.

19.04.2023

The mortgage market shakes off the mini-budget hangover

Housebuilders, sentiment surveys and official figures have all indicated that activity is strengthening as spring approaches. Activity is still subdued relative to recent history, but things will continue to settle the further we get from the mini-budget.

11.04.2023

Funding retirement through property wealth over pension could deliver savings

Older homeowners could save money by using their property wealth to fund their retirement rather than drawing down from their pension pots, following changes made by the Chancellor to the Lifetime Allowance (LTA) for pensions in his March budget.

27.03.2023

Prime borrowers can position themselves now we know the priority for central banks

Central banks last week largely dispelled doubts about whether moderating inflation or financial stability would come first. Alex Ogario, Head of our Private Office, shares his thoughts on the latest shifts in the market and implications for borrowing.

23.03.2023

The Bank of England hikes again, raising the likelihood that mortgage rates will rise

The Bank of England opted to raise the base rate by 0.25 basis points to 4.25%. It’s clear that the Bank of England will continue to prioritise bringing inflation back to its 2% target despite the uncertain outlook, which raises the probability that there may be at least one further hike before the current round of tightening peaks.

16.02.2023

Top trends to watch in the buy-to-let market this year

The buy-to-let landscape has changed significantly in recent years, with rising inflation and interest rates pushing up costs for both landlords and tenants. Despite this challenging backdrop, opportunities remain. Our experts from the property and finance markets highlight the key trends to watch out for this year in the buy-to-let market.

15.02.2023

Five-year fixed rate products drop below 4%, marking a new era for mortgage rates

We are likely entering a new, more stable era for mortgage rates with some five-year fixed rate products dropping below 4% for the first time since the mini-budget. The drop in mortgage rates has underpinned a shift in property market sentiment that began to show in the data early in the new year.

02.02.2023

Mortgage rates are normalising: is it time to fix?

The Bank of England today increased the base rate to 4% in a move largely priced in to fixed rates. Tracker products are likely to move upwards and many will now be more costly than the best fixed rate products for the first time since the mini-budget.

01.02.2023

Unlocking property wealth using a lifetime mortgage

Homeowners are increasingly seeking alternative ways to harness their financial resources to provide extra income when facing financial difficulties; they can even provide a helping hand to their children or grandchildren. Helen Barnes, a Senior Advisor in our Later Life Finance team, explains what homeowners should consider when looking to borrow money against their property.

31.01.2023

Fall in rates prompts boost in property enquiries

The number of prospective buyers contacting agents climbed in the first two weeks of 2023 compared with the same period in 2019, according to Rightmove data. The figures come as mortgage rates have started to fall from the highs of 6% + that were seen towards the end of 2022.

18.01.2023

Financing energy efficient upgrades could cut costs and boost values

Rising energy costs and a growing ethical desire among homeowners and landlords to reduce their carbon footprint means more people are exploring how energy efficiency upgrades could save them money in the long run. We outline three reasons why this interest will only intensify over the coming months.

18.01.2023

Tight supply brings opportunities for investors in London new build sector

Despite the dynamics of growing demand and tight supply for rental properties, the pressures for landlords have been mitigated for new investors by rental growth, which is one of several factors driving interest in the new homes market among landlords.

18.01.2023

The “new normal” for mortgage rates begins in 2023

If the dominant theme of 2022 was how quickly interest rates rose, the big theme of 2023 will be when and how high they peak. The Monetary Policy Committee is likely to vote for another increase in the base rate at February’s meeting, at which point economists believe we will be close to the end of this series of interest rate hikes.

15.12.2022

Fixed or tracker? The difference is narrowing

The Bank of England’s decision to raise the base rate to 3.5% will further narrow the gap between fixed rate mortgages and tracker rate mortgages.

08.12.2022

Retirement income: how property could be a better source of funds than a pension

Rising house prices mean homeowners have gained an average £46,000 since the summer of 2020*. For some, Lifetime Mortgages (a form of borrowing only available if you are over 55) provide a convenient way to tap into recent property growth while other assets are under pressure.

24.11.2022

A new lending landscape for landlords

Investing in, and renting out, property has grown more challenging in recent years amid rising tax burdens and shifting policy. Despite this, the new lending landscape will provide ample opportunities for landlords with optimal portfolios and – crucially - the right financing in place. Every portfolio is different, but we see two compelling reasons to invest during the coming market cycle.

18.11.2022

First Time Buyers – How Parents and Grandparents can help

First time buyers are being squeezed from two sides. As a result, more and more parents and grandparents are stepping forward to help our young aspiring homeowners take their first step on the property ladder.

11.11.2022

Tracker vs fixed rate: what’s right for you?

As interest rates continue to rise and the cost-of-living places increasing pressure on household budgets, we look at the differences between tracker and fixed rates to help you assess which option might be right for you.

10.11.2022

Insurance cover is more important than ever, as mortgage costs rise

The cost-of-living squeeze has led many of us to look at ways we can reduce our spending. But as other costs increase, particularly monthly mortgage repayments, it’s even more important to make sure you are protected should something happen to you. Read on to find out more about three insurance options you may want to consider.

09.11.2022

How to boost your chances of getting a cheaper mortgage

Applying for a mortgage can be a daunting task, particularly if rising borrowing costs and the cost-of-living squeeze are impacting your budget. But whether you’re looking to buy or remortgage, there are steps you can take to improve your chances of getting approved on the best possible terms available to you. Read on for our top three tips on how to best prepare your application.

08.11.2022

Lifetime mortgages: what makes them different, and how they can help you

Many borrowers still have questions about how lifetime mortgages, the post popular form of Equity Release, differ from regular mortgages. After all, both can be used to purchase or refinance, both give the lender a charge against the property, and both are serviced by paying interest. To answer the most common questions, here are five key differences between lifetime mortgages and regular mortgages.

07.11.2022

What is available for first-time buyers now the Help To Buy scheme has closed?

With interest rates rising and the Help to Buy Loan scheme closed to new applications in October 2022, first-time buyers may be wondering what help is available to get onto the property ladder. Here, our new homes expert Nathan Bakhbakhi summarises three existing options.

03.11.2022

To fix or not to fix: navigating the mortgage market during volatile times

The Bank of England has opted to increase the base rate by 0.75%, its largest rise since 1992. Where does that leave people? How should borrowers engage with the market when the base rate is rising steeply as mortgage rates are easing? To find out, we spoke our Managing Partner Simon Gammon.

03.11.2022

Could your mortgage help with green home upgrades?

With rising energy costs, more homeowners are considering energy-efficient improvements to their property – often referred to as ‘retrofitting’. This is a growing concern among older homeowners in particular. Find out how our mortgages could hold the key to making greener living and more energy-efficient homes possible.

