WR Ethical Blog

Securing the best mortgage rate isn't just about finding a "secret" deal; it's about understanding how rates are built. While market conditions drive the baseline, your credit history and personal financial health are the real keys to unlocking lower interest tiers. Learn why the best mortgage deals are built, not just found.

When you are stretching every pound to afford your first home, it is tempting to focus only on price, size, and commute. But there is a hidden factor that shapes your daily life far more than you might expect: access to nature. Could your new home be in a ‘nature desert’ without you realising it?

If you've been watching the mortgage market recently, you might have spotted something that seems counterintuitive. The Bank of England has kept base rate at 4% since August, yet fixed mortgage rates are falling. Halifax cut their rates by 0.20 percentage points last month. Santander and Nationwide have followed suit.So, what's going on?

The Financial Conduct Authority has announced important changes to mortgage rules (July 2025) that could make your life easier.These include: simpler remortgaging and changes to make term reductions easier. It's now also possible to get helpful information from lenders without triggering formal advice requirements. These changes remove unnecessary barriers while keeping important protections in place.Read on to understand how this could help you.

Many homeowners are surprised when their first mortgage payment is higher than expected, but it’s a common part of how lenders structure repayments. In this series of FAQs, we’ve attempted to capture all the questions we are frequently asked so that you understand why it happens, how it’s calculated, and what you need to know to budget confidently.

WR Ethical is now on Atom Bank’s exclusive broker panel! First-time buyers, those with smaller deposits, and borrowers on a Debt Management Plan (DMP) can now access Atom Bank’s mortgage deals through us.