Act Now to Secure Low Rates Ahead of Brexit

Brexit - accidental landlords

Recent weeks have seen the UK Government tasked with making some of the most historic decisions we will see in our lifetimes, changing the course of history and affecting future generations for years to come.

In the midst of all the speculation and debate, it can be easy to lose sight of the effect Brexit is already having on the mortgage market[i] and the impact for all current and prospective mortgage holders – whether they’re real estate investors, buy-to-let landlords, first time buyers, foreign nationals, ex-pats or ordinary homeowners.

We cannot predict the long-term outcomes of Brexit, but we can share our expertise with those who matter most; our clients.

What we can confidently say that you should be looking to review your mortgage, or get a new mortgage arranged ahead of Brexit, tabled for the end of March.

Lenders are jostling to offer the most advantageous interest rates and – whether we leave with a deal or crash out of the EU – the impact on our economy will be significant. Funding lines may be affected, which will make lending more difficult. Getting a mortgage deal now acts as an insurance policy, as offers are usually valid for six months.

October 2018 saw the highest remortgaging rates in almost a decade.[ii] Conversely, approval rates from High Street banks sank by 20% in November 2018 compared to the same month in 2017.[iii] These figures tell us that swathes of people are heeding advice to remortgage, and they’re finding solutions in the specialist mortgage market.

Our heritage as the UK’s first specialist large mortgage broker gives us a unique position as a specialist with access to bespoke lending solutions through a global network of more than 200 providers. When our competitors have exhausted all options, they pick up the phone to us. 99.9% of the time we find a solution where others draw a blank.

Don’t be put off if you think your mortgage ‘isn’t large enough’. We specialise in HNWIs but our clients come from all backgrounds. Often they just don’t ‘tick the boxes’ for really simple reasons – perhaps because they’re self-employed, retired or have a complex income stream.

Whatever your situation, there is no better time to seek advice from our expert team of advisers so get in touch to find out how we can help.




Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Changes in the exchange rate may increase the sterling equivalent of your debt.

Our insights

We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.