02.11.2022

Three reasons why buy-to-let remains a sustainable investment

Rising interest rates and stricter lender criteria have placed a strain on buy-to-let profits in recent months but despite the uncertainty, opportunities for landlords remain. Here are three reasons why.

26.10.2022

Is buy-to-let still a sustainable investment strategy?

Changes to tax laws across the buy-to-let sector have seen landlords’ profits take a hit since 2016. Coupled with today’s cooling housing market and continued inflationary pressure, landlords would be forgiven for questioning whether buy-to-let is still a sustainable investment strategy. But despite this shifting landscape, we still see several compelling reasons why buy-to-let investors should stay the course.

26.10.2022

Accessing property wealth can take the pressure off pensions

Nine in ten adults are reporting an increase in their living costs compared with a year ago and almost half are finding it difficult to stay on top of their energy bills, according to official figures. Lifetime Mortgages offer an opportunity for the more sophisticated retiree to utilise that equity while asset values are under pressure.

26.10.2022

Currency movements provide unique opportunity for international buyers

Currency movements can generate significant discounts. The surging dollar and relative weakness of sterling has widened discounts available to US buyers as well as those denominated in pegged currencies such as the Hong Kong Dollar and currencies in many parts in the Middle East.

24.10.2022

Mortgage rates stabilise following Bank of England intervention

Swap rates, instruments utilised by the lenders to price mortgages, have been relatively steady since the Bank of England’s intervention in the bond market. Should swaps remain stable over the coming weeks, we’re likely to see mortgage rates fall, though potentially not for long.

22.09.2022

Locking in a new mortgage now could save borrowers hundreds of pounds a month

The base rate could peak at 4% around the summer of next year, according to forecasts from consultancy Capital Economics. Those that act swiftly can save money relative to where mortgage rates are likely to sit in six months.

21.09.2022

Could a new mortgage help older homeowners with the cost of living?

With rising inflation and cost increases, the current economic context means we’re all looking at our own financial situation more closely. For homeowners over the age of 55, there are now more than 600 mortgage products available to help them achieve their goals. David Forsdyke, Head of our Later Life Finance service addresses some of the most often asked questions to help homeowners understand the options available.

22.08.2022

Key mortgage affordability test scrapped: how will this affect you?

Despite a decision by the Bank of England (BoE) to scrap a mortgage affordability test this month, other affordability checks remain in place that buyers should be aware of when assessing how much they can borrow. Tim Woods, a Partner at Knight Frank Finance, provides further insights.

04.08.2022

Three reasons to review your mortgage options

The Bank of England today opted to raise the base interest rate to 1.75%; its sixth consecutive increase since December. Future rises are now also a matter of “when” not “if” - the BoE’s own analysis suggests the rate will rise to 2% this year before hitting 2.75% in 2023.

04.08.2022

A first time buyer’s guide to securing a home without Help to Buy

If you're a first time buyer, it may be daunting to see rising interest rates and the Help to Buy scheme coming to an end in under 12 months. However, there are a number of alternative schemes and tips that could help you secure a new home. Nathan Bakhbakhi explains the options.

03.08.2022

There's more to (later) life: mortgage options for the over 55s

With more product choice in the Equity Release market, mortgage options for the over 55s have grown increasingly flexible. Helen Barnes, a Senior Adviser in our Later Life Finance team, explores options available, and the importance of seeking professional advice to help you find the right product for your requirements.

29.07.2022

Buy-to-let mortgage term coming to an end? Here’s what you need to know

With thousands of landlords expected to reach the end of their fixed rate buy-to-let mortgage term over the coming months, Knight Frank Finance buy-to-let expert, Huy Le, shares his advice for securing a competitive new mortgage deal in today’s market.

20.07.2022

Financing your second home in France

British buyers looking for a mortgage for their second home in France face a shrinking pool of lenders since leaving the EU. In Knight Frank's Prime France Report 2022, Kate Everett-Allen talks to Felicity Sullivan, a Mortgage Consultant at Knight Frank Finance, to understand what’s changed.

12.07.2022

The myths and misunderstandings about Equity Release in 2022

Equity Release is becoming an important part of financial planning for many homeowners. But the memory of poor value products from over 10 years ago still remains, causing a great deal of scepticism and misunderstanding about what Equity Release really is. David Forsdyke, Partner and head of our Later Life Finance team, answers some of the most common concerns.

08.07.2022

Everything you need to know about remortgaging today

With the cost of borrowing on the rise, many homeowners are growing increasingly concerned about how this will impact their mortgage costs in the months ahead, but there are actions you can take to lock in a competitive rate and manage your monthly payments.

30.06.2022

Top five tips if you’re considering a holiday let in 2022

The number of people looking to holiday in the UK has increased over the last three years. And despite the prospect of 2022 as the year international travel would resume in earnest, the cost-of-living crisis and well-publicised problems with air travel mean plenty will likely stay in the UK again this year. We’ve put together five tips for landlords looking to navigate this growing market.

16.06.2022

Mortgage rates on the rise: five things you need to know

The Bank of England has raised the base rate from 1% to 1.25% in an attempt to rein in inflation. With mortgage rates set to rise during the weeks ahead, we share five datapoints to help borrowers navigate the market.

10.06.2022

Lenders offer favourable financing to those with greener homes

The government’s drive to improve the energy efficiency of UK homes is beginning to work its way into favourable mortgage terms, says Nathan Bakhbakhi, a finance specialist in Knight Frank Finance’s new homes team.

07.06.2022

Your questions answered: A guide to investing in today’s lettings market

The Bank of England has now raised the base rate four times since December. With mortgage rates on the rise too – what does this mean for landlords? Drawing on their experience across the buy-to-let, property and regional markets, the Knight Frank Finance team addresses key questions sent to us by landlords in May to offer practical advice and insight to help plan for the months ahead.

25.05.2022

Agri interest-only loan renewals fall out of favour

Farmers and rural businesses are now looking to re-finance with alternative banks as lenders shy away from interest-only renewals across commercial mortgages. Bradley Smith, an Agricultural Finance Specialist at Knight Frank Finance, explains the trends which are driving this growth.

05.05.2022

Five things you should know about the mortgage market

The cost of mortgages is on the rise with rates on the best deals now double what they were 6 months ago. However, at an average of 2% they still remain low by historic standards. Read our article for the latest on mortgage rates, buy-to-let mortgages, Help to Buy and more.

26.04.2022

Capital tied up in volatile stock markets? We have a solution for that

Lombard lending is a relatively niche area in finance, but is popular among our high-net-worth clients as it provides an alternative solution for wealth tied up in volatile equity markets, says Alex Ogario, Head of Private Office at Knight Frank Finance.

14.04.2022

For landlords seeking to remortgage, green upgrades have never been so important

A spike in buy-to-let remortgaging activity is anticipated in the year ahead, bringing with it a number of considerations for landlords – particularly those looking to raise capital for energy efficiency improvements, says Knight Frank Finance Landlord Specialist, Huy Le.

