Rory Joseph

Oct 4, 2024 | financialreporter.co.uk | Rory Joseph |Sebastian Murphy |JLM Mortgage

"A BBR of 3% at some point in the next 12-18 months doesn’t feel like a distant or impossible possibility. " It’s intriguing to read the comments of a number of Monetary Policy Committee (MPC) members, including the Governor himself, over the last days all attempting to pour cold water on expectations that Bank Base Rate (BBR) will be cut, and cut aggressively over the next 12 months.

Jan 21, 2024 | bestadvice.co.uk | Rory Joseph

When does political speak such as, ‘We always keep these types of things under review’, simply mean, ‘Don’t hold your breath, we’re never going to change’. Certainly, in our market, when we discuss product transfers (PT) and the lower level of proc fees paid to advisers when it comes to this business. For what it’s worth we know that conversations on this topic are a constant thorn in the side for many lenders.

Nov 19, 2023 | bestadvice.co.uk | Rory Joseph

When you see statistics which suggest the number of mortgage products available in today’s marketplace has hit a 15-year high, you might be forgiven for thinking all bases are now covered and borrowers of all ‘shapes and sizes’ have a plentiful amount to choose from.

Sep 24, 2023 | bestadvice.co.uk | Rory Joseph

May 20, 2023 | bestadvice.co.uk | Rory Joseph

If you were to ask any homeowner whether they would like cheaper energy bills both now, and in the future, then I think we could all guess what the answer would be. And yet, what we find is that the ways and means by which they can achieve greater energy-efficiency and therefore cheaper bills, has not been forthcoming for the vast majority of homeowners over the course of the last year or so.