ABOUT CAREERS NEWS LIBRARY WORK WITH US +44 (0) 20 3797 8268 EMAIL Mortgages Insurance Specialist Lending Borrowing Into Retirement Private Office Green Finance Calculators Contact Us NEWS 12.11.2021 How to get the right life insurance cover, and why it’s so important UK life insurance customers who are tied into 25-year policies could be overpaying as much as £1.2bn every year, according to life insurance company DeadHappy. So how do you know your policy is fit for purpose and how do you make sure you take out the right policy for you? Knight Frank Finance head of insurance, James Jones, explains. Read more 11.11.2021 How equity release can help with pension planning and retirement Pension pots have come under increasing pressure over the last 18 months. Fuelled by the pandemic, a total of 383,000 people withdrew from their pensions during Q1 2021, according to the latest HMRC statistics, representing a sizeable £2.6bn. Find out how lifetime mortgages can be part of the solution to plug temporary financial pressures. Read more 10.11.2021 Deposit Unlock: new homes for first-time buyers and second steppers Rising house prices across the UK have made homeownership unobtainable for many and a challenge for most. The new low-deposit mortgage scheme called Deposit Unlock, enables budding buyers and existing homeowners a chance to buy a home with just a 5% deposit. So how does it work? Here’s all you need to know. Read more 09.11.2021 Talk Money Week: Thinking about becoming a landlord? Here's what you need to know In the wider UK market, rental properties continue to be the source of strong demand, with rents climbing 1.3% in the 12 months to September 2021, according to official figures. So, is now a good time to become a landlord? And if so, what do you need to know from a financing perspective? Read more 08.11.2021 Talk Money Week: Is now the time to fix your mortgage rate? With mortgage costs beginning to creep up, borrowers are starting to look hard at fixed rate options to lock in some certainty over what could be a volatile period. So, what are the pros and cons of fixing your rate? Read more 04.11.2021 Mortgage rates are rising: five things to consider The Bank of England’s Monetary Policy Committee today opted to hold the base rate at a record low 0.1%. But with financial markets signalling there may be as many as two rate hikes in 2022, now is a good time to revisit your finances to ensure you’re not paying over the odds. In this article, we outline our top five things to consider. Read more 29.10.2021 Rising interest rates and longer terms. Here are two newsworthy trends from the mortgage market this month There are an increasing number of signs that the mortgage price war may be coming to an end and instead, a hike in the base rate may be on the horizon. Meanwhile on the other side of the mortgage equation, there is also a growing roster of companies offering mortgages with longer terms. Read more 23.09.2021 With more properties for sale and travel restrictions easing, Autumn will be busy in the UK mortgage market. Here’s what you need to know Following a busy year that left the shelves bare, there are some early signs the property market is about to receive a much needed pick up in supply. The number of property valuations conducted by Knight Frank in the first few days of September was up 10% on the same period in 2019. Read more 20.09.2021 Knight Frank Finance join the Scottish Widows Equity Release pilot Following the launch of the Scottish Widows Equity Release pilot scheme, David Forsdyke, Head of our Later Life Finance service, comments on our partnership with the provider. Read more 10.09.2021 Cheaper mortgages would coax 22% of global homebuyers into purchasing a ‘green’ home Results from a poll of 900 Knight Frank clients located across 49 countries and territories offer some interesting insights as to the potential size of the nascent market for green mortgages. Read more 02.09.2021 The new school year is a great time to look at remortgaging As the summer holidays wind down and children return back to school, now is typically the time homeowners reassess their finances. High street lenders are engaged in a price war, so many homeowners are opting to remortgage, says Tim Woods, Partner at Knight Frank Finance. Read more 01.09.2021 Your property, your legacy Our financial priorities change over time. Once we’ve achieved our own milestones, thoughts often turn to the next generation. Whatever your plans, your property could play a key role in your family’s future. Read more 31.08.2021 Mortgage price war seen reaching its peak as housing market activity begins to ease Activity in the UK mortgage market eased during July as the stamp duty holiday began to taper off. Data from the Bank of England revealed borrowers were granted 75,200 loans to purchase homes during the month, down from 80,300 in June. That’s the lowest reading since July 2020. Read more 19.08.2021 A mortgage price war is underway: here's what it means for you With lenders battling for market share and cutting rates, Hina Bhudia, one of our Partners, offers further insights on what this means for homebuyers and remortgagers looking to secure a competitive deal. Read more 05.08.2021 Two reasons to be positive about the current UK mortgage market The Bank of England today opted to hold the base interest rate at a record low 0.1%. This means the cost of mortgage borrowing will remain lower for longer. Here are two more reasons to be positive about the current UK mortgage