Media Mentions

Justin Moy - In the Media - Current

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."

Justin Moy – In The Media – Last Quarter

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Quote from Justin Moy,
Managing Director at EHF Mortgages

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Justin Moy - In the Media - Past

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Date

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Article

Quote from Justin Moy,
Managing Director at EHF Mortgages

21-Nov-2024

Seven high street names accused of 'blatant profiteering' for raising mortgage rates while cutting savings rates

Quote from Justin Moy, Managing Director at EHF Mortgages:

"We have noticed many lenders reduced their tracker mortgage deals four to six weeks after the announcement of a base rate change, grabbing that extra margin for a while longer, but are much quicker to react to savings rate changes, penalising savers."

21-Nov-2024

NatWest pushes up mortgage rates as banks turn screw on home buyers

Quote from Justin Moy, Managing Director at EHF Mortgages:

"As we edge towards Christmas, there is little goodwill from the money markets and mortgage lenders may be waving a white flag for their 2024 lending targets."

19-Nov-2024

Rachel Reeves tax raid blamed as higher interest rates 'spook the markets'

Quote from Justin Moy, Managing Director at EHF Mortgages:

"All the work on reducing mortgage rates and improving confidence across the UK population seems to unravelled in just a few short weeks, yet the Prime Minister is blinded by the reality of what’s going on around him."

13-Nov-2024

Major bank becomes sixth high street lender to increase mortgage rates this week

Quote from Justin Moy, Managing Director at EHF Mortgages:

"Several lenders made their move yesterday, and NatWest was the last one standing on price. These significant increases of up to 0.35 per cent will hurt borrowers' pockets, as swap rates spiral off the recent uncertainty."

12-Nov-2024

Mortgage lenders hike rates 'due to rising funding costs' fuelled by Labour Budget

Quote from Justin Moy, Managing Director at EHF Mortgages:

"While the Base Rate has improved, borrowers need to understand that this does not directly price the majority of mortgage products. Instead, it is the longer-term outlook for the cost of funds through Swap rates and Gilts that mortgage holders need to keep an eye on. We are unlikely to see wholesale cuts in fixed rates for some time yet, as the markets factor in the US election result along with our own country's high spending plans."

07-Nov-2024

UK house prices climb £492 to hit record level before Bank of England interest rate cut

30-Oct-2024

Money Week

Autumn Budget: Stamp duty hike on second homes spells bad news for landlords

Quote from Justin Moy, Managing Director at EHF Mortgages:

"Housing shortages are not due to landlords buying all the property, but the lack of development over the long term. But those landlords are the life of social housing needs, so why make it worse?"

29-Oct-2024

whatmortgage.co.uk

Barclays slashes mortgage rates and unveils sub-4% deal

Quote from Justin Moy, Managing Director at EHF Mortgages:

"Borrowers with bigger deposits looking for shorter-term deals will be delighted to see sub-4% options back available for purchases, with remortgaging not a million miles behind. Will this all change after the Budget this week? This week is going to be a potential rollercoaster ride, so grab rates whilst you can just in case."

28-Oct-2024

First shots in mortgage price war as Barclays cuts fixed rates to under 4%

Quote from Justin Moy, Managing Director at EHF Mortgages:

"Borrowers with bigger deposits looking for shorter-term deals will be delighted to see sub-4 percent options back available for purchases, with remortgaging not a million miles behind."

28-Oct-2024

Nationwide increases mortgage rates while Barclays cuts two-year fixes

Quote from Justin Moy, Managing Director at EHF Mortgages:

Will this all change after the Budget this week? This week is going to be a potential rollercoaster ride, so grab rates whilst you can just in case.'

Media Mentions

Justin Moy - In the Media - Current

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Justin Moy – In The Media – Last Quarter

Justin Moy - In the Media - Past

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Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

Quote from Justin Moy, Managing Director at EHF Mortgages:

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