Cyborg Finance

Mortgage Market News

Bank of England Housing Update (July 2026)

Six-to-three vote to hold at 3.75%

Your 6-month window to insure against mortgage rate rises

Do not wait until your deal ends and you slip onto your lender's standard variable rate.

New 2% deposit mortgage

First Step stands out for what it allows. It accepts gifted deposits, lends on new-build houses, and considers self-employed applicants.

Ask your accountant about Family Investment Companies (FICs) and BTL

Mortgage Advisers now have lenders who are comfortable with Family Investment Companies (FICs).

Fraudsters tried to steal 55 UK homes last year by faking ownership

Criminals steal your identity and forge a few documents. They then sell your home, mortgage it, or transfer ownership. AI is making it worse. Forged documents now slip past checks built for an older era of fraud.

Your home's value crept up in June 2026

Nationwide says all 13 UK regions posted price rises in the second quarter; however, the market isn't booming or busting. It's treading water, waiting for clarity.

Half of Gen Z fear their credit score will cost them a home.

New research found that 49% of Gen Z adults worry their credit history will block them from buying a home in a survey of 2,000 UK adults aged 18 to 28.

Mortgage approvals hit an 18-month low. Should first-time buyers wait or move?

"If you are ready to move, conditions are more favourable than they were three months ago" says Zoopla

Existing TMW mortgage? Borrow £15k at 2.99% for green upgrades

2.99% with no product fee, open to its existing TMW buy-to-let landlords

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.