market. Read more 28.07.2021 Room for improvement? Download our Q2 report A national desire for home improvements is driving a surge of activity in the equity release market, as wealthy homeowners look to release funds to upgrade their properties. Read about this and more in our Later Life Finance Q2 report. Read more 20.07.2021 Unlock the potential of your home The over 55s are wealthier than ever. Thanks to careful investment and decades of rising property prices they hold the majority of property wealth in the UK; £3.1 trillion and rising. If you’re part of this generation, it’s time to discover how your property could hold the key to a brighter future that starts at home. Read more 15.07.2021 Good news for borrowers as mortgage rates tumble and product choice soars Mortgage product choice reached the highest level since the onset of the pandemic last month as lenders battled for market share. For the first time since June 2018, product choice increased at all loan-to-values (LTVs), most notably at 95% LTV. Read more 14.07.2021 Dreaming of a home by the sea? Discover the mortgage options that make it possible Waterfront and rural domestic getaways are booming, which is attracting interest in second homes and holiday lets. Favourable mortgage terms can enable purchasers to own their dream getaway while using Airbnb to cover the costs. Read more 01.07.2021 Six reasons to make your move as the stamp duty holiday winds down The stamp duty holiday tapered on 30th June, with the maximum saving falling to £2,500 from £15,000 until the end of September. However, could the end of the holiday produce a silver lining for those wanting to make their move as normality resumes? Read more 29.06.2021 Mortgage lending: house prices surge ahead of the tapering of the stamp duty holiday On Wednesday, the maximum saving as a result of the stamp duty holiday falls to £2,500 from £15,000. From lenders to conveyancers and solicitors, professionals are working “flat out” to get a bottle neck of deals through ahead of the deadline, according to Simon Gammon, Managing Partner of Knight Frank Finance. Read more 24.06.2021 Record-low rates, record choice and a boon for first-time buyers: three things you need to know about mortgages The mortgage market remains busy, with more mortgages approved in April compared to February 2020. Lenders are demonstrating their confidence in the economy by introducing new products at a rate of about 80 a week. To understand more about why, here are three things you need to know about the mortgage market right now. Read more 22.06.2021 How your mortgage could be the solution to rising school fees Mortgage finance can provide an effective way to manage the cost of school fees. Interest rates for a range of mortgage products are at or close to all time lows and house prices are climbing at their fastest pace since 2008. So now could be an opportune moment to consider your mortgage options ahead of the September school term. Read more 17.06.2021 Why the very best advice is so important for older homeowners As an older homeowner you may be thinking about releasing some of the wealth tied up in your home to help your children with a financial gift, to make home improvements, or redistribute your wealth and reduce the potential Inheritance Tax (IHT) liability. But this process can be complex, so it is essential you take the right advice from an expert who can explain the options available. Read more 09.06.2021 Got a large deposit for your next home? For you, mortgage costs have never been so low Mortgage costs for those with a deposit of at least 40% reached an all time low in May. The path of interest rates is likely to be upwards from here, according to Simon Gammon of Knight Frank Finance. Read more 03.06.2021 Mortgage borrowing rises as lenders compete for new customers Mortgage lending remains well above historic norms as homeowners seek more space and larger homes. A shortage of homes to buy, however, is placing an upper limit on the number of loans banks were able to grant. Read more 02.06.2021 How to protect your financial gifts to your children The over 50s have supported younger generations with £8.2 billion of gifts and loans since the start of the pandemic, and a large proportion of this has gone into property. But giving money away to help your children isn't as simple as it might seem. Read more 28.05.2021 Surging inflation poses tough choices for wealthy borrowers Inflation surged past the Bank of England’s target for the first time in almost two years this month. That leaves borrowers with choices to make, says Alex Ogario, Head of our Private Office. Read more 24.05.2021 Know which properties are hot and get the finance right: how to grow and protect wealth in 2021 and beyond More than a year on since Covid-19 sent shock waves across the world, experts from Knight Frank and Knight Frank Finance met to analyse key opportunities emerging across the real estate sector for investors. In this article, we highlight some of the key talking points from this discussion. Read more 14.05.2021 Speed, certainty and control of the sales process: why it pays to buy and sell at auction In this Q&A, Richard Watson, Head of Auctions at Knight Frank and Sanvir Dhillon, auctions finance specialist at Knight Frank Finance, discuss how auctions can relieve the stress of a property chain, what you should consider when it comes to the financing, and why it pays to build a relationship with your lender. Read more 12.05.2021 Older homeowners look to improve rather