12.04.2022

5 steps to buying your first home

Buying your first home is an exciting and major milestone, but it can also be a complex and stressful process. From finding out how much you can borrow and choosing the right bank, to saving for a deposit and completing the necessary checks – and then, of course, there’s finding your dream home. To help, we've put together a step-by-step guide to help first-time buyers get that all-important foot on the property ladder, with as much ease as possible.

04.04.2022

How homeowners are using Equity Release as part of their financial planning

Figures published by the Equity Release Council shows activity in the Equity Release market grew by 24% in 2021, attributed to a growth in the number of High-Net-Worth (HNW) individuals using equity release as part of their financial planning. But why would HNW individuals want or need to borrow? Helen Barnes, Senior Advisor in the Later Life Finance team at Knight Frank Finance explains.

01.04.2022

Top four property and mortgage trends to expect this spring

The Bank of England (BoE) has now raised the base rate three times since December, with financial markets anticipating further hikes this year – but what does this mean for borrowers? Here are our top four trends to watch out for in the months to come.

25.03.2022

Covid fuels further growth in equity release

Figures published by the ONS show hundreds of thousands of workers aged between 50 and 70 have been forced into early retirement as a result of the pandemic, and many have turned to savings, pension funds or property wealth to provide essential income. David explains how homeowners can use equity release to unlock their property wealth and top up their income.

22.03.2022

Rising London rents: an opportunity for landlords to raise capital?

Landlords might want to consider whether now is the right time to remortgage to lock in a fixed rate, while interest rates are still low, says Huy Le, Landlord Finance Specialist at Knight Frank Finance. Even those who are subject to early repayment charges could be better off, with the charge potentially offsetting a future rise.

17.03.2022

“It’s better to act now rather than later”: navigating the mortgage market as rates rise

The Bank of England raised the base rate to 0.75% this afternoon, marking its third hike in three months. With geopolitics clouding the economic outlook and inflation running at a 30-year high, we speak to Knight Frank Finance managing partner Simon Gammon to find out how the next few months are likely to play out.

15.03.2022

Equity release average rates rise as lending hits new record

Average interest rates charged on lifetime mortgages are rising, while headline rates could hit 3.5% by the end of the year, says later life finance expert David Forsdyke. The rise follows a boom in activity across the equity release market, with lending reaching a new record high in 2021 to £4.8bn, according to figures from the Equity Release Council.

10.03.2022

Mortgage product choice shrinks as lenders prepare for rising interest rates

A hike in the base rate at next week's Monetary Policy Committee is highly likely and lenders continue to withdraw products on a daily basis, leaving borrowers with little time to react. Borrowers are advised to lock in a deal now and reassess should conditions improve, says Hina Bhudia, partner at Knight Frank Finance.

09.03.2022

A first-timer’s guide to buying a property in 2022

2021 was arguably a difficult time for first-time buyers, with lower mortgage availability and eye-watering rates making homeownership feel increasingly unobtainable. But good news is on the horizon, with 2022 looking far more promising says Nathan Bakhbakhi, Knight Frank Finance Associate.

23.02.2022

2022 signals a remortgaging boom

A remortgaging boom is on the horizon in 2022, according to UK Finance data. Figures suggest a busy time ahead for the market, with lending expected to reach £69bn during the year (up 11% on 2021) and accelerating further still to £93bn in 2023. There are a number of factors driving the rise, explains Hina Bhudia, a Partner here at Knight Frank Finance.

17.02.2022

Influencers seek specialist advice to fund dream home

It’s fair to say that being a social media influencer can bring you fame and fortune. TikTok’s highest paid stars collectively hauled in $55.5m in 2021, according to Forbes. Though significant, income can often be sporadic. And when coupled with the fact that the influencer market is still in its infancy, it can make borrowing to fund a dream house difficult, says Mark Steinle, an Associate at Knight Frank Finance.

14.02.2022

How HNW individuals are using equity release as part of their financial planning strategies

2021 was a record year for the equity release market. Latest figures from the Equity Release Council show £4.8 billion of property wealth was released by homeowners over the age of 55, an increase of nearly £1 billion when compared with 2020. Delve into this and more in our Q4 2022 report.

03.02.2022

Today's base rate rise and an update on the mortgage market

The Bank of England today opted to raise the interest rate to 0.5%. Activity in the mortgage market remains above pre-pandemic norms following two remarkable years in the property market and lenders are issuing new products and services in a bid to secure market share. In this article, our experts walk you through the key trends in mortgage borrowing, from the path of interest rates, to buy-to-let and holiday lets.

28.01.2022

5 tips for landlords to grow your portfolio in 2022

The Bank of England’s decision to raise the base rate to 0.25% in December is so far having a minimal impact on the residential property market, which is good news for landlords, says Huy Le, Landlord Specialist here at Knight Frank Finance.

13.01.2022

December’s rate hike makes January a unique opportunity for borrowers

By raising the base rate to 0.25% on December 16th, the Monetary Policy Committee once more confounded markets. Last month's rise is largely priced in, but with inflation set to hit 6% by April there is clearly more to come.

12.01.2022

Mortgage rates are rising so now is the time to lock in a deal

Fixed and tracker products across all LTVs rose after the Bank of England opted to raise the base rate last month, according to new Moneyfacts data. With financial markets predicting as many as two more rate hikes over the course of 2022, January could be an opportune moment for borrowers to lock in a new deal.

11.01.2022

The inevitable rise of Equity Release

Latest figures published by the Equity Release Council show that older homeowners released over £1bn of property wealth in each quarter last year, representing significant growth in the market. David Forsdyke, Equity Release expert and head of our Later Life Finance team, explains why Equity Release is emerging as a major financial planning tool.

16.12.2021

Mortgage rates, new homes and buy to let: how is 2022 shaping up?

From the ‘race for space’ to the return of the capital and demand for rental property, 2021 was the year homeowners and home seekers sought out a change of lifestyle. How is 2022 shaping up? Knight Frank Finance experts give their views on the big trends that will shape the year ahead, from mortgage rates to new homes and buy to let.

12.11.2021

How to get the right life insurance cover, and why it’s so important

UK life insurance customers who are tied into 25-year policies could be overpaying as much as £1.2bn every year, according to life insurance company DeadHappy. So how do you know your policy is fit for purpose and how do you make sure you take out the right policy for you? Knight Frank Finance head of insurance, James Jones, explains.

11.11.2021

How equity release can help with pension planning and retirement

Pension pots have come under increasing pressure over the last 18 months. Fuelled by the pandemic, a total of 383,000 people withdrew from their pensions during Q1 2021, according to the latest HMRC statistics, representing a sizeable £2.6bn. Find out how lifetime mortgages can be part of the solution to plug temporary financial pressures.

