Damien Gath Just Mortgages

17/09/2026

The Bank of England has voted to leave Base Rate unchanged at 3.75% despite rising inflation figures. The rate has remained at this level since December 2025.

The vote this month was split 6:3 with six members voting to hold rates and three voting for an increase compared to a 7:2 split at the last vote.

02/09/2026

For the first time since September 2009 our household doesn't have anybody back for their first day of term!

Instead I'll have to settle for my first mortgage offer of the month, for an application submitted yesterday for a couple buying a second / holiday home in another part of the country. A great start to the month.

And best of luck to anyone who is starting their first day of term!

28/08/2026

28/08/2026

Feedback Friday from a client received a couple of weeks ago.

26/08/2026

Apparently today is International Dog Day, so a good time to pay tribute to my office companion Woody, who's special skill appears to be being able to sleep through anything!

🐶🐕

24/08/2026

Back at work following a week off which included a trip to The Stone Roses Bar York as part of my daughter's 18th birthday celebrations. They really couldn't have been more hospitable.

I'm currently working my way through my emails received last week but it's looking like this week will see three applications submitted, one of a buyer purchasing a second home, one for a client looking to remortgage a rental property and the final one for a Limited Company Buy to Let who's current rate is due to come to an end. It should be a strong end to the month!

Have a good week.

14/08/2026

What better way to celebrate Woody's 6th birthday than with another 5* review🎉🐶

https://www.vouchedfor.co.uk/mortgage-advisor/southampton/068712-damien-gath

Have a great weekend.

13/08/2026

Confirmation of another mortgage offer received today, making that the second of the week.

The first was a remortgage for an existing client who's current deal expires in a little under 6 months, they wanted to secure a rate early. The second was a remortgage on an inherited property to cover the costs of refurbishment and extension work to modernise that property.

11/08/2026

✅ Thinking about applying for a mortgage?

Before you start the process, it can help to check your budget, review your credit report, organise your documents and understand your deposit.
A little preparation now could help make the journey feel smoother later.
🔗 Read our homebuyer checklist: https://tinyurl.com/2kdbjeyy

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 10/08/2026.

30/07/2026

The Bank of England has voted to leave Base Rate unchanged at 3.75%. The rate has remained at this level since December 2025.

The vote this month was split 7:2 with seven members voting to hold rates and two voting for an increase.