https://thesurreymortgagebroker.co.uk/bousfields-blog daily 0.75 2025-11-27 https://thesurreymortgagebroker.co.uk/bousfields-blog/budget-november-2025 monthly 0.5 2025-11-27 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1764241040879-YE7UET5K8O9ZIICRM4WW/unsplash-image-ZVprbBmT8QA.jpg Bousfield's Blog - Budget November 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/is-your-new-home-gas-safe monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588393733-VD64U2WBVSDEHGVFU8GQ/gas+burner.png Bousfield's Blog - Is your new home gas safe? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/top-things-to-do-in-farnham monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/helping-the-next-generation-how-parents-can-support-their-children-onto-the-uk-property-ladder monthly 0.5 2025-10-09 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/459f8888-346a-4ea1-9c97-3a4d48ad6dbb/Helping+kids_table_updated.png Bousfield's Blog - Helping the Next Generation: How Parents Can Support Their Children Onto the UK Property Ladder - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/uk-mortgages-for-foreign-nationals monthly 0.5 2025-10-09 https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-interest-rates-whats-going-on-and-whats-next monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/bank-of-england-governor-andrew-bailey-hints-at-big-interest-rate-cuts monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/lbgefodse51atqg90zgwncz69gv7q7 monthly 0.5 2024-10-07 https://thesurreymortgagebroker.co.uk/bousfields-blog/should-i-fix-my-mortgage-now monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/2719a2e7-5a6b-4a00-bfc9-5254c6bcfb1b/Compare+deals.png Bousfield's Blog - Should I fix my mortgage now? - Make it stand out OUTCOME: Over 2 years, she would pay £2,735 more on a 2-year deal vs. a 5-year deal. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/6a14fd82-c999-4e83-b1a6-32769bbe94fb/Scenario+1.png Bousfield's Blog - Should I fix my mortgage now? - Make it stand out OUTCOME: Based on the below assumptions the fixed rate deals should be 4.63% or less at LTV of 75% to make her better off over the 5-year period. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/246f8df6-9d7b-4788-bb89-0f5a1956ba72/Scenario1_graph.png Bousfield's Blog - Should I fix my mortgage now? - Make it stand out *Source: Bank of England Database: Monthly Interest rates of UK monetary financial institutions (excl. Central Bank). OUTCOME: Last time we saw this level of fixed rates was in January 24 when BOE rate was 5.25% with a positive economic outlook. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/231484d2-7352-4776-96d4-1afe53ca7900/Scenario+2.png Bousfield's Blog - Should I fix my mortgage now? - Make it stand out OUTCOME: Fixed-rate deals need to be 4.21% or less at an LTV of 80/85% to make her better off over the 5-year period. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/a367dc9e-cfc3-4f71-bca5-e1d07bb91b67/Scenario+2_graph.png Bousfield's Blog - Should I fix my mortgage now? - Make it stand out OUTCOME: Last time we saw this level of fixed rates was in September 22 when BOE rate was 2.25% with a negative economic outlook. https://thesurreymortgagebroker.co.uk/bousfields-blog/navigating-and-maximising-opportunities-in-todays-mortgage-market monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-news-uk-could-this-pique-your-interest monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/navigating-regional-trends-and-brokerage-guidance monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-interest-rate-war-2024 monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/navigating-the-autumn-statement-mortgage-broker-surrey-advice monthly 0.5 2023-11-30 https://thesurreymortgagebroker.co.uk/bousfields-blog/uk-homeowners-guide-to-common-winter-home-issues monthly 0.5 2023-11-06 https://thesurreymortgagebroker.co.uk/bousfields-blog/understanding-bank-of-england-interest-rates-what-lies-ahead-for-borrowers monthly 0.5 2023-10-06 https://thesurreymortgagebroker.co.uk/bousfields-blog/how-to-reduce-your-electricity-energy-bill monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588404294-DP6MKFZ25G3D4XE0AYM4/solar+panels.png Bousfield's Blog - How to reduce your electricity energy bill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/why-buy-new monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588375746-G22IHQ6BBVM1100PSYCK/funky+kitchen.png Bousfield's Blog - Why buy new? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/lets-get-physical monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588399394-MCTC8LEWQ210V5U2X6RV/home+gym.png Bousfield's Blog - Let's get physical - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/changing-rooms monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588436463-DWVW3BGCEWA5O7IW306O/Red+wall.png Bousfield's Blog - Changing rooms - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/stamp-duty-land-tax monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1674588421567-MUTOZCK9MIL0T3NJ2U4Z/stressed+couple.png Bousfield's Blog - Stamp Duty Land Tax - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/signs-its-time-to-make-that-next-move monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1647513044069-LM439M9LK97ZDOBSAOT4/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - Signs It's Time to Make That Next Move - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/boost-your-homes-value monthly 0.5 2023-01-04 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1573678148364-L23H05OKZLGNVC4LX0WF/Home-improvements-1024x682.jpg Bousfield's Blog - Boost Your Home's Value - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/what-should-i-do-if-im-struggling-to-pay-my-mortgage monthly 0.5 2022-12-28 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1571835784670-0ND97WDIF6DR8B6ZMUZ7/288702-P6NYID-502-1024x683.jpg Bousfield's Blog - What Should I do if I'm Struggling to Pay My Mortgage? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/wealth-distribution monthly 0.5 2022-12-21 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1575377884597-CJN1SMRZ6B281B1UOK3T/Bank-of-England-Base-Rate-%E2%80%93-Don%E2%80%99t-Believe-the-Hype.jpg Bousfield's Blog - Wealth Distribution - Bank of Mum and Dad - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/getting-a-mortgage-when-youre-self-emlpoyed monthly 0.5 2022-12-14 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1659534637883-CSF5IOYCVM61SJ4SJ4U0/woman+reading1.png Bousfield's Blog - Getting a Mortgage when You Are Self Employed - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/the-rental-factor monthly 0.5 2022-12-07 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1573481713180-YCR2WVFB3WYLVG83BQG6/business-protection-insurance-uk.jpg Bousfield's Blog - The Rental Factor - Landlord Dilemmas - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/moving-home monthly 0.5 2026-02-03 https://thesurreymortgagebroker.co.uk/bousfields-blog/retirement-location-location-location monthly 0.5 2022-11-23 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1572291026438-QI92AQGBYUCESNNXI0TB/Wasdale-Image.jpg Bousfield's Blog - Retirement location, location, location - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/joint-borrower-sole-proprietor-mortgage monthly 0.5 2022-11-16 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1649882340301-1O156KOC5P74AS4T68AL/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - What is a Joint Borrower Sole Proprietor Mortgage? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-market-uncertainty monthly 0.5 2022-11-07 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1617022444173-X7DYXPRLZ8J597KQAMZE/couple-considering-mortgage-options-article-image.jpeg Bousfield's Blog - Mortgage market uncertainty - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/bank-of-england-raises-rate-again monthly 0.5 2022-11-03 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1575377884597-CJN1SMRZ6B281B1UOK3T/Bank-of-England-Base-Rate-%E2%80%93-Don%E2%80%99t-Believe-the-Hype.jpg Bousfield's Blog - Bank of England Raises Rate Again - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/taxing-times monthly 0.5 2022-10-31 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1575379822525-ZLE5D7MQ9GIROJT61COE/Mortgage-Agreements-In-Principle.jpg Bousfield's Blog - Taxing Times - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/long-term-rental-sector monthly 0.5 2022-10-24 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1c76d8df-f8c1-47e7-ad13-544dd2543eca/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - Long-Term Rental Sector - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/its-a-sprint-not-a-marathon monthly 0.5 2022-10-17 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1601543055140-BUPBQ0LFYONA84PD2PRP/mortgage-prison-prisoners-chain-lock-2-764x399.jpg Bousfield's Blog - 'It's a sprint, not a marathon' - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/why-are-mortgage-rates-so-high monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1665488399200-ZFB3P72M7UEBVM0V7CLQ/unsplash-image-2_K82gx9Uk8.jpg Bousfield's Blog - Why Are Mortgage Rates so High? - Make it stand out Bank of England https://thesurreymortgagebroker.co.uk/bousfields-blog/first-time-buyers monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1575381068352-30ZVKFLRINATQX0YEYNK/5-Common-Mistakes-To-Avoid-If-You-Are-A-First-Time-Buyer.jpg Bousfield's Blog - First-Time Buyers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/energy-efficiency monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1573678346204-8YUIZJ85OYICLHA7VJS9/Mortgage-921948.jpg Bousfield's Blog - Energy Efficiency - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/move-on-up monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1641554800303-JEAOAMWXT4138ATHHZO1/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - Move On Up - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-affordability monthly 0.5 2022-09-12 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1575378159265-PHB2ZQ0JT46P2UIGBFFT/Inflation-Interest-Rates-and-House-Prices.jpg Bousfield's Blog - Mortgage Affordability - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/mortgage-market-review monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1617023289384-2PF4VT03F5UKKYL9X061/houses_rooftops_2.jpeg Bousfield's Blog - Mortgage Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/what-is-mortgage-underwriting monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1659534637883-CSF5IOYCVM61SJ4SJ4U0/woman+reading1.png Bousfield's Blog - What is Mortgage Underwriting? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1659534764020-2ZJ394V19UJCWLTXJQR8/Woman+glasses+pen.png Bousfield's Blog - What is Mortgage Underwriting? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/interest-rates-are-rising-what-could-it-mean-for-your-mortgage monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1653315849425-BVOSW0AUSKCZNDXVMD48/Lounge+view+1.png Bousfield's Blog - Interest Rates Are Rising - What could it mean for your mortgage - Make it stand out Interest Rates Are Rising - What could it mean for your mortgage https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1653315443205-Z680Y5NI3YGLRATVPVQH/apartment+block+1+white.png Bousfield's Blog - Interest Rates Are Rising - What could it mean for your mortgage - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/financing-home-improvements monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/boost-your-credit-score monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/time-to-review-your-mortgage monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/renting-to-students monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1c76d8df-f8c1-47e7-ad13-544dd2543eca/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - Renting to Students - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/are-you-sitting-on-a-goldmine monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/top-tips-for-selling-a-home-in-winter monthly 0.5 2025-10-20 https://thesurreymortgagebroker.co.uk/bousfields-blog/housing-market-predictions-for-2022 monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/c454c9e1-0761-4976-80c0-c7e2759bf513/GPL9013150_TheSurrey_issue5_Spreads+%281%29.jpg Bousfield's Blog - Housing market predictions for 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/d167922f-9e54-46b1-a747-21c8fb732d5e/sold.jpg Bousfield's Blog - Housing market predictions for 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/selling-an-inherited-property monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1631811861867-5GNAH680MXD555YLGV96/m%26pmag_issue3_TheSurrey_spreads.jpg Bousfield's Blog - Selling an inherited property - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/is-your-home-worth-more-than-you-think monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1629817663211-PYOP48LHZ2K8HYC05IAN/m%26pmag_issue3_TheSurrey_spreads.jpg Bousfield's Blog - Is your home worth more than you think? 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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1624628887135-PJ5VUZ62L5OGN9NLVZHH/The+Surrey+Mortgage+Broker+Quarterly+Mortgage+%26+Property+Magazine+Winter+2021.jpg Bousfield's Blog - Should I overpay my Mortgage? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/buy-to-let monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1623416868400-1NIPKZCEH88NUAR21X8C/house.jpg Bousfield's Blog - Buy-to-Let - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1623417359946-XA3C5UHWE91VSF6HUF7E/yellow+door.jpg Bousfield's Blog - Buy-to-Let - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1623417496789-B3N5SPI0UEME2WT5AAIS/couple.jpg Bousfield's Blog - Buy-to-Let - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://thesurreymortgagebroker.co.uk/bousfields-blog/can-i-obtain-a-mortgage-if-im-self-employed monthly 0.5 2025-10-20 https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1620738241018-R8UPQVRYEP71U8XS5LZD/table.001.jpeg Bousfield's Blog - Can I obtain a mortgage if I'm self-employed? 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Make it stand out We understand that each client is different and has its own unique set of circumstances and objectives We are attentive to your specific requirements allowing us to explore the most suitable mortgage avenues for your situation quickly https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1720433405715-PF119L8FOSADDP14RXYI/image-asset.jpeg Maria Dankova (Calendly) - Make it stand out We always monitor the market for best deals and new schemes Our in-depth knowledge of the lenders and their criteria underpinned by the latest technology allow us quickly to zoom in on the best options for the clients https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1720433381176-BT83A7RFM8GE34G12OL3/image-asset.jpeg Maria Dankova (Calendly) - Make it stand out We discuss available options with you, using our proprietary rate comparison tool to help clients to make more informed decisions We ensure that all documents are in place to speed up the execution https://images.squarespace-cdn.com/content/v1/5da6f16f5e5bad78660299ff/1720433338255-O0JY4FZPPL3V10S0KLVK/image-asset.jpeg Maria Dankova (Calendly) - 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