Sam Hyslop - NxtGen Mortgages

25/06/2026

😄Fixed rates are reducing but why?😄

Many people think mortgage lenders simply decide what interest rates to charge, but there’s actually a key factor behind most fixed-rate mortgages: SONIA swap rates.
SONIA (Sterling Overnight Index Average) is a benchmark interest rate used throughout UK financial markets. When lenders offer fixed-rate mortgages, they often use swap markets to help secure the cost of lending money for a set period, such as 2, 3, 5 or 10 years.

Think of it like this:

🔹 Lenders don’t simply take your savings account money and lend it out at a fixed rate.
🔹 To provide certainty on a fixed-rate mortgage, they typically access the swap market to effectively “lock in” their own funding costs for that period.
🔹 They then add their operating costs, risk allowance and profit margin before offering the mortgage product to customers.

So what happens when swap rates fall?
📉 Lower swap rates = lower funding costs for lenders.
📉 Lower funding costs can allow lenders to reduce their fixed mortgage rates.
📉 Stable and gradually reducing swap rates often create a competitive environment where lenders can offer cheaper fixed-rate deals.

This is why you may sometimes see mortgage rates fall even when the Bank of England Base Rate hasn’t changed. Markets are constantly pricing in expectations for future interest rates, and swap rates often move before official rate decisions are made.

The key takeaway:

✅ Falling swap rates are generally good news for borrowers looking at fixed-rate mortgages.
✅ Stable swap rates give lenders confidence when pricing new products.
✅ Mortgage rates are influenced by market expectations, not just the Bank of England Base Rate.

If you’ve noticed fixed rates changing recently, chances are the swap market has played a significant role behind the scenes.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
NxtGen Mortgages is a trading name of Just Mortgages Direct limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/06/2026

18/06/2026

17/06/2026

⁉️Will we see cheaper rates in 2026 ⁉️

UK inflation remained at 2.8% in May, providing further signs of stability in the economy.
Lower and more predictable inflation helps protect household spending power, supports
business confidence, and reduces pressure on the cost of living.

For mortgage borrowers and homebuyers, stable inflation is particularly important because it
can reduce the need for the Bank of England to keep interest rates higher for longer. While
mortgage rates are influenced by several factors, a sustained period of lower inflation can
create a more favourable environment for lower borrowing costs in the months ahead.

NxtGen Mortgages is a trading name of Just Mortgages Direct limited, which is an appointed
representative of The Openwork Partnership, a trading style of Openwork Limited which is
authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 17/06/2026

05/06/2026

Huge thank you to everybody who has been kind enough to donate. With the event next weekend we have hit 100% of target!

The charity does an amazing job and if anybody can assist and push us further over the line then please hit the link 🔗

https://www.justgiving.com/page/sam-hyslop-3?utm_campaign=lc_frp_share_transaction_fundraiser_page_donation_received_-_nth_donation&utm_content=d58545b9-21c9-46a0-a487-2c24ac1d51c4&utm_medium=email&utm_source=postoffice&utm_term=1780657399337

02/06/2026

Evening all I hope you don’t mind me sharing this post again!

In two weeks i am competing in a 100km ultra marathon up and down the Cotswolds. It’s a non stop day and night race.

I am raising money for the Josh Evans Trust fund. Josh was my friend who sadly passed away after suffering a hypoglycaemic attack whilst driving. If you could spare a few quid it would be much appreciated and thank you to those who have already donated

Help sam hyslop raise money to support The Josh Evans Trust Fund

27/05/2026

Meet Ruby are protection specialist!

Learn why life insurance, critical illness cover, income protection and family income benefit can be valuable when buying a home. Meet Ruby Macioccu, our

14/05/2026

🚨 WE’RE HIRING 🚨Part-Time / Full-Time Administration Role

An exciting opportunity has become available to join the teams at NxtGen Mortgages & Kyra Hyslop EXP!

We’re looking for someone organised, personable, and motivated to support both our busy mortgage brokerage and estate agency businesses.

✨ Duties will include:• Client updates and communication• Chasing solicitors and third parties• General administration tasks• Building strong rapport with clients• Supporting day-to-day operations across both businesses

📱 Social media skills would also be highly beneficial to assist with marketing and advertising campaigns.

✅ Previous experience is preferred but not essential — full training and support will be provided for the right person.

🕒 Flexible part-time or full-time position available.

If you’re friendly, proactive, and enjoy working in a fast-paced environment, we’d love to hear from you!

📩 Please message us directly or send your CV to [email protected]

01/05/2026

Thank you for all the kind donations so far! Now over half of the target raised.

Training is in full swing I can successfully do a 10k now to add another 90k on top 😰

If you can donate please do it’s for a great cause.

Help sam hyslop raise money to support The Josh Evans Trust Fund