I hope you’ve had a wonderful Christmas and a well-earned break. As we step into 2026, I wanted to share a quick update on the mortgage and housing market, and there’s finally some good news to start the year on a positive note.
A Promising Start: Rates Moving in the Right Direction
The recent Bank of England base rate reduction to 3.75% has set a much more optimistic tone for the year ahead. After a challenging couple of years, we’re now seeing:
- Growing competition between lenders
- Multiple rate cuts across the market
- More attractive fixed-rate deals returning
Lenders are keen to win business again, and that’s great news for anyone looking to buy, remortgage, or review their current deal.
The Housing Market: UK & Crosby Outlook 🏠
Across the UK, the market is showing early signs of stabilising. Confidence is slowly returning, and with borrowing costs easing, activity is expected to pick up as we move through the first half of 2026.
🌊 Local Outlook: Crosby, Waterloo & Liverpool
Here in Crosby, Waterloo and the wider Liverpool area, the picture is even more encouraging:
- Demand has remained steady thanks to strong local amenities, schools, and coastal appeal.
- Prices have held up better than many other parts of the UK.
- More buyers are re-entering the market as affordability improves.
- Sellers are becoming more realistic, creating a healthier balance between supply and demand.
It’s shaping up to be a much more positive year for both buyers and homeowners locally.
Thinking About Your Mortgage in 2026? ✨
Whether you’re planning to move, remortgage, or simply want to understand how the latest rate changes affect you, I’m here to help.
A quick review now could put you in a stronger position for the year ahead, especially with lenders actively reducing rates and competing harder for business.
Wishing You a Fantastic 2026
Thank you for your continued support throughout the past year. I’m looking forward to helping even more families and homeowners across Crosby, Waterloo and Liverpool make confident, informed decisions in 2026.
If you’d like to chat about your plans or explore your options, just get in touch — I’m always happy to help.
Warm wishes,
Craig Adams CeMAP
Mortgage & Protection Advisor
Crosby / Waterloo / Liverpool
📞 Contact number: 07495 753484
✉️ Email: ca@mhwifa.co.uk
⚠️ You could lose your property if you do not keep up payments on your mortgage.