than move David Forsdyke, our Later Life Finance expert, discusses how homeowners over the age of 55 can use the equity in their homes for home improvements, and in many cases increase the value of their property. Read more 06.05.2021 More growth, more products and more competition: five things you need to know about mortgages Mortgage rates remain close to all time lows and there have been fewer better times to borrow against your home. To understand more about why, here are our latest five things you need to know about the mortgage market right now. Read more 22.04.2021 Turning ‘Generation rent’ into ‘Generation buy’ In the wake of the Chancellor’s introduction of a 95% mortgage guarantee scheme for homebuyers with lower deposits, David Forsdyke, Later Life Finance expert at Knight Frank Finance, points out that parents and grandparents can also make a real difference when it comes to the younger generation buying their first property. Read more 21.04.2021 Our Later Life Finance services explained There is now a wide range of mortgage solutions available exclusively to homeowners over the age of 55. We established our Later Life Finance Team as specialist advisors in this area of mortgage finance, to provide advice on the options available within this growing market. Here is a brief overview of the opportunities we can help with. Read more 19.04.2021 For wealthy individuals seeking to leave a legacy, Equity Release is becoming a key strategic tool Equity Release is becoming a mainstay on the menu of financial advisors as the wealthy seek to redistribute funds to the young while managing their potential Inheritance Tax exposure, according to our Later Life Finance first quarter update. Read more 19.04.2021 A mortgage lending boom is on the way A new survey conducted by the Bank of England suggests lenders are ramping up for a boom in mortgage lending, fuelled by the rosy economic outlook and a desire to build market share. We look at three key findings to explain this shift. Read more 13.04.2021 The recovery fuels property activity It's clear the housing market has strengthened in recent weeks. The RICS UK Residential Market Survey for March shows sales market activity picking up sharply over the month, with indicators on enquiries, sales and new instructions all improving markedly. Read more 09.04.2021 Choices increase and costs decrease for older borrowers The Equity Release Council's Spring 2021 Market Report brings some welcome news for homeowners over the age of 55. As mortgage and equity release product choices increase, the associated costs have decreased in 2020 to make borrowing the cheapest it has ever been. Read more 31.03.2021 From working patterns to tax breaks: here’s what’s driving borrowing As buyers begin to establish what post-pandemic life looks like and with the extension of the stamp duty holiday, we expect housing market activity to remain well above historic norms over the coming months. Here’s what we think is driving borrowing. Read more 26.03.2021 Generation X – caught between a rock and a hard place With the majority of wealth being tied up in property, many in Generation X find themselves caught in a financial vacuum between their parents and their children. Our Later Life expert, David Forsdyke, explains how modern Equity Release products can help those who find themselves stuck between a rock and a hard place. Read more 18.03.2021 From stamp duty to a new Help to Buy: five things you need to know about the mortgage market From the stamp duty holiday, to high loan-to-value mortgages and a new Help to Buy, the first months of 2021 have been busy for the property market, and there’s more to come. Here are our experts’ five things you need to know about the mortgage market right now. Read more 10.03.2021 All change: 95% mortgages are back and about to get cheaper At least half a dozen lenders have signed up already to the mortgage guarantee scheme announced in the Budget last week, and it looks like rates for new 95% mortgages may come in under 2% when you fix for two years - that would be a game changer for large numbers of buyers when the scheme launches in April. Read more 03.03.2021 Mortgage scheme announced in the Chancellor's budget for homebuyers with lower deposits The Chancellor has announced a new low-deposit mortgage guarantee scheme in the Budget today. Under the scheme, which is not restricted to first-time buyers or new-build homes, the government will provide a guarantee to lenders to encourage them to offer 95% loan-to-value (LTV) mortgages. Read more 11.02.2021 Mortgage market need to know: five pieces of (mostly) good news If you’re considering purchasing a new home, remortgaging, or taking out a lifetime mortgage, these are five things you should know. Read more 05.02.2021 An update on the mortgage market and what it means for you It's good news in the mortgage market this week, with a combination of powerful market forces bringing mortgage costs down further. Read more 15.01.2020 Hope for First Time Buyers as lenders introduce new products and cut rates Major lenders are cutting rates and reintroducing products suitable for buyers with small deposits, in a sign that some normality is returning to the property market following the post-lockdown surge. Read more 17.12.2020 The latest on the UK mortgage market Rates on mortgages across the board are now creeping up, despite the Bank of England’s decision this morning to hold the base rate at a record low 0.1%. Long-term deals are proving popular as borrowers