# mortgage rates (blogs) — RSS Amplifier Recent posts from the 5 feeds in the RSS Amplifier directory that cover mortgage rates. Page: Feed: --- ## [UK regulated bridging loan market hits £1.83bn](https://www.mpamag.com/uk/mortgage-types/bridging/uk-regulated-bridging-loan-market-hits-183bn/586889) _2026-08-21 · Mortgage Introducer_ New research shows growth in homeowners using short-term finance to break property chains ## ['Burnham can't face Parliament if Bank of England raises rates': mortgage adviser](https://www.mpamag.com/uk/news/general/burnham-cant-face-parliament-if-bank-of-england-raises-rates-mortgage-adviser/587048) _2026-08-21 · Mortgage Introducer_ Moustafa says political pressure on the central bank is distorting lender pricing and making her job harder every day ## [UK mortgage rates and product changes (Week ending 21 August 2026)](https://www.mpamag.com/uk/mortgage-industry/guides/uk-mortgage-rates-and-product-changes-week-ending-21-august-2026/586370) _2026-08-21 · Mortgage Introducer_ Your round-up of mortgage rate changes and product updates over the past week ## [Why Merseyside is England's most resilient housing market](https://www.mpamag.com/uk/mortgage-types/residential/why-merseyside-is-englands-most-resilient-housing-market/587013) _2026-08-21 · Mortgage Introducer_ New data reveals Merseyside sellers are resisting price cuts at a rate that leaves the rest of England trailing ## [Halifax slashes rates on homemover and remortgage products](https://www.mpamag.com/uk/news/general/halifax-slashes-rates-on-homemover-and-remortgage-products/587001) _2026-08-21 · Mortgage Introducer_ Lenders are doing more to attract borrowers, but most fixed rates remain higher than borrowers had hoped ## [Rural property market: castles to cottages, what buyers can expect to pay](https://www.mpamag.com/uk/news/general/rural-property-market-castles-to-cottages-what-buyers-can-expect-to-pay/586892) _2026-08-20 · Mortgage Introducer_ Average asking prices and acreage across four rural property types in Great Britain revealed ## [Why gifting early can save families thousands in inheritance tax](https://www.mpamag.com/uk/mortgage-types/later-life-lending/why-gifting-early-can-save-families-thousands-in-inheritance-tax/586907) _2026-08-20 · Mortgage Introducer_ Families planning to pass on wealth face complex IHT rules – and the cost of getting them wrong is rising ## [Asking price falls mask a more complicated picture on the ground](https://www.mpamag.com/uk/mortgage-types/residential/asking-price-falls-mask-a-more-complicated-picture-on-the-ground/586895) _2026-08-20 · Mortgage Introducer_ Mortgage consultant warns clients coming off five-year fixes are rethinking moves as asking prices hit an eight-year August low ## [A third of first-time buyers bypass brokers for mortgage advice, study finds](https://www.mpamag.com/uk/mortgage-types/first-time-buyer/a-third-of-first-time-buyers-bypass-brokers-for-mortgage-advice-study-finds/586852) _2026-08-20 · Mortgage Introducer_ Report reveals significant share of prospective buyers turning to online searches and family guidance over professional broker support ## ['Homebuyer catfishing' backfires as AI-enhanced listings deter buyers](https://www.mpamag.com/uk/news/general/homebuyer-catfishing-backfires-as-ai-enhanced-listings-deter-buyers/586858) _2026-08-20 · Mortgage Introducer_ Over half of buyers rule out properties immediately upon discovering photos were digitally altered, results of new survey show ## [Zero-Persistence E2EE (Sponsored)](https://crawlproof.com/a/cIGRDNH5tHnx) _2026-08-20 · **Sponsored**_ End-to-end encryption with client-side WebCrypto and volatile memory. ## [Lloyds: First-time buyers ruling themselves out over mortgage myths](https://www.mpamag.com/uk/mortgage-types/first-time-buyer/lloyds-first-time-buyers-ruling-themselves-out-over-mortgage-myths/586729) _2026-08-20 · Mortgage Introducer_ More than half of prospective buyers wrongly believe existing debt would block their application ## [UK borrowers tuned out the energy shock impacting their mortgage rates](https://www.mpamag.com/uk/news/general/uk-borrowers-tuned-out-the-energy-shock-impacting-their-mortgage-rates/584586) _2026-08-20 · Mortgage Introducer_ New client sentiment report shows borrowers filtered global events through personal finances, not headlines ## [Specialist lenders warned against 'automating an inefficient process'](https://www.mpamag.com/uk/mortgage-types/specialist-finance/specialist-lenders-warned-against-automating-an-inefficient-process/586655) _2026-08-19 · Mortgage Introducer_ Operational transformation, not AI adoption, is the metric that matters in specialist finance, says Crystal SF's operations director ## [What the latest inflation uptick could mean for the Bank of England](https://www.mpamag.com/uk/mortgage-industry/market-trends/what-the-latest-inflation-uptick-could-mean-for-the-bank-of-england/586699) _2026-08-19 · Mortgage Introducer_ Could interest rate increases be ahead? ## [HSBC cuts rates and raises lending limits for residential mortgages](https://www.mpamag.com/uk/mortgage-types/residential/hsbc-cuts-rates-and-raises-lending-limits-for-residential-mortgages/586692) _2026-08-19 · Mortgage Introducer_ Lender increases maximum borrowing to £5 million and reduces select rates by up to 0.20% ## [Are Lower Mortgage Rates Finally Coming?](https://www.jakeplanton.com/blank-2/are-lower-mortgage-rates-finally-coming) _2026-08-17 · jacob Planton · JakePlanton_ Monday Morning Mortgage Update: We got some encouraging economic news last week. Inflation continued to cool in July, with both consumer and producer inflation coming in better than expected. At the same time, retail sales declined, and the latest jobs report showed some weakness in the labor market. Why does that matter for mortgage rates? Generally, mortgage rates like to see two things: lower… ## [Aug 10th, 2026 Market Update](https://www.jakeplanton.com/blank-2/aug-10th-2026-market-update) _2026-08-10 · jacob Planton · JakePlanton_ Mortgage Market Update: Why This Week Matters Last week's jobs report came in weaker than expected, which is generally good news for mortgage rates. A slowing job market can ease inflation pressure and increase the chances of lower rates over time. That said, we're not out of the woods yet. This week's Consumer Price Index (CPI) report will likely be the biggest driver of mortgage rates. If… ## [Mortgage Rates Climb to 6.66%, Highest in a Year, as Fed Holds Amid Rare 3-Way Dissent and MBA Applications Tumble 6.4%](https://vaultedge.substack.com/p/mortgage-rates-climb-to-666-highest) _2026-08-04 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: The 30-year fixed rises to 6.66% in Freddie Mac's July 30 survey after the Fed's rare 9-3 vote to hold rates, while MBA data for the week ending July 24 show applications down ## [Q3 US Real GDP Growth At 5% (So Much For The Iran “War” Slump)](https://confoundedinterest.net/2026/08/01/q3-us-real-gdp-growth-at-5-so-much-for-the-iran-war-slump/) _2026-08-01 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ According to the Atlanta Fed s GDP Now REAL time model, Q3 Real GDP is 5%. The subcomponents of GDP growth are as follows: So much for the doom and gloom of Trump s tariff war or Trump s Iran war. 5% Real GDP growth is outstanding! And The Fed keeps on printing money (M2)! Keep on printin ! Continue reading Q3 US Real GDP Growth At 5% (So Much For The Iran War Slump) ## [US Mortgage Origination Remain Subdued At Fed Keeps Target Rate At 3.75% (US Home Prices Have Over Doubled Since 2015 Making Housing Unaffordable For Millions)](https://confoundedinterest.net/2026/07/29/us-mortgage-origination-remain-subdued-at-fed-keeps-target-rate-at-3-75-us-home-prices-have-over-doubled-since-2015-making-housing-unaffordable-for-millions/) _2026-07-29 