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Trafalgar Square Financial Planning Consultants

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Trafalgar Square Financial Planning Consultants

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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.

14/10/2026

Many landlords have been hoping to see fixed rates move lower during 2026. Unfortunately, recent market conditions have made this difficult.

The primary issue remains SWAP rates, which underpin the pricing of many fixed rate mortgages. While SWAP rates have stabilised recently, they remain significantly higher than they were both a month ago & a year ago. This continues to feed through into the mortgage market & limits lenders' ability to reduce pricing.

Several factors are contributing to this situation.
First, ongoing tensions in the Middle East have pushed oil prices higher, raising concerns about future inflation. Markets remain nervous that sustained energy price increases could force interest rates to remain higher for longer than previously expected.

Second, gilt yields have risen as investors assess the potential impact of higher energy costs on inflation & future Bank of England policy. Rising gilt yields often place upward pressure on SWAP rates & by extension, mortgage pricing.

Finally, political developments have added another layer of uncertainty. Comments regarding fiscal flexibility & government spending have led some market participants to anticipate increased borrowing, resulting in further movement in gilt markets.

The combined effect of these factors is that fixed rate mortgages continue to feel relatively expensive compared to market expectations earlier in the year.

Make sure your mortgage is working for you. Get in touch to see how we could help you find the right deal for your needs....

06/10/2026

Getting a mortgage can feel complicated, but you don’t have to navigate it alone.

A mortgage broker can help you:
*Explore mortgage options from a range of lenders
*Find a deal that suits your circumstances
*Save time searching & comparing options
*Handle the paperwork & guide you through the application
*Have someone on your side from your first enquiry through to completion

Whether you’re a first time buyer, moving home, re-mortgaging or investing in property, getting the right advice can make the whole process feel much simpler.

Thinking about your mortgage options? We're always happy to help, contact us for a friendly, no obligation chat....

04/10/2026

Whether you’re looking to purchase a new property, re-mortgage an existing one, or need support with your property portfolio, we’re here to help....

Every situation is different & finding the right mortgage solution can make all the difference. We can talk through your circumstances, explore the options available & help you decide on the right way forward.

Get in touch with us this week for a chat about your mortgage & property plans....

30/09/2026

Many landlords were surprised to see some lenders increasing mortgage rates despite the Bank of England holding the base rate. The explanation lies in the wholesale funding markets.

Fixed rate mortgage pricing is largely driven by swap rates rather than the Bank of England base rate itself. Recently, geopolitical tensions in the Middle East contributed to higher oil prices, increasing inflation expectations & pushing swap rates upwards.

This translated into higher funding costs for lenders &, ultimately, higher mortgage rates.

Over the past few days, some of these pressures have eased. Oil prices have softened & swap rates have moved lower, which could provide some welcome relief if the trend continues.

However, landlords should avoid assuming this guarantees cheaper mortgage products ahead. Markets remain sensitive to geopolitical developments & funding costs can change quickly.

For investors looking to refinance or secure a new buy to let mortgage, it remains sensible to review options sooner rather than later rather than attempting to time the market perfectly….

Contact us to speak with one of our expert brokers about all your mortgage needs 😌

28/09/2026

If you're a UK landlord, the last few weeks have delivered plenty of headlines that could affect your investment strategy. From changes in mortgage pricing & swap rates to rental growth, house price movements & fresh data on buy to let performance, there is a lot to unpack.

The good news? Despite a tougher tax environment & elevated borrowing costs, many of the fundamentals supporting the UK buy to let sector remain firmly in place. Recent data suggests rental yields are improving, tenant demand remains strong & long term property investment continues to compare favourably against many alternative asset classes.

Let's take a closer look at the key developments landlords should be paying attention to.
30 Years of Buy to Let: A Market That Has Transformed -
Fresh research released this week marks 30 years since the launch of the UK's first buy to let mortgage in 1996. The findings provide a fascinating insight into how the market has evolved.

According to the research, every £1 invested in UK buy to let property in 1996 would have grown to approximately £22.30 by 2026, representing a return of more than 2,100%. Around 62% of this return came from rental income, with the remaining 38% generated through capital growth.

However, today's landlord operates in a very different environment.
Back in the late 1990s, landlords were typically purchasing properties for around £55,000 & most borrowers opted for repayment mortgages. Today, the average buy to let purchase price is closer to £360,000 & interest only borrowing has become the dominant strategy, reflecting a much stronger focus on cash flow & portfolio management.