seek clarity over their outgoings, and rates on five-year fixed products continue to look very compelling. Read more 11.12.2020 Banks are lending to buyers with small deposits again: here’s what it means for you The withdrawal of mortgage products for buyers with smaller deposits and borrowers with little equity in their existing properties was one unfortunate side effect of the pandemic. However new data has signalled that a change is underway. Read more 02.12.2020 New service proves popular among homeowners with substantial property wealth When we launched our later life finance service last year, we identified a growing number of homeowners with significant property wealth who wanted to release some of the equity they had built up. Financial advisers are increasingly including property assets alongside other sources of wealth when looking at potential enhancements to clients’ income, lifestyle and tax efficiency. Read more 01.12.2020 Help to Buy is changing Existing homeowners have just two weeks remaining to take advantage of the government’s current Help to Buy Equity Loan scheme before changes come into effect. Read more 30.11.2020 Your buy-to-let property could do even more for you than you think David Forsdyke, our Later Life Finance expert, explains how certain mortgage products can benefit older landlords with buy to let properties, in ways you might not expect. Read more 26.11.2020 The private banks want your business, but you’ve got to be quick Alex Ogario, head of our Private Office at Knight Frank Finance, explores how to navigate prime lending markets amid a shift in economic confidence. Read more 20.11.2020 Income protection offers peace of mind against unforeseen illness Across the UK, the second wave of Covid-19 has placed the livelihoods of tens of thousands of people under threat. This means income protection is growing in importance, which effectively acts as a replacement of sick pay benefits. Read more 18.11.2020 Lifetime Mortgage rates start to rise Two of the leading providers in this market, who were both marketing products at a record low 2.22% earlier this year, have signalled those products would be withdrawn and replaced with equivalent products at a rate of 2.51%. Read more 11.11.2020 How a lifetime mortgage can help in pension planning and retirement Growing numbers of pension savers have withdrawn money from their pension pots during the pandemic. In some circumstances, lifetime mortgages can provide welcome funds, as an alternative, to plug temporary financial pressures, or longer-term shortfalls in income. Find out more. Read more 10.11.2020 Should I stay or should I go? Restrictions on movement implemented to stem the spread of the pandemic have prompted a major rethink among vast numbers of homeowners about how and where they want to live. Tim Woods, partner and head of our Country Team, outlines what borrowers need to consider, whether they decide to move or stay put. Read more 09.11.2020 What should I do if I can’t make my next mortgage payment? The pandemic has placed acute pressure on the financial outlook for thousands of families across the country. Hina Bhudia explains what homeowners should do if they can’t meet their payments Read more 05.11.2020 The base rate is held, in a bouyant and busy mortgage market The Bank of England today held the base rate at a record low 0.1% and mortgage rates remain extremely attractive compared to historic norms. Read more 30.10.2020 Mortgage approvals surge to highest monthly total since September 2007 Lenders approved 91,500 mortgages for house purchase in September and households borrowed an additional £4.8 billion secured against their homes in September. But what does this mean for borrowers? Read more 29.10.2020 From wealthy homeowners to the aging population: here’s what’s driving the equity release recovery The latest report from the Equity Release Council shows the equity release market is returning to normality. Our Later life finance expert David Forsdyke looks at the factors driving the recovery. Read more 26.10.2020 Squeeze on mortgage rates extends to lower LTV mortgages The rising cost of mortgages that has been squeezing many first time buyers out of the property market is expanding to include lower loan-to-value (LTV) mortgages as well. Read more 07.10.2020 Are Lifetime Mortgage rates about to rise? The markets are signalling Lifetime Mortgages could get more expensive, so now might be the time to lock in a deal, writes David Forsdyke, Head of Later Life Finance at Knight Frank Finance. Read more 30.09.2020 Mortgage approvals soar to highest level since 2007 amid ultra-low borrowing costs Many purchasers emerged from lockdown seeking to revisit how and where they want to live, all while the Bank of England’s base rate remains at an all-time low of 0.1%. Read more 21.09.2020 Average rates for equity release products hit record lows as the choice of products grows Later life finance expert David Forsdyke unpicks the latest equity release market data and considers the options available for consumers interested in accessing their property wealth. Read more 18.09.2020 Bank of England holds the base rate at a record low and reignites the debate over negative rates Most borrowers will benefit from rock bottom mortgage costs, but the market remains challenging for first time buyers and the self-employed. Read more 17.09.2020 Base rate held at 0.1% - what does that mean for homeowners? The Bank of England's decision to keep the base rate at 0.1% is great news for