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ Large bank mortgage originations have crashed and burned since 2022. The Fed has raised rates following the Covid outbreak and have not cut rates in a significant manner. Another problem facing the US economy is that housing prices have over doubled since 2015. My reaction to the Fauci testimony in Congress. I am surprised that Continue reading US Mortgage Origination Remain Subdued At Fed Keeps… ## [Stay updated on your professional world (Sponsored)](https://crawlproof.com/a/qZtTnTUKYUdQ) _2026-07-29 · **Sponsored**_ Keep in touch with people you know, build your career. ## [Mortgage Rates Climb to 6.55%, Highest in Nearly a Year, as MBA Applications Fall 2.7%, June CPI Cools to 3.5% and Existing-Home Sales Slip to 4.09M While Prices Hit a Record High](https://vaultedge.substack.com/p/mortgage-rates-climb-to-655-highest) _2026-07-20 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: The 30‑year fixed rises to 6.55% in Freddie Mac’s July 16 survey, the highest level since August 2025; MBA data for the week ending July 10 show applications down 2.7% ## [Real Home Price Growth Is Negative (Worse In China), Fed Money Printing (M2) Increasing, China’s Money Printing Increasing Even Faster Than US](https://confoundedinterest.net/2026/07/20/real-home-price-growth-is-negative-worse-in-china-fed-money-printing-m2-increasing-chinas-money-printing-increasing-even-faster-than-us/) _2026-07-20 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ US home prices are clearly unaffordable for younger households, given the dearth of true starter homes. As of Q1 2026, REAL US residential property prices fell -2.1% YoY. China s real residential property prices are declining even faster than the US. The US Federal Reserve is printing money M2 at a 5.6% YoY pace. Slower than Continue reading Real Home Price Growth Is Negative (Worse In China), Fed… ## [Mortgage Rates Tick Back Up to 6.49% as MBA Applications Fall 2.2%, Existing-Home Sales Slip to 4.09M and Prices Hit a Record $440,600](https://vaultedge.substack.com/p/mortgage-rates-tick-back-up-to-649) _2026-07-13 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: The 30-year fixed rises to 6.49% in Freddie Mac’s July 9 survey after last week’s dip, MBA data for the week ending July 3 show applications down 2.2% with refis -4.1%. ## [Mortgage Rates Ease to 6.43% as June Payrolls Miss at 57,000, Unemployment Dips to 4.2% on Weaker Participation, and MBA Purchase Demand Edges Higher in a “Slow-Cool” Economy](https://vaultedge.substack.com/p/mortgage-rates-ease-to-643-as-june) _2026-07-06 · Bhargav · Vaultedge Newsletter_ What’s Included: ## [Mortgage Rates Hold Near 6.5% as Applications Edge Up 1%, New Home Sales Fall 7.3% and Existing Sales Hit 4.17M at a $429,300 Median](https://vaultedge.substack.com/p/mortgage-rates-hold-near-65-as-applications) _2026-06-29 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: The 30‑year fixed sits at 6.49% in Freddie Mac’s June 25 survey, MBA applications rise 1.0% for the week ending June 19 on refi strength. ## [Mortgage Rates Dip to 6.47% as Fed Holds Rates at 3.50-3.75% in Kevin Warsh’s First Meeting and MBA Applications Slip 3.8% After Last Week’s Surge](https://vaultedge.substack.com/p/mortgage-rates-dip-to-647-as-fed) _2026-06-22 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: 30‑year fixed eases to 6.47% (Freddie Mac, June 18) from 6.52% a week earlier, the Fed under new Chair Kevin Warsh keeps the policy rate at 3.50-3.75%. ## [While The Typical Starter Home Is $198,649, A Record 242 Cities Have Starter Homes Valued At $1 Million Or More (California Has 105 Cities With $1M+ Starter Homes)](https://confoundedinterest.net/2026/06/20/while-the-typical-starter-home-is-198649-a-record-242-cities-have-starter-homes-valued-at-1-million-or-more-california-has-105-cities-with-1m-starter-homes/) _2026-06-20 