10.11.2021

Deposit Unlock: new homes for first-time buyers and second steppers

Rising house prices across the UK have made homeownership unobtainable for many and a challenge for most. The new low-deposit mortgage scheme called Deposit Unlock, enables budding buyers and existing homeowners a chance to buy a home with just a 5% deposit. So how does it work? Here’s all you need to know.

09.11.2021

Talk Money Week: Thinking about becoming a landlord? Here's what you need to know

In the wider UK market, rental properties continue to be the source of strong demand, with rents climbing 1.3% in the 12 months to September 2021, according to official figures. So, is now a good time to become a landlord? And if so, what do you need to know from a financing perspective?

08.11.2021

Talk Money Week: Is now the time to fix your mortgage rate?

With mortgage costs beginning to creep up, borrowers are starting to look hard at fixed rate options to lock in some certainty over what could be a volatile period. So, what are the pros and cons of fixing your rate?

04.11.2021

Mortgage rates are rising: five things to consider

The Bank of England’s Monetary Policy Committee today opted to hold the base rate at a record low 0.1%. But with financial markets signalling there may be as many as two rate hikes in 2022, now is a good time to revisit your finances to ensure you’re not paying over the odds. In this article, we outline our top five things to consider.

29.10.2021

Rising interest rates and longer terms. Here are two newsworthy trends from the mortgage market this month

There are an increasing number of signs that the mortgage price war may be coming to an end and instead, a hike in the base rate may be on the horizon. Meanwhile on the other side of the mortgage equation, there is also a growing roster of companies offering mortgages with longer terms.

23.09.2021

With more properties for sale and travel restrictions easing, Autumn will be busy in the UK mortgage market. Here’s what you need to know

Following a busy year that left the shelves bare, there are some early signs the property market is about to receive a much needed pick up in supply. The number of property valuations conducted by Knight Frank in the first few days of September was up 10% on the same period in 2019.

20.09.2021

Knight Frank Finance join the Scottish Widows Equity Release pilot

Following the launch of the Scottish Widows Equity Release pilot scheme, David Forsdyke, Head of our Later Life Finance service, comments on our partnership with the provider.

10.09.2021

Cheaper mortgages would coax 22% of global homebuyers into purchasing a ‘green’ home

Results from a poll of 900 Knight Frank clients located across 49 countries and territories offer some interesting insights as to the potential size of the nascent market for green mortgages.

02.09.2021

The new school year is a great time to look at remortgaging

As the summer holidays wind down and children return back to school, now is typically the time homeowners reassess their finances. High street lenders are engaged in a price war, so many homeowners are opting to remortgage, says Tim Woods, Partner at Knight Frank Finance.

01.09.2021

Your property, your legacy

Our financial priorities change over time. Once we’ve achieved our own milestones, thoughts often turn to the next generation. Whatever your plans, your property could play a key role in your family’s future.

31.08.2021

Mortgage price war seen reaching its peak as housing market activity begins to ease

Activity in the UK mortgage market eased during July as the stamp duty holiday began to taper off. Data from the Bank of England revealed borrowers were granted 75,200 loans to purchase homes during the month, down from 80,300 in June. That’s the lowest reading since July 2020.

19.08.2021

A mortgage price war is underway: here's what it means for you

With lenders battling for market share and cutting rates, Hina Bhudia, one of our Partners, offers further insights on what this means for homebuyers and remortgagers looking to secure a competitive deal.

05.08.2021

Two reasons to be positive about the current UK mortgage market

The Bank of England today opted to hold the base interest rate at a record low 0.1%. This means the cost of mortgage borrowing will remain lower for longer. Here are two more reasons to be positive about the current UK mortgage market.

28.07.2021

Room for improvement? Download our Q2 report

A national desire for home improvements is driving a surge of activity in the equity release market, as wealthy homeowners look to release funds to upgrade their properties. Read about this and more in our Later Life Finance Q2 report.

20.07.2021

Unlock the potential of your home

The over 55s are wealthier than ever. Thanks to careful investment and decades of rising property prices they hold the majority of property wealth in the UK; £3.1 trillion and rising. If you’re part of this generation, it’s time to discover how your property could hold the key to a brighter future that starts at home.

15.07.2021

Good news for borrowers as mortgage rates tumble and product choice soars

Mortgage product choice reached the highest level since the onset of the pandemic last month as lenders battled for market share. For the first time since June 2018, product choice increased at all loan-to-values (LTVs), most notably at 95% LTV.

14.07.2021

Dreaming of a home by the sea? Discover the mortgage options that make it possible

Waterfront and rural domestic getaways are booming, which is attracting interest in second homes and holiday lets. Favourable mortgage terms can enable purchasers to own their dream getaway while using Airbnb to cover the costs.

01.07.2021

Six reasons to make your move as the stamp duty holiday winds down

The stamp duty holiday tapered on 30th June, with the maximum saving falling to £2,500 from £15,000 until the end of September. However, could the end of the holiday produce a silver lining for those wanting to make their move as normality resumes?

29.06.2021

Mortgage lending: house prices surge ahead of the tapering of the stamp duty holiday

On Wednesday, the maximum saving as a result of the stamp duty holiday falls to £2,500 from £15,000. From lenders to conveyancers and solicitors, professionals are working “flat out” to get a bottle neck of deals through ahead of the deadline, according to Simon Gammon, Managing Partner of Knight Frank Finance.

24.06.2021

Record-low rates, record choice and a boon for first-time buyers: three things you need to know about mortgages

The mortgage market remains busy, with more mortgages approved in April compared to February 2020. Lenders are demonstrating their confidence in the economy by introducing new products at a rate of about 80 a week. To understand more about why, here are three things you need to know about the mortgage market right now.

22.06.2021

How your mortgage could be the solution to rising school fees

Mortgage finance can provide an effective way to manage the cost of school fees. Interest rates for a range of mortgage products are at or close to all time lows and house prices are climbing at their fastest pace since 2008. So now could be an opportune moment to consider your mortgage options ahead of the September school term.

17.06.2021

Why the very best advice is so important for older homeowners

As an older homeowner you may be thinking about releasing some of the wealth tied up in your home to help your children with a financial gift, to make home improvements, or redistribute your wealth and reduce the potential Inheritance Tax (IHT) liability. But this process can be complex, so it is essential you take the right advice from an expert who can explain the options available.

09.06.2021

Got a large deposit for your next home? For you, mortgage costs have never been so low

Mortgage costs for those with a deposit of at least 40% reached an all time low in May. The path of interest rates is likely to be upwards from here, according to Simon Gammon of Knight Frank Finance.

03.06.2021

Mortgage borrowing rises as lenders compete for new customers

Mortgage lending remains well above historic norms as homeowners seek more space and larger homes. A shortage of homes to buy, however, is placing an upper limit on the number of loans banks were able to grant.