borrowers, and record-low mortgage rates continue to underpin an unprecedented surge in property market activity. Read more 10.09.2020 Our first Equity Release Survey reveals a growing awareness of the sector’s products and that perceptions are improving through younger generations. We constantly strive to improve the information and advice we give to homeowners, and the survey lays bare where the most work needs to be done, and which misconceptions still need to be addressed. Read more 07.09.2020 Trans-Atlantic Trends: How are UK housing and New York office markets faring? Patrick Gower, a consultant for Knight Frank, and Hina Bhudia, Partner in our Private Office, give their updates on the latest activity in the UK mortgage market: from mortgage holidays, to interest rates and how lenders are coping with the current demand. Read more 04.09.2020 Home finance options for older homeowners are better than ever before Older homeowners have more choice than ever before when it comes to borrowing or refinancing options. David Forsdyke, our Later Life Finance expert, discusses the current market. Read more 02.09.2020 Mortgage approvals return to normal levels: here’s what you need to know The Bank of England yesterday said mortgage approvals for house purchase hit 66,300 in July. That’s up 66% on June’s figure and is within 10% of February’s peak. Read more 27.08.2020 Mortgage holidays are ending, here’s what you can do instead Hina Bhudia, partner at Knight Frank Finance, says homeowners concerned about the end of mortgage holidays should consider other options. Read more 26.08.2020 Older homeowners, first time buyers and the £3.1 trillion housing conundrum We've launched a podcast episode as part of Knight Frank's Intelligence Talks series, looking at the UK mortgage market. Read more 14.08.2020 Is now the time to secure a new fixed-rate mortgage deal? Rates are still very low, and remain below levels seen in late 2019, but it’s possible they will continue to rise with so much economic uncertainty on the horizon. Read more 13.08.2020 An update on the mortgage market from Alex Ogario, Head of our Private Office Alex Ogario shares his insight on liquidity and lending appetites, fixed rate mortgages, lender attitudes towards complex transactions and lending to EU citizens. Read more 07.08.2020 Buyers and renters seek holiday lets amid the decline in global travel The outbreak of Covid-19 has, for the time being, transformed the way we think about holidays, but what does that mean for the housing and mortgage markets? Read more 06.08.2020 Mortgage products to remain at or close to record lows for longer The property market has surged back to life since its reopening in May. New business levels at Knight Frank Finance during July were among the highest they've ever been. Read more 29.07.2020 Activity among house purchasers busiest in years amid clamour for low rates It’s clear borrowers see now as a good time to reassess their finances due to a range of factors including the recent cut to stamp duty, successive cuts to interest rates, currency fluctuations and tax changes. Read more 28.07.2020 A quick guide to CBILS A CBIL is a Coronavirus Business Interruption Loan. The loan scheme provides financial support to smaller businesses affected by Covid-19. We can provide advice to trading businesses and make introductions for lending secured against a business premises. Read more 20.07.2020 A guide to buy-to-let mortgages Buy-to-let taxation and finance has been subject to sweeping changes in recent years, so we’ve put together this guide with some key facts about buy-to-let mortgages, plus some tips on what to look out for. Read more 16.07.2020 Mortgage applications through Knight Frank Finance climb 75% in June as borrowers seek to lock in low rates New mortgage applications submitted through our mortgage brokers soared in June, underlining the strength of the market rebound as borrowers sought to capitalise on record low rates offered by lenders competing for new business. Read more 09.07.2020 Top tips for homeowners seeking to help family members in financial difficulty Our Later Life Finance expert David Forsdyke, explains what homeowners should consider when looking to borrow money against their home to support their family. Read more 08.07.2020 Borrowers can access rock bottom mortgage rates as lenders battle for market share As risk-averse lenders battle for business, borrowers with deposits of 40% of a property’s value or more are spoilt for choice. Read more 01.07.2020 Take part in our equity release sentiment survey and be in with a chance to win £100 John Lewis vouchers Whatever your age, we want to hear what you think about this increasingly popular product for homeowners over the age of 55. What you tell us will inform the information and communication we provide on equity release. Read more 29.06.2020 Thinking about school fees? Our own David Forsdyke in Knight Frank Finance has teamed up with the Independent Schools Show and Brewin Dolphin to host a special webinar to help parents as they plan their child's educational journey. Read more 26.06.2020 First-time-buyers shut out of mortgage market can turn to family David Forsdyke, our Later Life Finance expert, explains how grandparents could be the lifeline that first time buyers need right now. Read more 25.06.2020 Two tier housing market emerges for borrowers with large and small deposits A two tier housing market has emerged in the past fortnight as lenders have temporarily withdrawn from higher