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ SEATTLE, June 15, 2026 /PRNewswire/ The bar for entry-level homeownership has never been higher. While the typical starter home nationwide is worth $198,649, a record 242 cities now have starter homes valued at $1 million or more, A typical starter home is defined for this analysis as a home in the lowest third of home values Continue reading While The Typical Starter Home Is $198,649, A Record… ## [Mortgage Rates Nudge Up to 6.52% as Inflation Jumps to 4.2% and Applications Rebound 10.8% Ahead of Kevin Warsh’s First Fed Meeting](https://vaultedge.substack.com/p/mortgage-rates-nudge-up-to-652-as) _2026-06-15 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: 30‑year fixed rises to 6.52% (Freddie Mac, June 11) after last week’s dip, CPI inflation vaults to 4.2% in May on an energy shock, MBA applications jump 10.8% after three weeks ## [Mortgage Rates Drop to 6.48% After Five-Week Surge as May Jobs Crush Expectations at 172K, But Applications Fall 2.5% for Third Straight Week Heading into Kevin Warsh's June 16-17 FOMC Debut](https://vaultedge.substack.com/p/mortgage-rates-drop-to-648-after) _2026-06-08 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: Rates ease to 6.48% (Freddie Mac, June 4) from 6.65% peak as oil moderates and bonds stabilize, May jobs report crushes forecasts with 172K additions vs. 85K expected. ## [US Jobs Skyrocket By 172K In May, Finance/Insurance Jobs Nosedive By -20.2K, Local Government Jobs Rise By 55K](https://confoundedinterest.net/2026/06/05/us-jobs-skyrocket-by-172k-in-may-finance-insurance-jobs-nosedive-by-20-2k-local-government-jobs-rise-by-55k/) _2026-06-05 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ Welcome to the whacky world of employment in the AI era! US jobs rose by 172K in May. Local government rose by 55K while finance/insurance jobs fell by -20.2K in May. ## [Brisk AI News Briefings (Sponsored)](https://crawlproof.com/a/2lCQjoBWlF1R) _2026-06-05 · **Sponsored**_ Read AI summaries and listen to audio briefings for top stories. ## [Mortgage Rates Hit 6.53-6.65% Nine-Month High as Kevin Warsh Sworn In as Fed Chair, Q1 GDP Revised Down to 1.6%, MBA Applications Plunge 8.5%](https://vaultedge.substack.com/p/mortgage-rates-hit-653-665-nine-month) _2026-06-01 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: Rates surge to 6.53-6.65% (highest since August 2025) in week ending May 22 driven by persistent inflation and rising Treasury yields. ## [Mortgage Rates Surge to 6.58-6.75% as Kevin Warsh Sworn In as New Fed Chair, April Housing Starts Fall 2.8%, and MBA Applications Drop 2.3%](https://vaultedge.substack.com/p/mortgage-rates-surge-to-658-675-as) _2026-05-25 · Bhargav · Vaultedge Newsletter_ Mortgage Market Update: Rates climb to one-month high of 6.58-6.75% (May 19) driven by Iran conflict and inflation concerns, Kevin Warsh officially sworn in as 17th Fed Chair on May 22 replacing Powel ## [Consumer prices rose 3.8% annually in April, the highest since May 2023, but … Fed printed M2 at 4.6% annually in March](https://confoundedinterest.net/2026/05/12/consumer-prices-rose-3-8-annually-in-april-the-highest-since-may-2023-but-fed-printed-m2-at-4-6-annually-in-march/) _2026-05-12 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ The inflation numbers are out for April. Consumer prices rose 3.8% annually, higher than The Fed s target rate of 2%. To be fair, The Federal Reserve pumped up the money supply (M2) by 4.6% in March. According to the BLS, gasoline prices rose 28.4% annually in April while shelter rose 3.3% annually. Do the Federal Continue reading Consumer prices rose 3.8% annually in April, the highest since May… ## [MBA Mortgage Purchase Application Down -3.7% As Mortgage Rates Rise](https://confoundedinterest.net/2026/05/07/mba-mortgage-purchase-application-down-3-7-as-mortgage-rates-rise/) _2026-05-07 