The Clayton Hulme Partnership Limited

18/06/2026

In a largely expected move today following the relatively positive inflation news, the Bank of England has kept the base rate at 3.75%.

Listening to HSBC's economist at our PRIMIS Mortgage Network "Half Time Event" yesterday, their "Good, the Bad, and the Ugly" predictions following the recent MOU and anticipated peace following on from there, suggests that "Good" is likely to see the base rate stay at 3.75% for the balance of 2026 before a possible fall in 2027.

If we are in the Bad or Ugly scenario where peace fails and global oil, energy and inflation pressures remain, base rate could be back into the 4.5% territory...

For now, we have stability and good new on the horizon...

If you'd like to chat with us in more detail about what this could mean for mortgages, and more importantly, your mortgage, get in touch today to arrange a chat with Chris, Zoe or Tracy - 0161 434 6016.

30/04/2026

Following a widely discussed topic of "Will they go up or not?", which is quite different from two months ago of "Will they go down and by how much?", the Bank of England has held interest rates at 3.75% for the third consecutive time.

The Bank of England has kept the base rate steady today as it weighs up the impact of higher energy prices and global uncertainty. While this brings some short-term stability for trackers, the Bank warned that future hikes may still be needed to keep inflation on track.

With inflation being led by enforced spending due to higher fuel costs rather than discretionary spending from having surplus funds, this was absolutely the right decision to emanate from the Bank today.

20/04/2026

Happy Monday!!

We're only 10 days or so away from the main impacts of the Renters Rights Act effective from the 1st of May. If you are a landlord, do not look away as this will impact every single one of you in some way, shape or form.

I had the pleasure of spending an hour or so with Roger Morris on Friday morning who is one of the most astute mortgage industry leaders on all things Buy to Let, and in that hour or so Roger unveiled the headlines of what the Renters Rights Act means for landlords.

Roger's overviews below give only a small snippet of the detail you will need to know so if you have any questions on these aspects relating to your mortgage, your tenancy agreement, your tax or legal position - get professional advice now!

Talk to us as your Mortgage Broker, talk to your accountant for your tax position, talk to your letting agent and solicitor for your contractual and legal obligations!

Above all though, you must make sure you provide your tenant with Renters Rights Act Information Sheet by the 31st May deadline and keep evidence it's been sent and received.

We look forward to being part of your successful portfolio plan going forward!

09/04/2026

Ensuring families are protected against financial adversity in the event of ill health or a parent passing away is just as important as getting the right mortgage rate and structure, its all part of the advice and support we give to all of our clients.

This episode of the The Mortgage Scientists, covers who Dave and Chris are, why they are scientists and how they do what they do? If you want to know more e...

03/04/2026

Happy Easter folks!
The office might be closed over the weekend but the ears are always open! We cant wait to hear from you and we'll be back in the office on Tuesday to help make your home owning dreams come true!
Have a wonderful weekend, whatever you do!
www.claytonhulme.co.uk

08/03/2026

Can’t begin to describe what an amazing few days it’s been at Primis Live annual conference and gala dinner centred around Old Billingsgate Market…
Some superb speakers from Zoopla and Mortgage X.

Loved hearing from Nick Leeson (Rogue Trader) and Dave Fishwick (Bank of Dave) compèred by the wonderful Gabby Logan… brilliant to meet them all and chat further…

Dr Peter Redmond was just superb unpacking the generational gaps and differences of how each thinks, motivates, reacts and communicates…

It was a great day for The Mortgage Scientists podcast and Dunking Biscuits ☕️🍪

02/03/2026

02/03/2026

Such a great way to start the week with amazing thank you cards and gifts ❤️😊🙌 loving my new Porsche Turbo mug, perfect for a giant sized brew and dunking a plain chocolate digestive ☕️🍪
Here’s to a very happy Monday 😊🙌

18/02/2026

Pleasant and enjoyable morning at Nuffield in Didsbury meeting an absolute gentleman, Emile Heskey 👌

03/02/2026

Protecting yourself and your family is the most natural priority of any parent and yet the FCA’s study finds families woefully at risk of financial adversity if illness affects anyone in the family, no matter how old, or indeed young, they may be.

If you’re serious about ensuring your family aren’t scraping the barrel and sacrificing everything you’ve worked for if you’re too ill to work, we should meet to discuss what cover you have or have not got from your employer, and how you can best address the shortfalls.

Get in touch today to meet with Chris, Zoe or Tracy whose expertise will put your minds at rest.

Call 0161 434 6016 or email [email protected] to start your conversation.

LSL Financial Services has welcomed the Financial Conduct Authority’s (FCA) endorsement of its Pure Protection Market Study but warns there’s more to do to close the protection gap.

The FCA’s interim report concludes that the pure protection market is working well, with high claims acceptance rates, low complaint levels and evidence that advisors play a central role in supporting consumers to access cover for their needs.

Richard Howells, Group Managing Director at LSL Financial Services, says:

“The FCA’s findings are an important and welcome recognition that the protection market is fundamentally doing what it is meant to do, delivering value, paying claims and supporting good consumer outcomes.

“Crucially, the regulator has also acknowledged the vital role advisers play in helping customers navigate what can be complex, emotional decisions, and in ensuring protection products are understood, appropriate and valued."

Read the full press release with The Intermediary: https://eu1.hubs.ly/H0rrNFg0