Miles Rhodes Mortgages

13/10/2026

https://milesrhodes.com/2026/10/13/mortgage-deposit-size-family-help/

Learn how mortgage deposit size affects rates and repayments, and how parents or grandparents can help first-time buyers.

05/10/2026

CIS Contractor?
Getting a Mortgage Could Be Easier Than You Think
If you work in construction and are paid through the Construction Industry Scheme (CIS), you may think that being a contractor automatically makes getting a mortgage more difficult.
That isn't necessarily the case.
A number of mortgage lenders understand how CIS contractors are paid and have specific ways of assessing their income. Depending on your circumstances, this can mean your mortgage options may be better than you initially expected.
At Miles Rhodes Mortgages, we can help you understand how lenders may view your CIS income and find a mortgage that suits your individual circumstances.
We can help with:
🏡 Understanding your borrowing potential based on your CIS income
🔍 Searching across a wide range of mortgage lenders and their different CIS criteria
📋 Finding a suitable mortgage based on your circumstances, rather than assuming a standard employed or self-employed approach
💬 Straightforward, personalised advice from your initial enquiry through to your mortgage application and beyond
Every CIS contractor's circumstances are different. How long you've been contracting, your income history and the way you're paid can all affect which lenders may be suitable.
So, if you're a CIS contractor thinking about buying a home, moving house or remortgaging, it's worth speaking to us before assuming your options are limited.
You might have more mortgage options than you think.

Your home may be repossessed if you do not keep up repayments on your mortgage.

28/09/2026

The Your First Home scheme could help first-time buyers purchase with a 2.5% deposit. Miles Rhodes explain how the new scheme may work.

22/09/2026

https://milesrhodes.com/2026/09/21/auction-property-mortgage/

14/09/2026

A great explanation of what's happening in the market right now by Nicky

📈 Why are mortgage rates creeping up when the Bank Rate hasn’t changed?

You may have noticed some UK lenders increasing their fixed mortgage rates recently — and the reason is largely down to swap rates.

Swap rates are a key part of how lenders price fixed-rate mortgages. At the moment, they’ve been pushed higher by rising gilt yields, renewed inflation concerns and uncertainty around where interest rates are heading next. (Reuters⁠)

The Bank of England has currently held Bank Rate at 3.75%, but markets are becoming more cautious about further cuts, with inflation and higher energy prices creating fresh concerns. (Bank of England⁠)

👉 So what does this mean for you?

It doesn’t necessarily mean mortgage rates will keep rising — swap rates can move quickly in either direction. But if you’re coming off a fixed rate soon, it’s worth looking at your options sooner rather than later.

As always, don’t panic and don’t assume your bank is offering you the best deal. There may still be options available across the wider market.

💬 If you’re due to remortgage or you’re thinking of moving, get in touch and let’s see what’s available for you.

PropertyMarket

03/09/2026

Protecting your mortgage matters. Learn how life insurance, critical illness cover and income protection can help protect your home, income and your family's financial future.

21/08/2026

Mortgage broker vs going direct? See why whole-of-market mortgage advice could give you more choice and how Miles Rhodes Mortgages can help.

27/07/2026

We are delighted to announce that Miles Rhodes Mortgages has been named Best Business to...

22/07/2026

The Miles Rhodes team discuss how the conflict in Iran is affecting mortgages in the UK and who to speak to

24/06/2026

It was great to get the team together at our latest CPD day. There is always something new to learn and some great ideas on how we can help our customers buy their dream homes. Thanks to the guest speakers on the day. This was Kevin's last CPD day before he retires in November. He has been amazing for Miles Rhodes and his customers, he will be sorely missed!