02.06.2021

How to protect your financial gifts to your children

The over 50s have supported younger generations with £8.2 billion of gifts and loans since the start of the pandemic, and a large proportion of this has gone into property. But giving money away to help your children isn't as simple as it might seem.

28.05.2021

Surging inflation poses tough choices for wealthy borrowers

Inflation surged past the Bank of England’s target for the first time in almost two years this month. That leaves borrowers with choices to make, says Alex Ogario, Head of our Private Office.

24.05.2021

Know which properties are hot and get the finance right: how to grow and protect wealth in 2021 and beyond

More than a year on since Covid-19 sent shock waves across the world, experts from Knight Frank and Knight Frank Finance met to analyse key opportunities emerging across the real estate sector for investors. In this article, we highlight some of the key talking points from this discussion.

14.05.2021

Speed, certainty and control of the sales process: why it pays to buy and sell at auction

In this Q&A, Richard Watson, Head of Auctions at Knight Frank and Sanvir Dhillon, auctions finance specialist at Knight Frank Finance, discuss how auctions can relieve the stress of a property chain, what you should consider when it comes to the financing, and why it pays to build a relationship with your lender.

12.05.2021

Older homeowners look to improve rather than move

David Forsdyke, our Later Life Finance expert, discusses how homeowners over the age of 55 can use the equity in their homes for home improvements, and in many cases increase the value of their property.

06.05.2021

More growth, more products and more competition: five things you need to know about mortgages

Mortgage rates remain close to all time lows and there have been fewer better times to borrow against your home. To understand more about why, here are our latest five things you need to know about the mortgage market right now.

22.04.2021

Turning ‘Generation rent’ into ‘Generation buy’

In the wake of the Chancellor’s introduction of a 95% mortgage guarantee scheme for homebuyers with lower deposits, David Forsdyke, Later Life Finance expert at Knight Frank Finance, points out that parents and grandparents can also make a real difference when it comes to the younger generation buying their first property.

21.04.2021

Our Later Life Finance services explained

There is now a wide range of mortgage solutions available exclusively to homeowners over the age of 55. We established our Later Life Finance Team as specialist advisors in this area of mortgage finance, to provide advice on the options available within this growing market. Here is a brief overview of the opportunities we can help with.

19.04.2021

For wealthy individuals seeking to leave a legacy, Equity Release is becoming a key strategic tool

Equity Release is becoming a mainstay on the menu of financial advisors as the wealthy seek to redistribute funds to the young while managing their potential Inheritance Tax exposure, according to our Later Life Finance first quarter update.

19.04.2021

A mortgage lending boom is on the way

A new survey conducted by the Bank of England suggests lenders are ramping up for a boom in mortgage lending, fuelled by the rosy economic outlook and a desire to build market share. We look at three key findings to explain this shift.

13.04.2021

The recovery fuels property activity

It's clear the housing market has strengthened in recent weeks. The RICS UK Residential Market Survey for March shows sales market activity picking up sharply over the month, with indicators on enquiries, sales and new instructions all improving markedly.

09.04.2021

Choices increase and costs decrease for older borrowers

The Equity Release Council's Spring 2021 Market Report brings some welcome news for homeowners over the age of 55. As mortgage and equity release product choices increase, the associated costs have decreased in 2020 to make borrowing the cheapest it has ever been.

31.03.2021

From working patterns to tax breaks: here’s what’s driving borrowing

As buyers begin to establish what post-pandemic life looks like and with the extension of the stamp duty holiday, we expect housing market activity to remain well above historic norms over the coming months. Here’s what we think is driving borrowing.

26.03.2021

Generation X – caught between a rock and a hard place

With the majority of wealth being tied up in property, many in Generation X find themselves caught in a financial vacuum between their parents and their children. Our Later Life expert, David Forsdyke, explains how modern Equity Release products can help those who find themselves stuck between a rock and a hard place.

18.03.2021

From stamp duty to a new Help to Buy: five things you need to know about the mortgage market

From the stamp duty holiday, to high loan-to-value mortgages and a new Help to Buy, the first months of 2021 have been busy for the property market, and there’s more to come. Here are our experts’ five things you need to know about the mortgage market right now.

10.03.2021

All change: 95% mortgages are back and about to get cheaper

At least half a dozen lenders have signed up already to the mortgage guarantee scheme announced in the Budget last week, and it looks like rates for new 95% mortgages may come in under 2% when you fix for two years - that would be a game changer for large numbers of buyers when the scheme launches in April.

03.03.2021

Mortgage scheme announced in the Chancellor's budget for homebuyers with lower deposits

The Chancellor has announced a new low-deposit mortgage guarantee scheme in the Budget today. Under the scheme, which is not restricted to first-time buyers or new-build homes, the government will provide a guarantee to lenders to encourage them to offer 95% loan-to-value (LTV) mortgages.

11.02.2021

Mortgage market need to know: five pieces of (mostly) good news

If you’re considering purchasing a new home, remortgaging, or taking out a lifetime mortgage, these are five things you should know.

05.02.2021

An update on the mortgage market and what it means for you

It's good news in the mortgage market this week, with a combination of powerful market forces bringing mortgage costs down further.

15.01.2020

Hope for First Time Buyers as lenders introduce new products and cut rates

Major lenders are cutting rates and reintroducing products suitable for buyers with small deposits, in a sign that some normality is returning to the property market following the post-lockdown surge.

17.12.2020

The latest on the UK mortgage market

Rates on mortgages across the board are now creeping up, despite the Bank of England’s decision this morning to hold the base rate at a record low 0.1%.

Long-term deals are proving popular as borrowers seek clarity over their outgoings, and rates on five-year fixed products continue to look very compelling.

11.12.2020

Banks are lending to buyers with small deposits again: here’s what it means for you

The withdrawal of mortgage products for buyers with smaller deposits and borrowers with little equity in their existing properties was one unfortunate side effect of the pandemic. However new data has signalled that a change is underway.

02.12.2020

New service proves popular among homeowners with substantial property wealth

When we launched our later life finance service last year, we identified a growing number of homeowners with significant property wealth who wanted to release some of the equity they had built up. Financial advisers are increasingly including property assets alongside other sources of wealth when looking at potential enhancements to clients’ income, lifestyle and tax efficiency.

01.12.2020

Help to Buy is changing

Existing homeowners have just two weeks remaining to take advantage of the government’s current Help to Buy Equity Loan scheme before changes come into effect.

30.11.2020

Your buy-to-let property could do even more for you than you think

David Forsdyke, our Later Life Finance expert, explains how certain mortgage products can benefit older landlords with buy to let properties, in ways you might not expect.

26.11.2020

The private banks want your business, but you’ve got to be quick

Alex Ogario, head of our Private Office at Knight Frank Finance, explores how to navigate prime lending markets amid a shift in economic confidence.

20.11.2020

Income protection offers peace of mind against unforeseen illness

Across the UK, the second wave of Covid-19 has placed the livelihoods of tens of thousands of people under threat. This means income protection is growing in importance, which effectively acts as a replacement of sick pay benefits.

