The Clayton Hulme Partnership Limited

14/07/2026

After a small break, the Mortgage Scientists return, Dave and Chris...

07/07/2026

After a short break from the podcast, mainly concentrating on a somewhat manic mortgage and property market, Chris and Dave have been back in the studio today recording the July podcast and planning the content for the next three episodes.

You can listen to our previous 9 episodes and subscribe at https://thepodstation.co.uk/podcasts/the-mortgage-scientists-2/ or your favourite podcast app.

18/06/2026

In a largely expected move today following the relatively positive inflation news, the Bank of England has kept the base rate at 3.75%.

Listening to HSBC's economist at our PRIMIS Mortgage Network "Half Time Event" yesterday, their "Good, the Bad, and the Ugly" predictions following the recent MOU and anticipated peace following on from there, suggests that "Good" is likely to see the base rate stay at 3.75% for the balance of 2026 before a possible fall in 2027.

If we are in the Bad or Ugly scenario where peace fails and global oil, energy and inflation pressures remain, base rate could be back into the 4.5% territory...

For now, we have stability and good new on the horizon...

If you'd like to chat with us in more detail about what this could mean for mortgages, and more importantly, your mortgage, get in touch today to arrange a chat with Chris, Zoe or Tracy - 0161 434 6016.

30/04/2026

Following a widely discussed topic of "Will they go up or not?", which is quite different from two months ago of "Will they go down and by how much?", the Bank of England has held interest rates at 3.75% for the third consecutive time.

The Bank of England has kept the base rate steady today as it weighs up the impact of higher energy prices and global uncertainty. While this brings some short-term stability for trackers, the Bank warned that future hikes may still be needed to keep inflation on track.

With inflation being led by enforced spending due to higher fuel costs rather than discretionary spending from having surplus funds, this was absolutely the right decision to emanate from the Bank today.

20/04/2026

Happy Monday!!

We're only 10 days or so away from the main impacts of the Renters Rights Act effective from the 1st of May. If you are a landlord, do not look away as this will impact every single one of you in some way, shape or form.

I had the pleasure of spending an hour or so with Roger Morris on Friday morning who is one of the most astute mortgage industry leaders on all things Buy to Let, and in that hour or so Roger unveiled the headlines of what the Renters Rights Act means for landlords.

Roger's overviews below give only a small snippet of the detail you will need to know so if you have any questions on these aspects relating to your mortgage, your tenancy agreement, your tax or legal position - get professional advice now!

Talk to us as your Mortgage Broker, talk to your accountant for your tax position, talk to your letting agent and solicitor for your contractual and legal obligations!

Above all though, you must make sure you provide your tenant with Renters Rights Act Information Sheet by the 31st May deadline and keep evidence it's been sent and received.

We look forward to being part of your successful portfolio plan going forward!

09/04/2026

Ensuring families are protected against financial adversity in the event of ill health or a parent passing away is just as important as getting the right mortgage rate and structure, its all part of the advice and support we give to all of our clients.

This episode of the The Mortgage Scientists, covers who Dave and Chris are, why they are scientists and how they do what they do? If you want to know more e...

03/04/2026

Happy Easter folks!
The office might be closed over the weekend but the ears are always open! We cant wait to hear from you and we'll be back in the office on Tuesday to help make your home owning dreams come true!
Have a wonderful weekend, whatever you do!
www.claytonhulme.co.uk