After two interest rate cuts in 2025, the Bank of England base rate now sits at 4.25% – and we’re starting to see real movement in the mortgage market. Rates are falling, and for the first time in years, conditions are beginning to improve for homebuyers.

We’re seeing the return of 100% (no deposit) mortgages, new features like capped £5,000 deposits, and even delayed-start repayment options – all aimed at making homeownership more accessible. At the same time, lenders are coming under growing pressure to relax affordability criteria.

If you’re thinking about buying your first home, remortgaging, or investing in property, now could be the ideal time to take a closer look.

But let’s be honest – getting a mortgage when you work for yourself isn’t always easy. That’s where we come in.

IPSE members can join us for a free virtual drop-in session with a specialist independent mortgage adviser from our trusted partner, Chase de Vere. Exclusively for IPSE members, these sessions are designed to give you straightforward, personalised advice – no jargon, no pressure.

• Expert advice tailored to the self-employed
• Completely fee-free for IPSE members
• Bonus: Get free home buyers protection insurance when you arrange your mortgage with Chase de Vere

With new deals emerging and lender criteria evolving, this is your chance to ask questions, understand your options, and move forward with confidence.

Spaces are limited – book your free session today and make the most of this exclusive IPSE member benefit.

Mortgage disclaimer – Your home may be repossessed if you do not keep up repayments on your mortgage.