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News

At Scott & Goose, we like to stay informed on all the latest news and developments in the world of Equity Release, Mortgages and Insurance. By sharing them with you, we help you make informed decisions and, hopefully, save money in the long run.

Action plan for mortgage customers

Action Plan for Borrowers Check Your Timeline: If your fixed-rate deal expires anytime in 2026, you can secure a new rate up to six months in advance without paying an early repayment charge. Review Green Incentives: For those looking at energy-efficient or new-build properties, check lenders like Halifax and HSBC, which are offering specific cashback and lower interest tiers for...
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UK Mortgage rates

UK mortgage rates are experiencing mild, short-term drops as major lenders trim pricing, but the long-term outlook remains highly volatile due to global inflation pressures. The Bank of England base rate currently sits at 3.75%, having been held steady at the late April Monetary Policy Committee (MPC) meeting. While a dip in April inflation to 2.8% triggered...
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Equity release figures

Council publishes Q2 Lending figures 2025 Equity Release Market Records 10% Year-on-Year Growth Driven by New Customer Borrowing Overall activity – Q2 2025   Quarterly change Annual change Total lending £636m -4% +10% Total plans 14,404 0% +1% New plans 5,319 0% +2% Returning drawdowns 7,640 -1% -5% Further advances 1,445 +9% +40% Older homeowners unlocked...
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Ways to afford your own place

Ways to afford your own place Consider buying with a sibling or friend rather than just a partner. Some lenders have products that mean you don’t pay anything on your mortgage for the first couple of months to help you over the rest of your moving costs. If you open a Lifetime ISA before you’re...
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RATES DROPPED TO 4%. Great news, the Bank of England has reduced the base rate to 4.00%! It’s a positive sign that the market is moving in the right direction, and means we could start seeing lenders respond with even more attractive rates.

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One in four are overpaying In an effort to reduce the impact of mortgages

one in four (23 per cent) mortgage holders have told us that they are actively making overpayments. These overpayments are substantial too, averaging out at £221 per month. That’s on top of their regular repayments and works out to £2,647 per year. Those who are overpaying predict that this will reduce their mortgage term by...
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Equity Release

Mortgages

Insurance & Protection

Scott & Goose are Specialists in Equity Release, Mortgages and Insurance. We are dedicated to creating meaningful, long-term relationships with our clients based on understanding, knowledge and commitment to progress.

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Scott and Goose is directly authorised and regulated by the Financial Conduct Authority under reference 661183.
Registered in England and Wales No: OC395921.
Registered Office: Brickfield House, High Road, Thornwood, Epping, Essex, CM16 6TH. Calls may be recorded for training and monitoring.

Your home may be repossessed if you do not keep up repayments on your mortgage. Equity Release may affect the size of your estate and could affect your entitlement to current and future means-tested benefits. To understand the features and risks on an Equity Release product, ask for a personalised illustration.

If you wish to register a complaint, please contact Ian Scott, Scott & Goose, Brickfield House, Thornwood, Epping, CM16 6TH, tel 01992 563644.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.

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