Mortgage rates vs reality. When the world feels uncertain, it’s natural to pause, wait and see how things unfold. For many people that can mean putting plans to move home on hold, but what if waiting isn’t always the smartest option?
We’ve had a chat with the team at MAB New Homes, one of our new build mortgage specialist panel, to explore why now might actually be the best time to move. Here’s what they had to say…
Mortgage rates vs reality
We’ve seen lots of turmoil in the mortgage market over the last five weeks thanks to recent global events. Although mortgage rates have been rising due to market uncertainty, they remain lower than they were following the notorious Truss mini budget and now is the time to act if you’re thinking of buying a property because any delay securing a deal could mean paying a higher rate. Get in now or potentially miss the boat.
Flexibility if rates improve
Securing a mortgage deal now means you lock in to today’s deals and, if rates fall prior to completing the house purchase, we can switch to another deal prior to completion if rates improve. Lock in now and potentially switch if rates fall. Remember too, that some lenders offer penalty-free deals, so you can potentially switch product even after your move!
House price growth = Equity opportunity
House prices are forecast to grow 2-3% over the next 12 months providing an opportunity to build up equity*. March ’26 saw prices rise again by 0.9% according to Nationwide.
Lender innovation supporting buyers
Lenders continue to innovate, allowing family members’ incomes and savings to be used in addition to that of the purchaser. This helps to support those where there may be a deposit and/or affordability gap.
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If you’ve been thinking about making a move, now’s a really great time to talk to our team at Newland Homes, PLUS our zero carbon homes make you more energy independent due to your home being well insulated, efficient and solar PV generating its own power to heat and light the home. This means less reliance on the grid and wholesale electricity price volatility, continuing to save you tens of thousands of pounds over the life of a 25 year mortgage.
To view our developments and properties visit the FIND A HOME page.
* A mid range growth forecast figure based on Nationwide quoting 2-4% and Halifax 1 -3%, with others forecasting less. March 2026.
Newland Homes Limited is a property developer registered in England and Wales number 2582221.
Registered office: Brighouse Court, Barnett Way, Barnwood, Gloucester, GL4 3RT.
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