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ MBA Mortgage Purchase Index down -3.7% over the past week after climbing +1.2% in prior week…30y mortgage rate rose to +6.45% up from +6.37% and highest in a month. With the Federal government playing an outsized role in the housing and mortgage markets, the Federal goverment is like an enormous Mantis Shrimp. ## [New Home Sales Rise In March Despite Rising Mortgage Rates](https://confoundedinterest.net/2026/05/07/new-home-sales-rise-in-march-despite-rising-mortgage-rates/) _2026-05-07 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ High home prices show signs of cooling, mortgage rates remain fairly constant, while new home sales increase by 47k in March. Despite rising mortgage rates. The bigger picture? New home sales remain relatively depressed after the Covid outbreak in 2020. ## [March Existing Home Sales MEDIAN PRICE Falls -6.2%YoY, Worst March Since 2009 (Rent Growth Slowing To 1.8% YoY)](https://confoundedinterest.net/2026/05/06/march-existing-home-sales-median-price-falls-6-2yoy-worst-march-since-2009-rent-growth-slowing-to-1-8-yoy/) _2026-05-06 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ Median price for new single family homes fell to $387,400 in April, dropping 6.2% y/y to its lowest level since July 2021. Worst March for existing home sales since 2009. Rents? Lowest since pre-pandemic. Is Rosa DeLauro actually Moe Howard with purple hair?? ## [US Debt To GDP Ratio At 1.22 (Nothing Has Been The Same Since 2020 Covid Outbreak)](https://confoundedinterest.net/2026/05/05/us-debt-to-gdp-ratio-at-1-22-nothing-has-been-the-same-since-2020-covid-outbreak/) _2026-05-05 · confoundedinterest17 · Confounded Interest – Anthony B. Sanders_ It used to be that a debt-to-GDP (Gross Domestic Product) ratio above 1.0 would be disastrous. Yet, the US Debt-to-GDP ratio rises during and after most recessions. Why? The old Keynesian model called for increased government spending and debt to pull the country out of a recession. But the Keynesian model called for debt to Continue reading US Debt To GDP Ratio At 1.22 (Nothing Has Been The Same… ## [New signature](https://www.jakeplanton.com/blank-2/new-signature) _2026-04-30 · jacob Planton · JakePlanton_ ## [Who can give gift funds??](https://www.jakeplanton.com/blank-2/who-can-give-gift-funds) _2026-04-29 · jacob Planton · JakePlanton_ A lot of buyers don’t realize this… Not all “gift money” is treated the same when you’re buying a home. This chart breaks down who can give gift funds depending on the loan type. Family is usually fine. Fiancés, partners, sometimes okay. Friends… it gets tricky depending on the program. But here’s the part that actually matters The easiest way to handle gift funds is NOT having the money go to you… ## [What Happens When an Appraisal Comes in Low?](https://www.jakeplanton.com/blank-2/what-happens-when-an-appraisal-comes-in-low) _2026-04-21 · jacob Planton · JakePlanton_ Few moments in a real estate transaction create more anxiety than a low appraisal. You’re under contract, everything feels like it’s moving forward, and then the appraisal report comes in below the agreed-upon purchase price. It can feel like a major setback. In reality, it’s a moment that requires a strategy shift, not panic. What a Low Appraisal Actually Means An appraisal is the lender’s way of… ## [Does a Mortgage Pre-Approval Expire? Not Exactly.](https://www.jakeplanton.com/blank-2/does-a-mortgage-pre-approval-expire-not-exactly) _2026-04-14 · jacob Planton · JakePlanton_ A lot of buyers are told their pre-approval is “good for 60 to 90 days.” While that’s not entirely wrong, it’s also not the full picture. A pre-approval doesn’t really expire in the way people think. What actually expires are the documents used to support it. What’s Really Going On A pre-approval is