PRESS COVERAGE
Tracker products near parity with fixed rates following BoE hike
The narrowing gap between tracker mortgage rates and fixed-rate deals had challenged the conventional wisdom about which to choose. FT Adviser turned to Adrian Anderson to assess the December 2022 landscape, with the base rate at 3.5% and fixed-rate pricing having pulled back from its post-mini-Budget highs. He walked through the maths for different borrower profiles, explaining when staying on a tracker still made financial sense and when the reduced premium for certainty made switching to a fixed rate worth taking.
Extract Published - 16th December 2022
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Dip, crash, soft landing? What mortgage advisers expect
Dip, crash, or soft landing? That was the question FT Adviser put to a panel of mortgage advisers including Adrian Anderson in October 2022, as the UK property market faced its most significant test in years. His contribution focused on the interaction between rate peaks and property price outcomes, arguing that the extent of any correction would be determined primarily by how high the base rate ultimately went. The piece was notable for its honesty about the limits of forecasting in a market where the fundamentals had shifted so dramatically.
Extract Published - 31st October 2022
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What does the recent interest rate increase mean for mortgage holders?
What does a Bank of England rate rise actually mean for your mortgage? FT Adviser commissioned Adrian Anderson to provide a clear, practical answer to that question in August 2022 - a point when many borrowers were experiencing their first real payment changes from rate decisions. He set out exactly how the mechanism works for each mortgage type - tracker, SVR, and fixed - and what different borrower groups should be doing in response. His explainer demystified a process that economic commentary often obscures rather than illuminates.
Extract Published - 18th August 2022
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Saffron suspends new mortgage applications
Saffron Building Society suspending new mortgage applications was one data point in a pattern of lender withdrawals that was making the market increasingly difficult to navigate in August 2022. FT Adviser featured Adrian Anderson's commentary on what the suspension signalled about the pressure lenders were under. He contextualised the withdrawal for advisers and borrowers, explaining how to adapt when individual lenders step back and why maintaining access to a wide lender panel matters most precisely when market conditions deteriorate.
Extract Published - 5th August 2022