18.11.2020

Lifetime Mortgage rates start to rise

Two of the leading providers in this market, who were both marketing products at a record low 2.22% earlier this year, have signalled those products would be withdrawn and replaced with equivalent products at a rate of 2.51%.

11.11.2020

How a lifetime mortgage can help in pension planning and retirement

Growing numbers of pension savers have withdrawn money from their pension pots during the pandemic. In some circumstances, lifetime mortgages can provide welcome funds, as an alternative, to plug temporary financial pressures, or longer-term shortfalls in income. Find out more.

10.11.2020

Should I stay or should I go?

Restrictions on movement implemented to stem the spread of the pandemic have prompted a major rethink among vast numbers of homeowners about how and where they want to live. Tim Woods, partner and head of our Country Team, outlines what borrowers need to consider, whether they decide to move or stay put.

09.11.2020

What should I do if I can’t make my next mortgage payment?

The pandemic has placed acute pressure on the financial outlook for thousands of families across the country. Hina Bhudia explains what homeowners should do if they can’t meet their payments

05.11.2020

The base rate is held, in a bouyant and busy mortgage market

The Bank of England today held the base rate at a record low 0.1% and mortgage rates remain extremely attractive compared to historic norms.

30.10.2020

Mortgage approvals surge to highest monthly total since September 2007

Lenders approved 91,500 mortgages for house purchase in September and households borrowed an additional £4.8 billion secured against their homes in September. But what does this mean for borrowers?

29.10.2020

From wealthy homeowners to the aging population: here’s what’s driving the equity release recovery

The latest report from the Equity Release Council shows the equity release market is returning to normality. Our Later life finance expert David Forsdyke looks at the factors driving the recovery.

26.10.2020

Squeeze on mortgage rates extends to lower LTV mortgages

The rising cost of mortgages that has been squeezing many first time buyers out of the property market is expanding to include lower loan-to-value (LTV) mortgages as well.

07.10.2020

Are Lifetime Mortgage rates about to rise?

The markets are signalling Lifetime Mortgages could get more expensive, so now might be the time to lock in a deal, writes David Forsdyke, Head of Later Life Finance at Knight Frank Finance.

30.09.2020

Mortgage approvals soar to highest level since 2007 amid ultra-low borrowing costs

Many purchasers emerged from lockdown seeking to revisit how and where they want to live, all while the Bank of England’s base rate remains at an all-time low of 0.1%.

21.09.2020

Average rates for equity release products hit record lows as the choice of products grows

Later life finance expert David Forsdyke unpicks the latest equity release market data and considers the options available for consumers interested in accessing their property wealth.

18.09.2020

Bank of England holds the base rate at a record low and reignites the debate over negative rates

Most borrowers will benefit from rock bottom mortgage costs, but the market remains challenging for first time buyers and the self-employed.

17.09.2020

Base rate held at 0.1% - what does that mean for homeowners?

The Bank of England's decision to keep the base rate at 0.1% is great news for borrowers, and record-low mortgage rates continue to underpin an unprecedented surge in property market activity.

10.09.2020

Our first Equity Release Survey reveals a growing awareness of the sector’s products and that perceptions are improving through younger generations.

We constantly strive to improve the information and advice we give to homeowners, and the survey lays bare where the most work needs to be done, and which misconceptions still need to be addressed.

07.09.2020

Trans-Atlantic Trends: How are UK housing and New York office markets faring?

Patrick Gower, a consultant for Knight Frank, and Hina Bhudia, Partner in our Private Office, give their updates on the latest activity in the UK mortgage market: from mortgage holidays, to interest rates and how lenders are coping with the current demand.

04.09.2020

Home finance options for older homeowners are better than ever before

Older homeowners have more choice than ever before when it comes to borrowing or refinancing options. David Forsdyke, our Later Life Finance expert, discusses the current market.

02.09.2020

Mortgage approvals return to normal levels: here’s what you need to know

The Bank of England yesterday said mortgage approvals for house purchase hit 66,300 in July. That’s up 66% on June’s figure and is within 10% of February’s peak.

27.08.2020

Mortgage holidays are ending, here’s what you can do instead

Hina Bhudia, partner at Knight Frank Finance, says homeowners concerned about the end of mortgage holidays should consider other options.

26.08.2020

Older homeowners, first time buyers and the £3.1 trillion housing conundrum

We've launched a podcast episode as part of Knight Frank's Intelligence Talks series, looking at the UK mortgage market.

14.08.2020

Is now the time to secure a new fixed-rate mortgage deal?

Rates are still very low, and remain below levels seen in late 2019, but it’s possible they will continue to rise with so much economic uncertainty on the horizon.

13.08.2020

An update on the mortgage market from Alex Ogario, Head of our Private Office

Alex Ogario shares his insight on liquidity and lending appetites, fixed rate mortgages, lender attitudes towards complex transactions and lending to EU citizens.

07.08.2020

Buyers and renters seek holiday lets amid the decline in global travel

The outbreak of Covid-19 has, for the time being, transformed the way we think about holidays, but what does that mean for the housing and mortgage markets?

06.08.2020

Mortgage products to remain at or close to record lows for longer

The property market has surged back to life since its reopening in May. New business levels at Knight Frank Finance during July were among the highest they've ever been.

29.07.2020

Activity among house purchasers busiest in years amid clamour for low rates

It’s clear borrowers see now as a good time to reassess their finances due to a range of factors including the recent cut to stamp duty, successive cuts to interest rates, currency fluctuations and tax changes.

28.07.2020

A quick guide to CBILS

A CBIL is a Coronavirus Business Interruption Loan. The loan scheme provides financial support to smaller businesses affected by Covid-19. We can provide advice to trading businesses and make introductions for lending secured against a business premises. 

20.07.2020

A guide to buy-to-let mortgages

Buy-to-let taxation and finance has been subject to sweeping changes in recent years, so we’ve put together this guide with some key facts about buy-to-let mortgages, plus some tips on what to look out for.

16.07.2020

Mortgage applications through Knight Frank Finance climb 75% in June as borrowers seek to lock in low rates

New mortgage applications submitted through our mortgage brokers soared in June, underlining the strength of the market rebound as borrowers sought to capitalise on record low rates offered by lenders competing for new business.

09.07.2020

Top tips for homeowners seeking to help family members in financial difficulty

Our Later Life Finance expert David Forsdyke, explains what homeowners should consider when looking to borrow money against their home to support their family.

08.07.2020

Borrowers can access rock bottom mortgage rates as lenders battle for market share

As risk-averse lenders battle for business, borrowers with deposits of 40% of a property’s value or more are spoilt for choice.

