EPISODE · Jan 14, 2026 · 32 MIN
1.8 million remortgages coming this year: mortgage market expert Paul Thomas explains why rates are falling
from Mouthy Money: Building wealth with long term investing and saving strategies · host Mouthy Money | UK finance podcast on building wealth
Are you one of the 1.8 million homeowners planning to remortgage this year? In our latest podcast, Paul Thomas shares insights on the 2026 mortgage market and what rate cuts might mean for you. With some bullish forecasts, could we see rates drop as low as 2.75%? Paul explains:-There is a consensus that mortgage rates may decrease this year.-Economic indicators like inflation and employment significantly impact mortgage rates.-Homeowners should not panic about recent low property sales in their area.-Remortgaging can be beneficial, but timing and market conditions matter.-It's essential to explore multiple mortgage options before making a decision.-Staying with the same lender can simplify the remortgaging process.-Don't leave remortgaging decisions until the last minute.-The housing market may improve as economic conditions stabilize.-Understanding the mortgage market dynamics is crucial for homeowners.-There are reasons to be hopeful for better mortgage rates in the near future.Chapters00:00 Introduction to the Mortgage Market Discussion02:57 Current Trends in Mortgage Rates05:32 The Impact of Economic Indicators on Mortgages08:30 Understanding Remortgaging and Its Challenges11:05 Navigating the Mortgage Market: Tips for Homeowners13:46 Future Outlook for Mortgage Rates and Housing Market16:45 Practical Steps for Remortgaging19:28 Final Thoughts and ConclusionCONNECT WITH USThank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at [email protected] DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmartPlease note, video captions are auto-generated and may not be 100% accurate.
What this episode covers
Are you one of the 1.8 million homeowners planning to remortgage this year? In our latest podcast, Paul Thomas shares insights on the 2026 mortgage market and what rate cuts might mean for you. With some bullish forecasts, could we see rates drop as low as 2.75%? Paul explains:-There is a consensus that mortgage rates may decrease this year.-Economic indicators like inflation and employment significantly impact mortgage rates.-Homeowners should not panic about recent low property sales in their area.-Remortgaging can be beneficial, but timing and market conditions matter.-It's essential to explore multiple mortgage options before making a decision.-Staying with the same lender can simplify the remortgaging process.-Don't leave remortgaging decisions until the last minute.-The housing market may improve as economic conditions stabilize.-Understanding the mortgage market dynamics is crucial for homeowners.-There are reasons to be hopeful for better mortgage rates in the near future.Chapters00:00 Introduction to the Mortgage Market Discussion02:57 Current Trends in Mortgage Rates05:32 The Impact of Economic Indicators on Mortgages08:30 Understanding Remortgaging and Its Challenges11:05 Navigating the Mortgage Market: Tips for Homeowners13:46 Future Outlook for Mortgage Rates and Housing Market16:45 Practical Steps for Remortgaging19:28 Final Thoughts and ConclusionCONNECT WITH USThank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at [email protected] DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmartPlease note, video captions are auto-generated and may not be 100% accurate.
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1.8 million remortgages coming this year: mortgage market expert Paul Thomas explains why rates are falling
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