The Mortgage Market in 2025: A Landscape in Flux
After a turbulent few years, the UK mortgage market in 2025 is showing signs of cautious recovery. Interest rates have eased slightly, with the Bank of England base rate currently at 4%, down from its peak in 2023. But affordability remains a concern — especially for those coming off fixed-rate deals and facing higher monthly repayments. [Bank of England]
At the same time, £140 billion worth of mortgage lending is expected to mature in the first half of 2025, creating a wave of remortgaging activity. For many, this presents both a challenge and an opportunity: the chance to secure a better deal, but only if you know where to look — and when. [Mortgage Intelligence]
Enter Mortgage Monitor: Smart, Always-On Mortgage Management
Mortgage Monitor is not just another comparison site. It’s a 24/7 mortgage tracking tool that continuously compares your current deal against thousands of others across the market — even while you sleep.
Powered by advanced algorithms, it takes into account:
- Your current mortgage balance
- Your property value
- Early repayment charges
- Loan-to-value ratios
- And over 100 other factors that influence your eligibility and savings potential
This isn’t a one-time check. It’s a daily scan of the entire market, tailored to your personal circumstances. If a better deal becomes available — even mid-term — you’ll be notified, and Embrace Financial Services can help you switch.
Why This Matters for Homeowners
In a market where rates and products change constantly, timing is everything. But most homeowners only review their mortgage at the end of a fixed term — often missing out on opportunities to save earlier.
Mortgage Monitor flips that model. It’s proactive, not reactive. And it’s designed to help you:
- Avoid overpaying by staying off expensive SVR deals
- Spot switching opportunities even during fixed-rate periods
- Stay informed with monthly personalised reports
- Save money — potentially thousands over the life of your mortgage
How to Get Started
If you’re an Embrace customer, signing up is simple — and free. Just add your mortgage details to Mortgage Monitor and let the technology do the rest.
https://www.embracefs.co.uk/mortgage-monitor
'In a market that never stands still, Mortgage Monitor helps you stay one step ahead — effortlessly'.
Lewis Bovingdon-Boag, Senior Mortgage Adviser at Embrace Financial Services
Your home may be repossessed if you do not keep up repayments on your mortgage.
The information contained within was correct at the time of publication but is subject to
change.
Sources:
https://www.bankofengland.co.uk/explainers/current-interest-rate
https://www.experiencemi.co.uk/blog/mortgage-industry-overview-2025/