This shift highlights an important point for investors. While capital growth remains important, successful landlords are increasingly focusing on sustainable rental income, yield performance & financing efficiency.

Need some guidance with your property, contact us & we will be happy to help....

24/09/2026

The Bank of England has held the Base Rate at 3.75%, but that doesn’t mean mortgage rates are standing still.

Fixed mortgage rates have been climbing as lenders respond to higher swap rates & continued inflation uncertainty. As of 24th September, average UK fixed rates were around 5.92% for two years & 5.94% for five years, although the most competitive deals remain below these averages.

If your current mortgage deal is coming to an end, waiting until the last minute could limit your options.

Now could be a good time to:
• Review your existing mortgage
• Explore re-mortgage options before your fixed rate expires
• Understand how changing rates could affect your monthly payments
• Speak to an adviser about the options available for your circumstances

At Trafalgar Square, we can help you navigate a changing mortgage market & understand which options may be suitable for you.

Get in touch with our team to discuss your mortgage options....

Your home may be repossessed if you do not keep up repayments on your mortgage

17/09/2026

“It’s been a difficult few weeks in the mortgage market, with rates rising & products being repriced or withdrawn quickly.

If your mortgage is due within the next 6–9 months, it’s worth reviewing early as a rate can often be secured in advance & changed later if the market improves.
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Property & Landlord Update
Landlords have seen some big changes this year, including the Renters’ Rights reforms and Making Tax Digital for those with qualifying income over £50,000.

From April 2027, property income tax rates are also due to increase by 2%.

We can help with everything from standard and Ltd Company BTL to HMOs, multi-unit blocks, bridging & development finance.
⸻
Don’t Forget the Person Behind the Portfolio
If something happened to you, could your family afford to keep your properties?
The right protection can help reduce borrowing, replace lost income & avoid properties having to be sold at the wrong time. For larger portfolios, inheritance tax & estate planning are also worth considering.
⸻
If you or someone else could benefit from this message, feel free to forward it on….”
- Keely Clarke

09/09/2026

Whether you’re buying your next home, growing a property portfolio or looking for a more specialist lending solution, finding the right mortgage starts with understanding your individual circumstances.

At Trafalgar Square, we’re independent mortgage brokers with access to the whole UK lender market, helping you cut through the complexity & find a solution that works for you.

From Residential & Buy-to-Let to Commercial Mortgages, Bridging Finance & Portfolio Planning, our experienced team is here to guide you from initial strategy through to completion.

Ready to explore your options? Get in touch with our team today 😌

03/09/2026

Always 5 star reviews from our clients & we couldn’t be more grateful 🫶🏽

There’s nothing better than hearing that we’ve helped make the mortgage journey feel simpler, clearer & less stressful 🏡

Every 5 star review means so much to the team.
Thank you to everyone who has taken the time to share their experience & recommend us.
If you haven’t already then we’d appreciate any feedback; this can be done on Google reviews & Trustpilot.

Whether you’re a first-time buyer, moving home, remortgaging or exploring your options, we’re here to help you find the right mortgage for your circumstances.
Ready to take the next step? Get in touch with us today & let’s talk mortgages….

31/08/2026

Despite regulatory changes & challenging conditions, the answer appears to be a resounding yes….

Recent market analysis suggests landlords accounted for more than 14% of all property purchases during July, significantly above the year to date average.

What’s particularly interesting is the discounts investors are securing. Many landlords are successfully negotiating below asking price, with a growing proportion of sellers accepting offers more than 10% beneath their advertised price. Leasehold flat owners, in particular, appear increasingly willing to accept lower offers.

At the same time, rental growth continues to strengthen, supporting long term investment returns & improving rental yield calculations.
For experienced investors with access to finance, today’s market is arguably presenting opportunities that were much harder to find during the boom years.

A final thought; While headlines often focus on challenges facing landlords, the latest evidence suggests that many buy to let investors continue to find opportunities in today’s market.

Mortgage lenders remain competitive, rental yields are strengthening, arrears are falling & investors are securing increasingly attractive purchase prices.

The market is certainly evolving, & the Renters’ Rights Act will continue to require careful attention. However, for landlords with a clear strategy & access to the right finance, there are still plenty of reasons to remain optimistic about buy to let investing.

If you’d like to discuss your next purchase, remortgage, limited company buy to let mortgage or portfolio strategy, one of our brokers would be delighted to help 😌

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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