based on a snapshot of your financial situation at a specific point in time. That includes your… ## [How Gift Funds Work on a Conventional Mortgage](https://www.jakeplanton.com/blank-2/how-gift-funds-work-on-a-conventional-mortgage) _2026-04-08 · jacob Planton · JakePlanton_ Using gift funds for a home purchase is very common, especially for first-time buyers. Family members often want to help, and conventional loans allow for that. The key is making sure the gift is handled and documented correctly. Here’s how it works. What Is a Gift Fund? A gift fund is money given to a borrower that does not need to be repaid. It can be used toward the down payment, closing costs,… ## [The 3 Types of Occupancy (and Why It Matters More Than You Think)](https://www.jakeplanton.com/blank-2/the-3-types-of-occupancy-and-why-it-matters-more-than-you-think) _2026-03-31 · jacob Planton · JakePlanton_ One of the most common points of confusion I see with buyers is occupancy. In simple terms, it’s how you plan to use the home you’re buying. Seems straightforward…until it isn’t. There are three main types of occupancy in mortgage lending: primary residence, second home, and investment property. Each one comes with different rules, different pricing, and different expectations from the lender.… ## [Why Communication Matters More Than Speed in a Mortgage Transaction](https://www.jakeplanton.com/blank-2/why-communication-matters-more-than-speed-in-a-mortgage-transaction) _2026-03-24 · jacob Planton · JakePlanton_ In real estate, speed gets a lot of attention. Fast approvals. Quick turn times. Rapid responses. It all sounds great, and in many cases, speed does matter. But what matters more, especially during a transaction, is communication. Speed Without Communication Creates Stress A fast-moving file doesn’t feel fast if no one knows what’s happening. When buyers and agents are left guessing, even small… ## [Why Payment Comfort Matters More Than Purchase Price](https://www.jakeplanton.com/blank-2/why-payment-comfort-matters-more-than-purchase-price) _2026-03-17 · jacob Planton · JakePlanton_ When buyers start shopping for a home, the focus is almost always on purchase price. It’s the number everyone talks about. It’s how homes are listed, searched, and compared. But the number that actually impacts your life is not the purchase price. It’s the monthly payment. You Don’t Live in the Price The purchase price is a one-time number. The monthly payment is something you live with every… ## [Phoenix Housing Weekly Closing Down](https://phoenixhousingweekly.substack.com/p/phoenix-housing-weekly-closing-down) _2026-01-05 · Brandon Cornett · Phoenix Housing Weekly_ Premium subscribers will receive a pro-rated refund for the remainder of their current subscription period. ## [Phoenix Conforming Loan Limits 2026: A Home Buyer’s Guide](https://phoenixhousingweekly.substack.com/p/phoenix-conforming-loan-limits-2026) _2025-12-30 · Brandon Cornett · Phoenix Housing Weekly_ The conforming limit for single-family homes in the Valley will go up to $832,750 in 2026. ## [Phoenix FHA Loan Limits Increased for 2026](https://phoenixhousingweekly.substack.com/p/phoenix-fha-loan-limits-increased) _2025-12-23 · Brandon Cornett · Phoenix Housing Weekly_ The new loan limit for a single-family home in the Phoenix area will be $557,750. ## [A Lot of People Are Moving from Chicago and Seattle Into Phoenix](https://phoenixhousingweekly.substack.com/p/a-lot-of-people-are-moving-from-chicago) _2025-12-16 · Brandon Cornett · Phoenix Housing Weekly_ An updated look at the migration trends bringing home buyers to Phoenix. ## [Three Things Phoenix Home Sellers Should Know in 2026](https://phoenixhousingweekly.substack.com/p/three-things-phoenix-home-sellers) _2025-12-09 · Brandon Cornett · Phoenix Housing Weekly_ Phoenix-area home sellers will need to work harder and smarter to attract offers next year.