loan-to-value lending. Read more 18.06.2020 Mortgage rates to stay low for longer The Bank of England today held the base rate at 0.1%. This is good news and provides more stability as the mortgage market returns to normality. Read more 17.06.2020 Mortgage Monitor: What would negative interest rates mean for mortgage borrowing? Does it mean you won't have to pay interest on your mortgage? Should you wait for further cuts, even to zero, before you revisit your finances? We provide the answers. Read more 16.06.2020 Arranging life insurance isn’t as complicated as you might think As little as £25 a month gets you £700,000 in life insurance if you’re under 35, and we have a dedicated team in place to arrange the policy with no doctor’s reports or medical screenings. Read more 11.06.2020 Mortgage Monitor: What can we learn from the lending that took place during Q1? Despite the unprecedented changes we’ve seen in the lending environment, there are three important lessons we can learn. Read more 03.06.2020 Mortgage Monitor: Approvals hit all-time low before surveyors returned to work The scope of the property market freeze became clear on Tuesday when the Bank of England said mortgage approvals for house purchase fell 80% between February and April, says our Managing Partner Simon Gammon. Read more 03.06.2020 Equity Release: a letter to the editor David Forsdyke, our Later Life Finance specialist, shares his recent letter to the editor of The Times. Read more 28.05.2020 Mortgage Monitor: Product numbers climb 14% since depth of the crisis Borrowers now have 8,450 mortgage products to choose from, up 14% from the depth of the crisis six weeks ago Read more 26.05.2020 Equity Release market shows encouraging signs of re-emerging from lockdown The Equity Release market is slowly re-introducing physical valuations, there are encouraging signs for interest rates, and we have adjusted how we deliver advice. Read more 20.05.2020 Mortgage Monitor: Lenders reintroduce products as normality starts to return Mortgage lenders are reintroducing products withdrawn during the Covid-19 crisis following the resumption of property market activity a week ago. Read more 19.05.2020 The mortgage market comes out of lockdown The resumption of housing market activity has transformed the lending landscape, with banks now able to begin physical inspections that will allow them to clear a backlog of mortgage applications. Read more 13.05.2020 Housing market to reopen from today The housing secretary Robert Jenrick has outlined plans for a careful, measured reopening of the housing market, beginning today. Read more 06.05.2020 Borrowing in a crisis? Give yourself time, be open minded and expect lenders’ behaviour to diverge Alex Ogario, Head of the Private Office at Knight Frank Finance, gives his top tips to borrowers seeking to purchase a new home, or remortgage their existing property during the outbreak of Covid-19. Read more 05.05.2020 Lenders introduce remote valuations for older homeowners needing finance in lockdown Lenders are enabling older homeowners to access a wider range of mortgage products while in lockdown by accepting remote valuations that don’t require visits to a property. Read more 28.04.2020 Use lockdown as an opportunity to tick off some of that “life admin" Here are two important reasons why your life insurance is worth prioritising during the lockdown Read more 23.04.2020 Lifetime Mortgages can help plug the gap in retirement income while your pension fund recovers The Association of British Insurers (ABI) have raised concerns over people accessing too much of their pension pots, or taking funds out too early, to make up for financial losses experienced during the coronavirus lockdown. Read more 22.04.2020 ‘Frozen’ mortgage market thaws as lenders raise LTVs, embrace desktop valuations, hunt for business The property market will continue to face some form of disruption for many weeks, however it is clear lenders are adjusting to the new conditions, albeit slowly. Read more 17.04.2020 An Equity Release market update Lifetime Mortgage lenders and solicitors are finally getting to grips with the coronavirus lockdown, but what has this period of change meant for those who are considering Equity Release? Read more 16.04.2020 Banks make changes to mortgage products at unprecedented rate Mortgage lenders continue to overhaul product lines and adjust their lending criteria in an attempt to control the flow of business as they grapple with restrictions on movement. Read more 08.04.2020 Some good news for home buyers, as mortgage lenders ease rules on valuations Private banks that had been struggling to lend amid the upheaval caused by the outbreak of Covid-19 are beginning to adjust to the new conditions by accepting valuations remotely. Read more 31.03.2020 Lenders overhaul product offerings amid mortgage market upheaval Banks are making sweeping changes to their product offerings as they grapple with restrictions on movement and unprecedented call volumes. Read more 30.03.2020 Q&A for homeowners over 55 During this period of uncertainty, David Forsdyke, our Later Life Finance expert, answers some frequently asked questions from homeowners in their 50s and over. Read more 27.03.2020 Navigating the mortgage market during times of uncertainty For many people, recent global events have brought with them a new imperative to obtain a cut in their outgoings. As banks alter the way they operate to adjust to the evolving situation, these are the three most important themes