Welcome to our Autumn-Winter 2025 quarterly issue of The Mortgage & Property Magazine
For many homeowners, remortgaging is no longer a question of if, but when. Acting at the right moment can lower your monthly payments, secure a more competitive rate, or unlock equity to fund renovations and other goals. Timing and preparation matter. Turn to page 22 to learn how to recognise the key trigger points, such as fixed-rate deals ending or changes in income and manage your mortgage effectively over the long term.As borrowing costs change, reducing your monthly mortgage payment has become a priority for many households. On page 24, we explore practical ways to achieve this, from switching products or lenders to adjusting repayment terms and making overpayments where appropriate. You’ll find clear guidance to help you strike the right balance between immediate relief and long‑term financial security.The festive season always seems to arrive sooner than expected. A well-prepared home sets the perfect scene for a relaxed and joyful Christmas, offering a warm sanctuary for family and friends amidst the winter rush.
Discover our step-by-step guide on page 77 for a stress-free plan, covering décor, maintenance, and hosting tips, to help you fully enjoy the magic of the occasion.
Choosing between a fixed-rate and a tracker mortgage is one of your biggest decisions. Each operates very differently, and the right choice depends on your personal circumstances, risk appetite, and whether you value stability over potential savings if rates fall. Read the full article on page 30 for a clear comparison, pros and cons, and scenarios to help you decide with confidence.
A complete list of the articles appears on pages 03 to 05.
