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Trafalgar Square Financial Planning Consultants

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Trafalgar Square Financial Planning Consultants

Your independent Mortgage Broker. Buy to Let, HMO, Portfolio Landlords, Bridging Finance, Residentia

Trafalgar Square FPC is a truly independent advice-based mortgage brokerage, meaning we have access to every lender in the UK.

20/07/2026

Recent escalations in the Middle East have led to higher oil prices & renewed concerns around inflation. As markets react to geopolitical uncertainty, we've seen global bond yields move upwards, with UK SWAP rates following suit.

For buy to let landlords, this matters because SWAP rates play a key role in determining the cost of fixed rate mortgage products.

Earlier this month, five year SWAP rates briefly dipped below 4%, creating optimism that mortgage pricing would continue to improve. However, those gains have since reversed as markets respond to increasing uncertainty.

The reality is that lenders fund fixed rate mortgages using these wholesale money markets. When SWAP rates rise, lenders' costs rise too. Eventually, those costs are reflected in mortgage pricing....

If you have any questions or are concerned you aren't on the right mortgage, contact us to speak to one of our expert brokers

*Information from the Mortgage Finance Brokers
*Your home may be repossessed if you do not keep up repayments on your mortgage

19/07/2026

Meet the team….
Today is the turn of Rory Shackleton

“After an Army Career with The Royal Tank Regiment, I joined Trafalgar Square Financial Planning Consultants in 2006. I enjoy finding mortgage solutions and helping clients purchase their Dream Home or start and grow their BTL property portfolio”.

16/07/2026

Juspal recently spoke at a property network event & had some amazing feedback from the organisers -

"Thank you for taking the time to speak at our recent Property & Business Event.
Your contribution, expertise & willingness to share your knowledge added tremendous value to the event & helped make it a success.

The insights, practical strategies and real life experiences you shared provided our attendees with valuable takeaways & actionable ideas that they can implement immediately.

We have received excellent feedback from attendees & your session was a key part of creating an engaging & impactful experience for everyone involved.

We truly appreciate your support & partnership in helping us educate, inspire & empower our community of property and business professionals".

Contact us today to speak with Juspal or one of our expert mortgage brokers....

14/07/2026

2 Year or 5 Year Fixed? 🤔

With mortgage rates becoming more stable, many landlords are asking the same question: Should I fix for 2 years or lock in for 5?

The lowest interest rate isn’t always the best deal. It’s important to consider the bigger picture, including refinancing costs such as valuation fees, legal fees, lender arrangement fees & the time involved in re-mortgaging again.

Here are five key things to think about:

Timing – Don’t wait until your deal ends. Many lenders let you secure a new rate up to 6 months in advance.

Overall Cost – A lower 2 year rate could mean paying refinancing costs again sooner.

Certainty – Fixed rates provide predictable monthly payments & help with cash flow planning.

Flexibility – A 2 year fix allows you to review your options sooner if rates fall.

Long Term Security – A 5 year fix offers greater protection against future rate rises & fewer refinancing costs.

There’s no one size fits all solution. The right mortgage should support your investment strategy, future plans, & attitude to risk, not simply chase the lowest headline rate….

Thinking about refinancing your buy to let portfolio?
Get in touch to discuss the options available 🏠

13/07/2026

"Dear Rory, Amanda, Kerry,
I want to extend my grateful thanks, the re-mortgage completed on Tuesday.

As always, you guys did brilliantly. On this occasion we got a valuation £20k higher than asked for, then got the LTV inched up.
And then just before drawing the mortgage down you did your magic and we got a couple of tads lower on the interest rate.

You worked incomparably well.
Thank you ever so much and with my good regards"
-Michael

06/07/2026

“The Bank of England has held Base Rate again, whilst mortgage pricing has continued to improve, with a number of lenders reducing rates over recent weeks.

The outlook is certainly more positive than earlier this year, but markets remain sensitive to economic & global events, so we’re not quite back to a completely settled position yet.
⸻
Mortgages
• Mortgage pricing has continued to improve.
• Competition between lenders is increasing again.
• If your fixed rate ends in the next 6–9 months, it’s worth reviewing options early rather than leaving it until the last minute.
⸻
Protection Focus
Cancer remains the most common reason for critical illness claims.

The good news is that survival rates continue to improve. The challenge is that mortgages, bills & family expenses don’t stop whilst you’re recovering.

