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The Bank of England (BoE)’s unexpected decision to hold Bank Rate at 5.25% in September fired the starting gun on a fierce battle in the mortgage market. Rates have since been edging down across the board as lenders compete to offer the most attractive deals. Is it time to fix? With mortgage rates having fallen…

With mortgage rates at their highest since the 2008 financial crisis1, those looking to remortgage have more to think about than usual. Many whose deals are coming up for renewal will have agreed their mortgage at a time when Bank Rate was just 0.1%. Now, it stands at 5.25%. If your deal is coming to…

We climbed, we slid, we got (very) wet and muddy, but we survived (with minimal injuries) and most importantly we raised over a whopping £1000 for charity!!! On Saturday 16th Ross, Jo, Chris, Helen and Paul H joined forces and took on the mighty Born Survivor course in Gisburn.  We were confronted with 18 obstacles,…

Supporting local sport is a big part of what we do at Home Financial, we’ve built strong relationships in both professional and grassroots, in and around the Warrington and Runcorn area. It was a privilege to be Match Sponsors of our home town club Warrington Wolves at their match against Castleford Tigers on the 2nd…

Everybody knows that life has a funny way of turning out differently to how we expect it to. When faced with the unpredictable twists and turns of fate, it is comforting to have the support of the right protection policy for your needs. Rising bills reinforce need for protection With rising household bills, as well…

Summer is here and activity in the housing and mortgage markets is hotting up… and cooling down at the same time. Latest data from the Royal Institution of Chartered Surveyors has positive news on housing supply, with a run of thirteen successive negative monthly readings for new instructions coming to an end with a positive…

It was lovely to visit Halton Haven Hospice this week and meet their fundraising Manager, Elle Smith to make our donation of £600 for this quarter. We promised to donate £10 for every mortgage we submitted in March in addition to the ticket sales from our charity networking event, held in January. Halton Haven provides…

We are thrilled to announce that we have been selected as a finalist for the ‘Outstanding Customer Service Award’ at the Halton Business Awards 2023. To be selected as a finalist is an achievement that we are extremely proud of as we always take

Buying a home for the first time can be an exciting but overwhelming process. With so many things to consider, it’s important to have a plan in place to ensure you make the right choices. Here are some tips to help you on your journey to becoming a homeowner. Determine your budget: Before you start…

Charity support is fundamental to the Home Financial values, and for the last 4 years we have donated £2,940 to well-deserved causes.  This year we are proud to continue to support charities that have been chosen by our team. In 2023 we will continue to donate £10 per mortgage written within a chosen month within…

Unpredictability was certainly a theme for UK housing in 2022, with political turbulence, Bank Rate hikes and shifting post-pandemic supply and demand patterns all contributing to an uncertain and fast-changing market. As we move in 2023, questions still abound. House prices to fall Foremost among these questions is – how far will house prices fall?…