01.07.2020

Take part in our equity release sentiment survey and be in with a chance to win £100 John Lewis vouchers

Whatever your age, we want to hear what you think about this increasingly popular product for homeowners over the age of 55. What you tell us will inform the information and communication we provide on equity release.

29.06.2020

Thinking about school fees?

Our own David Forsdyke in Knight Frank Finance has teamed up with the Independent Schools Show and Brewin Dolphin to host a special webinar to help parents as they plan their child's educational journey.

26.06.2020

First-time-buyers shut out of mortgage market can turn to family

David Forsdyke, our Later Life Finance expert, explains how grandparents could be the lifeline that first time buyers need right now.

25.06.2020

Two tier housing market emerges for borrowers with large and small deposits

A two tier housing market has emerged in the past fortnight as lenders have temporarily withdrawn from higher loan-to-value lending.

18.06.2020

Mortgage rates to stay low for longer

The Bank of England today held the base rate at 0.1%. This is good news and provides more stability as the mortgage market returns to normality.

17.06.2020

Mortgage Monitor: What would negative interest rates mean for mortgage borrowing?

Does it mean you won't have to pay interest on your mortgage? Should you wait for further cuts, even to zero, before you revisit your finances? We provide the answers.

16.06.2020

Arranging life insurance isn’t as complicated as you might think

As little as £25 a month gets you £700,000 in life insurance if you’re under 35, and we have a dedicated team in place to arrange the policy with no doctor’s reports or medical screenings.

11.06.2020

Mortgage Monitor: What can we learn from the lending that took place during Q1?

Despite the unprecedented changes we’ve seen in the lending environment, there are three important lessons we can learn.

03.06.2020

Mortgage Monitor: Approvals hit all-time low before surveyors returned to work

The scope of the property market freeze became clear on Tuesday when the Bank of England said mortgage approvals for house purchase fell 80% between February and April, says our Managing Partner Simon Gammon.

03.06.2020

Equity Release: a letter to the editor

David Forsdyke, our Later Life Finance specialist, shares his recent letter to the editor of The Times.

28.05.2020

Mortgage Monitor: Product numbers climb 14% since depth of the crisis

Borrowers now have 8,450 mortgage products to choose from, up 14% from the depth of the crisis six weeks ago

26.05.2020

Equity Release market shows encouraging signs of re-emerging from lockdown

The Equity Release market is slowly re-introducing physical valuations, there are encouraging signs for interest rates, and we have adjusted how we deliver advice.

20.05.2020

Mortgage Monitor: Lenders reintroduce products as normality starts to return

Mortgage lenders are reintroducing products withdrawn during the Covid-19 crisis following the resumption of property market activity a week ago.

19.05.2020

The mortgage market comes out of lockdown

The resumption of housing market activity has transformed the lending landscape, with banks now able to begin physical inspections that will allow them to clear a backlog of mortgage applications.

13.05.2020

Housing market to reopen from today

The housing secretary Robert Jenrick has outlined plans for a careful, measured reopening of the housing market, beginning today.

06.05.2020

Borrowing in a crisis? Give yourself time, be open minded and expect lenders’ behaviour to diverge

Alex Ogario, Head of the Private Office at Knight Frank Finance, gives his top tips to borrowers seeking to purchase a new home, or remortgage their existing property during the outbreak of Covid-19.

05.05.2020

Lenders introduce remote valuations for older homeowners needing finance in lockdown

Lenders are enabling older homeowners to access a wider range of mortgage products while in lockdown by accepting remote valuations that don’t require visits to a property.

28.04.2020

Use lockdown as an opportunity to tick off some of that “life admin"

Here are two important reasons why your life insurance is worth prioritising during the lockdown

23.04.2020

Lifetime Mortgages can help plug the gap in retirement income while your pension fund recovers

The Association of British Insurers (ABI) have raised concerns over people accessing too much of their pension pots, or taking funds out too early, to make up for financial losses experienced during the coronavirus lockdown.

22.04.2020

‘Frozen’ mortgage market thaws as lenders raise LTVs, embrace desktop valuations, hunt for business

The property market will continue to face some form of disruption for many weeks, however it is clear lenders are adjusting to the new conditions, albeit slowly.

17.04.2020

An Equity Release market update

Lifetime Mortgage lenders and solicitors are finally getting to grips with the coronavirus lockdown, but what has this period of change meant for those who are considering Equity Release?

16.04.2020

Banks make changes to mortgage products at unprecedented rate

Mortgage lenders continue to overhaul product lines and adjust their lending criteria in an attempt to control the flow of business as they grapple with restrictions on movement.

08.04.2020

Some good news for home buyers, as mortgage lenders ease rules on valuations

Private banks that had been struggling to lend amid the upheaval caused by the outbreak of Covid-19 are beginning to adjust to the new conditions by accepting valuations remotely.

31.03.2020

Lenders overhaul product offerings amid mortgage market upheaval

Banks are making sweeping changes to their product offerings as they grapple with restrictions on movement and unprecedented call volumes.

30.03.2020

Q&A for homeowners over 55

During this period of uncertainty, David Forsdyke, our Later Life Finance expert, answers some frequently asked questions from homeowners in their 50s and over.

27.03.2020

Navigating the mortgage market during times of uncertainty

For many people, recent global events have brought with them a new imperative to obtain a cut in their outgoings. As banks alter the way they operate to adjust to the evolving situation, these are the three most important themes existing homeowners should be aware of before seeking to remortgage.

24.03.2020

Borrowers seek to minimise outgoings amid Covid-19 outbreak

The mortgage market is likely to remain busy over the coming months, though there will unquestionably be shifts in types of lending carried out as the effects of Covid-19 begin to take hold and borrowers seek to minimise their outgoings amid the prevailing economic uncertainty.

23.03.2020

How can I obtain a mortgage holiday? Q&A

Lenders have been cooperating with the government to offer payment breaks known as ‘mortgage holidays’ for those in need. Here, we answer some frequently asked questions.

19.03.2020

Here to help

As the COVID-19 situation continues to develop, please be assured we remain resolutely committed to safeguarding the health and security of our people and you, our valued clients and customers.

13.03.2020

Improve your retirement through your mortgage

We are seeing Later Life Finance play an increasingly important role for retiring home owners who have not saved enough into their pensions and other investments. Many are turning to the wealth built up in their property to top up their income.

12.03.2020

Housing wealth can alleviate the impending elderly care crisis

The elderly care sector is facing a financial crisis. However, David Forsdyke, our Later Life Finance expert, explains how housing wealth can help close the gap in funding.

11.03.2020

The Bank of England cuts the UK base rate back to record low

Today’s decision is likely to mean that anybody on a tracker mortgage will see an immediate and significant cut in their mortgage costs. It will also in due course likely affect the pricing of fixed-rate mortgages.

06.03.2020

Lenders are introducing new products at a rate of more than three a day

The number of mortgage products available has climbed 9.3% in the past twelve months. That’s a rate of more than three a day for a year.

