Rising rates require resilient advice | M&PI 22 | November 2025

A season of reflection and resilience in mortgage and property

As winter approaches and the year begins to wind down, this month’s Mortgage & Property Investment Magazine takes a measured look at how the market is responding to shifting conditions and fresh economic pressures. With rates rising, a Budget on the horizon, and advisers adapting to an increasingly complex landscape, our November edition gathers expert perspectives to help brokers and investors navigate what’s next, with clarity, confidence, and a focus on opportunity.

Property at a rate and budget crossroads

As speculation mounts ahead of the Chancellor’s upcoming Budget, the property sector is keeping a close eye on how fiscal policy could reshape investor sentiment. In our feature, industry voices share how landlords, lenders, and advisers are preparing for potential tax changes while balancing the ongoing challenge of higher rates. From portfolio adjustments to renewed interest in long-term stability, we capture how professionals are preparing for an uncertain, yet opportunity-filled winter ahead.

The rate crystal ball myth

Next, in an exclusive insight, Will Hale of Key Advice explains why the mortgage market demands more than just rate predictions. Instead, he urges advisers to focus on building resilience, deepening client guidance, and adapting strategy as economic headwinds shift. Will’s insights provide timely reassurance and practical advice for brokers looking to steer clients through volatility.

Rising rates? Think recalibration, not reversal

Recent weeks have seen another slight uptick in mortgage rates, but the consensus across the market is that this is less a step backwards and more a natural recalibration. To round this month’s edition up, our analysis explores why underlying confidence remains steady, how lenders are adjusting to new data, and what this could mean for borrowers as we move into 2025.

IFA Talk Podcast: Evolving opportunities in specialist lending

On our latest Mortgage & Property Investment podcast, hosts Jenny Hunter and Meg Bratley are joined by Gavin Diamond, CEO of Inspired Lending, for a deep dive into the fast-changing world of specialist lending. Gavin shares how shifting borrower needs, alternative funding models, and renewed lender innovation are expanding opportunities across the market.

The discussion explores how flexibility, creativity, and technology are shaping the next generation of lending solutions, helping advisers better serve clients with complex or non-standard cases while driving growth across the sector.

Listen now

Stay connected to the conversation

Insights don’t slow down, and neither do we, even as the nights draw in and the days become shorter. Stay informed with daily updates, interviews, and analysis to keep you ahead of every market movement. For the latest mortgage and property news, visit us online or connect via our social channels:

https://ifamagazine.com/category/mortgage-and-property

As we head toward the Budget and a new year of challenges and change, here’s to a winter filled with perspective, progress, and optimism.

Meg Bratley
Mortgage and Property Investment Magazine

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