The mortgage market in 2026 is finally finding its feet. After years of volatility, we are seeing a “new normal” where mortgage rates have stabilised in the 3.5% to 4% range. However, stability doesn’t mean simplicity. With over 60 lenders constantly adjusting their criteria, the “best deal” today might be gone by tomorrow.

The Problem with High Street Banks

When you walk into a traditional bank, you are talking to a salesperson for that specific brand. They can only offer you their own products, even if a lender across the street has a rate that could save you £200 a month. In a market where every 0.1% matters, being “tied” to one lender is a risk most homeowners can’t afford.

The Amortgageshop Advantage

As a directly authorised, independent broker, we work for you, not the bank.

• Access to 60+ Lenders: We scan the entire market, including specialist lenders that don’t have high-street branches.

• Speed of Decision: Our experienced consultants often secure Decisions in Principle (DIP) within 24 hours. In a competitive housing market, this speed can be the difference between winning or losing a bid.

• The Personal Touch: While 2026 is the year of AI, we still believe in the power of face-to-face advice. We sit down with you to understand your life goals, not just your salary.

Expert Tip: Don’t wait until your current deal expires. We recommend starting the remortgage conversation 6 months in advance to lock in a rate and protect yourself against any sudden market shifts.