Could your household cope financially if your income stopped tomorrow?
⸻
Private Medical Insurance
NHS waiting lists may be falling on paper, but many patients still face lengthy waits for consultations, diagnostics and treatment.
⸻
Planning Ahead
More families are reviewing trusts, inheritance tax planning & estate arrangements to ensure assets pass efficiently to the next generation.
⸻
If you or someone else could benefit from this message, feel free to forward it on….”
-Keely

02/07/2026

As we enter the summer period, we have seen some slight positives with rates improving slightly within the mortgage market. However, with the level of uncertainty right now & external influences the money markets are still remaining very volatile.

We would recommend if you are looking for finance in the next few months or have an existing mortgage with the rate ending to speak to us now. With the volatility in the market your broker can help you with securing the best rate for your circumstances now & we can keep this on review up to completion of the mortgage.

With Investors still looking at ways to maximise income from their properties we still see a steady demand for HMO finance & more specialist lease arrangements.

While the initial market reaction has been positive, landlords should avoid assuming a rapid or sustained drop in mortgage rates.
There are several reasons for this:
*Previous ceasefire announcements have not always held
*The agreement still needs to be formally signed and implemented
*Inflationary pressures from earlier energy price rises are still working through the system

This means that although mortgage rate reductions are possible, lenders & markets are likely to proceed cautiously.
From a practical standpoint, the current expectation is that the UK may still see one further base rate increase in 2026, before a potential easing in 2027.

What this means for landlords & remortgaging decisions: For landlords considering a buy to let remortgage or new investment, the key message remains unchanged.
Waiting for perfect certainty can be risky.

Markets can move quickly & mortgage pricing can shift within hours of key announcements. While rates may ease, they can just as easily rise again if conditions change….

Contact us for all your mortgage needs, we are always happy to help

25/06/2026

To coincide with the result of the EU referendum on this day in 2016, research from L&C Mortgages shows the significant shift in interest rates in the intervening ten years, underlining the significant change that mortgage borrowers have faced.

Tracking the lowest rates from the top ten UK lenders shows the average two year re-mortgage rates for those with a 40% deposit have trebled since the referendum.

On this day in 2016 the average rate was just 1.52% but has now lifted to 4.61%. Average five year rates are now 4.66%, having more than doubled from 2.20% in 2016.

A £200,000 25 year repayment mortgage would cost £322 more per month, a rise of almost £3,870 more each year.

Homebuyers have seen similar hikes. The average two year purchase rate for those with a 10% deposit was just 2.48% in June 2016 but now clocks in at 4.93%. Five year rates have lifted to 4.84% from 3.29% in ten years.

Mortgage rates have risen significantly in recent years with a host of factors contributing to the shift. Borrowers have also experienced the effects of the pandemic, the consequent rise in inflation & periods of market volatility, which increased funding costs for lenders, such as the Mini Budget & conflict in Ukraine and West Asia.

If you have any questions regarding your current mortgage or need advice on an upcoming one, don't hesitate to contact us to speak to one of the team....

*Information from The Financial Reporter
*Your home may be repossessed if you do not keep up repayments on your mortgage

23/06/2026

The government has unveiled major reforms for homebuying which aim to cut delays, reduce and digitalise paperwork & stop sales collapsing.

The average home purchase currently takes around 120 days, one in three sales fall through costing sellers around £400 million per year & failed transactions cost the economy up to £1.5 billion every year.

The new changes aim to cut homebuying times by around four weeks, save first time buyers an average of £650 & stop sales falling through.

At the heart of the reforms is a major shift to digital, replacing outdated paper based systems with faster, more reliable tools.

Sellers & estate agents will have to provide key information upfront in sales packs at the point of listing. This will set out a home’s condition, leasehold costs & chain status, creating a fairer, more transparent process for everyone involved.

Digital property logbooks and sales packs will allow trusted information to be shared securely between professionals & accessed by buyers and sellers in real time.

The government will also back digital identity checks, electronic signatures & AI assisted conveyancing to strip out duplication, reduce fraud risk & accelerate transactions from start to finish.

Changes will also see new earlier binding agreements to stop parties walking away months into negotiations without a legitimate reason.

If you have any questions regarding your current mortgage or a property you are looking to purchase, don't hesitate to contact us for help....

*Information from The Financial Reporter

21/06/2026

💙

Address

Office 01/10, The Gatehouse, 1 Armoury Way
London
SW181TH

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.trafalgarsq.co.uk/contact-us/

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