existing homeowners should be aware of before seeking to remortgage. Read more 24.03.2020 Borrowers seek to minimise outgoings amid Covid-19 outbreak The mortgage market is likely to remain busy over the coming months, though there will unquestionably be shifts in types of lending carried out as the effects of Covid-19 begin to take hold and borrowers seek to minimise their outgoings amid the prevailing economic uncertainty. Read more 23.03.2020 How can I obtain a mortgage holiday? Q&A Lenders have been cooperating with the government to offer payment breaks known as ‘mortgage holidays’ for those in need. Here, we answer some frequently asked questions. Read more 19.03.2020 Here to help As the COVID-19 situation continues to develop, please be assured we remain resolutely committed to safeguarding the health and security of our people and you, our valued clients and customers. Read more 13.03.2020 Improve your retirement through your mortgage We are seeing Later Life Finance play an increasingly important role for retiring home owners who have not saved enough into their pensions and other investments. Many are turning to the wealth built up in their property to top up their income. Read more 12.03.2020 Housing wealth can alleviate the impending elderly care crisis The elderly care sector is facing a financial crisis. However, David Forsdyke, our Later Life Finance expert, explains how housing wealth can help close the gap in funding. Read more 11.03.2020 The Bank of England cuts the UK base rate back to record low Today’s decision is likely to mean that anybody on a tracker mortgage will see an immediate and significant cut in their mortgage costs. It will also in due course likely affect the pricing of fixed-rate mortgages. Read more 06.03.2020 Lenders are introducing new products at a rate of more than three a day The number of mortgage products available has climbed 9.3% in the past twelve months. That’s a rate of more than three a day for a year. Read more 03.02.2020 Knight Frank Finance responds to Equity Release Council’s latest figures: “Equity Release is still growing” says David Forsdyke Older homeowners withdrew £3.92 billion of housing equity during 2019, a four-fold increase on the £946 million taken out a decade earlier, according to data released by the Equity Release Council today. Read more 30.01.2020 Base rate held as property sales pick up It’s no surprise the Bank of England has held the rate at 0.75%, rather than a much mooted rate cut, considering the uncertainty that remains over the UK’s future relationship with the EU. Read more 09.01.2020 The myths and misunderstandings about Equity Release: 2020 update Equity Release is becoming an important part of financial planning for many homeowners. Home improvements, repaying debts, helping younger family members, and reducing Inheritance Tax are just a few of the reasons why individuals are releasing the wealth built up in their homes. Read more 19.12.2019 The mortgage market after the general election As we approach the festive period, a sense of stability has returned to UK politics. Some lenders are already re-pricing their fixed-rate deals to reflect the changed economic outlook and we are seeing a bottoming out of interest rates. Read more 26.11.2019 Lifetime Mortgage vs Retirement Interest Only Mortgage - what's the difference? Our Later Life Finance expert David Forsdyke explains some of the key differences between two mortgage products used by older home owners; Lifetime Mortgages and the Retirement Interest-Only (RIO) Mortgage, which on the surface can appear similar. Read more 07.11.2019 Ultra-low mortgage rates fall further ahead of UK general election If you’re looking to fix your mortgage at the moment, you are increasingly spoilt for choice, with five-year fixes available on a 60% loan-to-value basis at less than 1.5% Read more 06.11.2019 Wealthy home owners are turning to Equity Release David Forsdyke, our Later Life Finance expert, explains why increasing numbers of wealthier home owners are turning to Equity Release. Read more 29.10.2019 Can I use Equity Release to buy a new home? David Forsdyke, Equity Release expert, explains how Equity Release is not only for raising money against your current home. It can also really help you when you move home. Read more 10.10.2019 Buy to let in later life - how investment property can make a difference in your retirement David Forsdyke, our Later Life Finance expert, talks about the growing range of options designed specifically for older landlords, and how they can make a difference in ways you might not expect. Read more 04.10.2019 Why 2019 is a great year to buy in London Alex Ogario of Knight Frank Finance’s Private Office explores some of the reasons why, despite popular opinion, 2019 represents a fantastic opportunity for those looking to buy in London. Read more 23.09.2019 The myths and misunderstandings about Equity Release David Forsdyke, Equity Release expert at Knight Frank Finance, clears up some common myths about this rapidly expanding market. Read more 20.09.2019 Vote for us for Broker of the Year 2019 We need your votes to make the shortlist of this year's Mortgage Introducer Awards. Read more 19.09.2019 Mortgage Market Update Simon Gammon, Managing Partner of Knight Frank Finance, shares his thoughts on the mortgage market. Read more 17.09.2019 Trusted financial advice, globally As well as being one of the UK’s leading independent mortgage advisors, Knight Frank Finance has a breadth of knowledge in all aspects of