With over 35 years of experience in Mortgages and Financial Services, Justin Moy is frequently asked by a number of media outlets for his views and opinions on the Mortgage Market. Often featured in regional and national press, Justin has amassed over 400 quotes and features over the last few years, along with frequent interviews on local radio. Below is a wide range of articles that Justin has commented on:
Date
Publication
Article
Quote from Justin Moy,
Managing Director at EHF Mortgages
29-Jan-2025
Mortgage Soup
ALL EYES ARE ON THREADNEEDLE STREET AS NATIONWIDE INCREASES FIXED RATES UP TO 0.15%
Quote from Justin Moy, Managing Director at EHF Mortgages:
"It is a shame to see more mortgage rate increases but Nationwide are the last to react to the rise in Swap prices over the last few weeks. We can only hope a natural lull once the stamp duty incentive cases are completed at the end of March."
21-Jan-2025
Barclays ups mortgage rates - as one broker calls for Government to intervene to avoid 'messy recession'
Quote from Justin Moy, Managing Director at EHF Mortgages:
"The Government should intervene to bring costs down for borrowers. Barclays is one of the last lenders to increase rates in light of recent swap rate trends, which aligns them with many of their high-street peers."
20-Jan-2025
Expert warns customers could desert this high street bank 'due to lack of stability' - as lender considers British exit due to red tape
Quote from Justin Moy, Managing Director at EHF Mortgages:
"While consolidation within the mortgage market is likely to continue over the coming years, a move by Santander to leave the UK market could create significant unease. Borrowers may end up with an unknown lender and potentially more expensive products on renewal."
16-Jan-2025
Four major mortgage lenders all increase rates at the same time: Here's why more may follow...
Quote from Justin Moy, Managing Director at EHF Mortgages:
"This move from Santander was inevitable. With rising swap rates and most lenders operating on thin margins, they have little choice but to increase fixed rates."
13-Jan-2025
‘Lenders have no margins for rate war’
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Last year was fantastic. This year I don’t think we’re going to see as much, the margins are wafer thin between the prices the banks are paying for money and what they’re trying to sell [at]."
03-Jan-2025
HSBC makes major decision on mortgage rates after Halifax move
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Though we won't know the exact rates until Monday, seeing such a comprehensive list of rate cuts can only be good news for borrowers and buyers, and will leave other lenders no alternative but to follow. January is a key month for lenders to grab business, and HSBC has shown its hand early on in the month."
31-Dec-2024
Two lenders ring in 2025 with mortgage rate cuts - will other banks follow?
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Early moves by Halifax and Leeds Building Society on New Year's Eve suggest a mini rate war will rage at the start of January, which can only be great news for borrowers."
31-Dec-2024
Lenders slash mortgage interest by up to 0.35% in start of ‘mini-rate war’
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Early moves by Halifax and Leeds Building Society on New Year's Eve suggest a mini rate war will rage at the start of January, which can only be great news for borrowers."
20-Dec-2024
Mortgage rates will start with 3 next year
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Mortgage lenders will trim margins on fixed-rate deals irrespective of what the Bank of England announces, as long as swap rates support such a move."
13-Dec-2024
Santander, Barclays, TSB and Halifax cut home loan rates ahead of Stamp Duty crunch
Quote from Justin Moy, Managing Director at EHF Mortgages:
"Whilst the market has cooled since the Budget in October, this is the second set of rate cuts this week so far, and with others likely to join in this week, we could see some pressure on those sub-4% deals before the year is out."
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