UK Newsletter - April 2025
- OMF Marketing department
- Mar 28
- 3 min read
Welcome to our New UK OMF Blog!
We will bring you the latest property, market and products updates for the UK Market, in clear and to the point articles, every month.
In this month's issue we explore the planned shake up on FCA regulation, delve into the Bank of England Base rate and where it could go. Plus, we focus on the the most competitive remortgage products available.
FCA Clears Outdated Regulations to Support a Stronger Financial Market
The Financial Conduct Authority (FCA) has announced a major clean-up of outdated regulations, removing over 100 pages of legacy guidance on financial products such as mortgages and investments. This effort also includes retiring old supervisory publications that no longer reflect the current financial landscape.
The changes are designed to make the financial system more efficient and easier to navigate—not just for firms, but for consumers too. By cutting unnecessary red tape, the FCA is helping to streamline the way financial services operate, reducing complexity and supporting a more responsive, modern market.
These updates form part of a wider government-backed push to encourage growth in the UK economy by ensuring regulation is clear, relevant, and fit for purpose.
This is a positive step forward for the industry, creating a more transparent and client-focused environment that benefits everyone.
Bank of England Base Rate Outlook: What to Expect This Spring
The Bank of England base rate remains at 4.5%, where it’s been held steady as part of ongoing efforts to stabilise the economy and ensure inflation continues its downward trend. With inflation easing, markets are now predicting the first rate cut could come as early as June, depending on continued economic progress.
This could mean better mortgage rates on the horizon, especially for those coming to the end of a fixed deal.
Thinking ahead? Now’s a great time to review your options — we’re here to help you plan your next move.
Best in Market: The Top Remortgage Products
If your current fixed rate mortgage is nearing its expiry date — or if you are just planning ahead—now’s the time to act!
Lenders are stepping up their game when it comes to Remortgage Products and are starting to compete again for your business.
We have hand-picked two of the most competitive fixed-rate remortgage products currently available, for clients looking to lock in the most efficient product and give themselves peace of mind and control of their future monthly instalments.
Whether you’re after short-term flexibility or long-term certainty, these standout deals offer the best value, today.
2-Year Fixed – A Smart Short-Term Play
Looking for flexibility and a short term fixed period, but without compromising on rate? This deal delivers:
3.06% fixed until 30th June 2027
Free valuation and legal fees
Suited for clients anticipating future rate reductions or short-term plans
Up to 60% Loan To Value
5-Year Fixed – Stability Through to 2030
A longer fixed period offers comfort and long-term security, eliminating financial uncertainty.
3.96% fixed until 31st May 2030
Free standard valuation and legal fees
Portable and allows up to 10% overpayments annually
Up to 60% Loan To Value
Why Act Now?
Timing is everything — and while the mortgage market continues to shift, our focus is on helping you make the most informed, cost-effective decision for your circumstances.
Whether your current rate ends soon or further down the line, a quick conversation could uncover ways to reduce costs, simplify your finances, or simply give you peace of mind.
We’ll always be upfront, transparent, and focused on what’s right for you — no pressure, just honest advice to help you plan with clarity and confidence.
Fancy a chat?
We’re here to help you explore your options and guide you through your next steps with confidence.
📩 Book a free consultation to get started.
Mortgages Without Borders
While we know the UK mortgage market inside out, we also specialise in international mortgage finance. Whether it’s a sunny villa in Spain, a ski chalet in the Alps, or a pied-à-terre in Paris, we specialise in helping clients secure property finance overseas.
With over 13 years experience Overseas Mortgage Finance understand the process, lenders, regulation and policies to ensure the buying process a whole lot simpler and understandable.
So if you’re thinking beyond the UK, we’re the team to talk to.
Information in this article is correct as of 28/03/2025
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