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Home Financial has achieved the ESTAS ‘Standard of Excellence’ to make the ESTAS – the biggest award scheme in the UK residential property industry, shortlist for the 5th consecutive year.  In addition, they have been recognised for delivering outstanding customer service to their clients by winning a Best in Postcode Award. The ESTAS ‘Standard of…

It was a disappointing Spring Budget for anyone looking to get onto the housing ladder. There was a distinct lack of announcements concerning Lifetime ISAs (contrary to expectations), no replacement for Help to Buy and no changes to Stamp Duty thresholds, a disappointment for many.   Just a few days ahead of the key fiscal…

The Bank of England (BoE) kept Bank Rate at 5.25% following the latest meeting of the Monetary Policy Committee (MPC) in February.   Bank Rate unchanged Having risen to 5.25% in August 2023, the MPC voted to freeze Bank Rate for a fourth consecutive meeting in February, with a majority of six to three keeping…

We are thrilled to announce that we have been selected as a finalist for the second year running the Halton Business Awards 2024. This year we have been selected as finalists for 2 awards ‘Outstanding Customer Service Award’ and ‘Best Small Family Business Award’. To be recognised as a finalist is an achievement that we…

Congratulations to all who completed the Warrington Town FC ‘Ultra Walk’, on Friday 1st March 2024, raising funds for the ground improvements required at the club. Home Financial was proud to be one of the t-shirt sponsors for the event. Our director, Ross Jones, and other Warrington Town FC supporters, set off on a 40-mile…

As 2024 begins in earnest, what can homeowners, sellers and prospective buyers expect in the new year? Falling house prices and uncertainty around mortgage rates made for a

On 22 November, Jeremy Hunt outlined 110 growth measures which he said would boost business investment by £20bn a year, as part of the Autumn Statement. In an effort to get the economy “back on track” his package of measures are intended to cut business taxes, raise business investment and get more people into work,…

If your mortgage deal is coming to an end, you may be deciding whether to fix or get a tracker. With mortgage rates starting to drop and uncertainty whether Bank Rate has peaked, there is a lot to consider… Tracker mortgages After 14 consecutive rises, the Bank of England held Bank Rate at 5.25% in…

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…