specialist lending. Read more 12.09.2019 Why would the wealthy use Equity Release? Equity Release is often seen as a last resort; a way for those short of money to solve their problems after all other options have been eliminated. But in reality, Equity Release can be a shrewd financial decision. Read more 27.08.2019 How the Bank of Mum and Dad is helping first-time buyers The ‘Bank of Mum and Dad’(often referred to as BOMAD) is becoming more and more important in today’s property market. Read more 15.08.2019 How can my property top up my income in retirement? David Forsdyke, Later Life Finance expert, explains why Equity Release is increasingly becoming part of retirement planning. Read more 09.08.2019 The number of people borrowing money later in life is continuing to rise David Forsdyke of Knight Frank Finance explains why. Read more 02.08.2019 Homeowner over 55? Why the right advice is so important Knight Frank’s Later Life Advisers are on hand to help you make the right financial decisions. Read more 01.08.2019 Interest rates are unchanged in August as monetary policy and residential property markets remain in a holding pattern Rates remain low, lenders are keen to lend and now is a great time to hedge against future uncertainty by taking out a fixed-rate mortgage. Read more 08.07.2019 Our new Later Life Finance service: the first of its kind in the property sector Knight Frank Finance, part of the Knight Frank group, has launched a Later Life Finance team, making us the first major player in the property sector to offer this service to those aged over 55s. Read more 20.06.2019 Mortgage rates to remain competitive for the time being The outlook for UK politics is unclear, which means the arguments for fixing your mortgage rate now become more compelling. Faced with the possibility of more volatility over the next several months, fixing your rate would give you peace of mind. Read more 02.05.2019 Ongoing uncertainty prolongs competitive mortgage market As Theresa May and Jeremy Corbyn attempt to strike a cross-party Brexit deal, the uncertain political backdrop has caused some buyers and sellers to hesitate. Read more 21.03.2019 Brexit uncertainty continues to underpin mortgage market Pent-up demand has built within property markets in recent months as political uncertainty has grown. Read more 07.02.2018 The mortgage market remains favourable for borrowers Although The Bank of England wants to normalise interest rates, political uncertainty generated by the UK’s departure from the EU has put this ambition on ice. Read more 18.01.2018 We’ve agreed an introducer partnership with Audley Group We have agreed an introducer partnership with Audley Group, the UK’s leading provider of retirement villages, to offer bridging loans to prospective purchasers. Read more 20.12.2018 The latest mortgage advice as the base rate remains at 0.75% If you are shopping around for a mortgage, the New Year is likely to bring more glad tidings than Christmas. Read more 17.12.2018 UK loans for remortgage at highest level in a decade The number of UK loans issued for remortgages during the third quarter of 2018 was 120,400, the highest level since Q3 2008. Read more 01.11.2018 Our latest advice on UK mortgages UK Finance data shows that more borrowers are fixing their mortgages, in light of political uncertainty around Brexit. Read more 13.09.2018 London's most sought after luxury homes in 2019 London's luxury developments on the market through Knight Frank and as featured in 2018's Private View. Read more 12.09.2018 The latest advice on interest rates After the Bank of England raised the base rate to 0.75% in August, the one fact that seems almost certain is that interest rates are unlikely to rise again this year. Read more 04.09.2018 Capturing Chinese Wealth: Why property is still number one for Chinese investors Knight Frank’s Private Wealth Intelligence Unit in Beijing reports on why property is still number one for Chinese investors. Read more 08.08.2018 Brexit and London Finance Uncertainty still surrounds the outlook for London’s financial cluster, but the expected impact is looking far less worrying than it did back 2016. Read more 02.08.2018 The base rate has risen to 0.75% today The Bank of England has increased the base rate to 0.75%, signalling the beginning of the end for a period of accommodative monetary policy. Read more 18.09.2017 Access all areas: The rise of private jet travel When it comes to getting around Europe quickly and comfortably, taking a private jet is a much more flexible option than travelling on commercial airlines. Read more Find out how we use your personal information. SUBMIT Market leading research & publications An exclusive collection of research and publications carefully curated in-house by our experts. VIEW ALL PUBLICATIONS Contact us Find out how we use your personal information. SUBMIT Follow us Twitter Linkedin Instagram Disclaimer Mortgage Advice. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. We do charge a fee for mortgage advice. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over. Your home may be repossessed if you do not keep up with mortgage payments. Knight Frank Finance LLP is a limited liability partnership registered in England and Wales with registered number OC322399. The principal office of Knight Frank Finance LLP is situated at 55 Baker Street, London W1U 8AN. Knight Frank Finance LLP is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 459093. 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