03.02.2020

Knight Frank Finance responds to Equity Release Council’s latest figures: “Equity Release is still growing” says David Forsdyke

Older homeowners withdrew £3.92 billion of housing equity during 2019, a four-fold increase on the £946 million taken out a decade earlier, according to data released by the Equity Release Council today.

30.01.2020

Base rate held as property sales pick up

It’s no surprise the Bank of England has held the rate at 0.75%, rather than a much mooted rate cut, considering the uncertainty that remains over the UK’s future relationship with the EU.

09.01.2020

The myths and misunderstandings about Equity Release: 2020 update

Equity Release is becoming an important part of financial planning for many homeowners. Home improvements, repaying debts, helping younger family members, and reducing Inheritance Tax are just a few of the reasons why individuals are releasing the wealth built up in their homes.

19.12.2019

The mortgage market after the general election

As we approach the festive period, a sense of stability has returned to UK politics. Some lenders are already re-pricing their fixed-rate deals to reflect the changed economic outlook and we are seeing a bottoming out of interest rates.

26.11.2019

Lifetime Mortgage vs Retirement Interest Only Mortgage - what's the difference?

Our Later Life Finance expert David Forsdyke explains some of the key differences between two mortgage products used by older home owners; Lifetime Mortgages and the Retirement Interest-Only (RIO) Mortgage, which on the surface can appear similar.

07.11.2019

Ultra-low mortgage rates fall further ahead of UK general election

If you’re looking to fix your mortgage at the moment, you are increasingly spoilt for choice, with five-year fixes available on a 60% loan-to-value basis at less than 1.5%

06.11.2019

Wealthy home owners are turning to Equity Release

David Forsdyke, our Later Life Finance expert, explains why increasing numbers of wealthier home owners are turning to Equity Release.

29.10.2019

Can I use Equity Release to buy a new home?

David Forsdyke, Equity Release expert, explains how Equity Release is not only for raising money against your current home. It can also really help you when you move home.

10.10.2019

Buy to let in later life - how investment property can make a difference in your retirement

David Forsdyke, our Later Life Finance expert, talks about the growing range of options designed specifically for older landlords, and how they can make a difference in ways you might not expect.

04.10.2019

Why 2019 is a great year to buy in London

Alex Ogario of Knight Frank Finance’s Private Office explores some of the reasons why, despite popular opinion, 2019 represents a fantastic opportunity for those looking to buy in London.

23.09.2019

The myths and misunderstandings about Equity Release

David Forsdyke, Equity Release expert at Knight Frank Finance, clears up some common myths about this rapidly expanding market.

20.09.2019

Vote for us for Broker of the Year 2019

We need your votes to make the shortlist of this year's Mortgage Introducer Awards.

19.09.2019

Mortgage Market Update

Simon Gammon, Managing Partner of Knight Frank Finance, shares his thoughts on the mortgage market.

17.09.2019

Trusted financial advice, globally

As well as being one of the UK’s leading independent mortgage advisors, Knight Frank Finance has a breadth of knowledge in all aspects of specialist lending.

12.09.2019

Why would the wealthy use Equity Release?

Equity Release is often seen as a last resort; a way for those short of money to solve their problems after all other options have been eliminated. But in reality, Equity Release can be a shrewd financial decision.

27.08.2019

How the Bank of Mum and Dad is helping first-time buyers

The ‘Bank of Mum and Dad’(often referred to as BOMAD) is becoming more and more important in today’s property market.

15.08.2019

How can my property top up my income in retirement?

David Forsdyke, Later Life Finance expert, explains why Equity Release is increasingly becoming part of retirement planning.

09.08.2019

The number of people borrowing money later in life is continuing to rise

David Forsdyke of Knight Frank Finance explains why.

02.08.2019

Homeowner over 55? Why the right advice is so important

Knight Frank’s Later Life Advisers are on hand to help you make the right financial decisions.

01.08.2019

Interest rates are unchanged in August as monetary policy and residential property markets remain in a holding pattern

Rates remain low, lenders are keen to lend and now is a great time to hedge against future uncertainty by taking out a fixed-rate mortgage.

08.07.2019

Our new Later Life Finance service: the first of its kind in the property sector

Knight Frank Finance, part of the Knight Frank group, has launched a Later Life Finance team, making us the first major player in the property sector to offer this service to those aged over 55s.

20.06.2019

Mortgage rates to remain competitive for the time being

The outlook for UK politics is unclear, which means the arguments for fixing your mortgage rate now become more compelling. Faced with the possibility of more volatility over the next several months, fixing your rate would give you peace of mind.

02.05.2019

Ongoing uncertainty prolongs competitive mortgage market

As Theresa May and Jeremy Corbyn attempt to strike a cross-party Brexit deal, the uncertain political backdrop has caused some buyers and sellers to hesitate.

21.03.2019

Brexit uncertainty continues to underpin mortgage market

Pent-up demand has built within property markets in recent months as political uncertainty has grown.

07.02.2018

The mortgage market remains favourable for borrowers

Although The Bank of England wants to normalise interest rates, political uncertainty generated by the UK’s departure from the EU has put this ambition on ice.

18.01.2018

We’ve agreed an introducer partnership with Audley Group

We have agreed an introducer partnership with Audley Group, the UK’s leading provider of retirement villages, to offer bridging loans to prospective purchasers.

20.12.2018

The latest mortgage advice as the base rate remains at 0.75%

If you are shopping around for a mortgage, the New Year is likely to bring more glad tidings than Christmas.

17.12.2018

UK loans for remortgage at highest level in a decade

The number of UK loans issued for remortgages during the third quarter of 2018 was 120,400, the highest level since Q3 2008.

01.11.2018

Our latest advice on UK mortgages

UK Finance data shows that more borrowers are fixing their mortgages, in light of political uncertainty around Brexit.

13.09.2018

London's most sought after luxury homes in 2019

London's luxury developments on the market through Knight Frank and as featured in 2018's Private View.

12.09.2018

The latest advice on interest rates

After the Bank of England raised the base rate to 0.75% in August, the one fact that seems almost certain is that interest rates are unlikely to rise again this year.

04.09.2018

Capturing Chinese Wealth: Why property is still number one for Chinese investors

Knight Frank’s Private Wealth Intelligence Unit in Beijing reports on why property is still number one for Chinese investors.

Read more

08.08.2018

Brexit and London Finance

Uncertainty still surrounds the outlook for London’s financial cluster, but the expected impact is looking far less worrying than it did back 2016.

02.08.2018

The base rate has risen to 0.75% today

The Bank of England has increased the base rate to 0.75%, signalling the beginning of the end for a period of accommodative monetary policy.

18.09.2017

Access all areas: The rise of private jet travel

When it comes to getting around Europe quickly and comfortably, taking a private jet is a much more flexible option than travelling on commercial airlines.