Ep. 75 - Mortgages, Markets & The Middle East with Craig Adams from New Chapter Property Finance

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In this episode of The Essential Property Podcast, Amanda Woodward sits down with Craig Adams, Director of New Chapter Property Finance, specialist mortgage broker based in Stoke-on-Trent, and one of the most knowledgeable voices in buy-to-let and property investment finance in the UK.

And the timing couldn't be more important.

The conflict in the Middle East has sent shockwaves through the UK mortgage market over the last two weeks. Fixed rates have surged, hundreds of mortgage products have been pulled overnight, the Bank of England held rates at 3.75% when the market was expecting a cut — and landlords across the country are scrambling to understand what it all means for their portfolios.

Craig breaks it all down in plain English. No jargon. No fluff. Just straight-talking, practical advice for UK landlords.

In this episode we cover:

⚡ How a war in Iran ends up affecting your buy-to-let mortgage rate in the UK

📈 Why average two-year fixed rates have jumped from 4.83% to 5.43% in weeks

🏦 What swap rates are — and why lenders are pulling deals almost overnight

🔒 Should you fix now? 2-year or 5-year? Craig gives his honest view

💼 HMO finance, limited company buy-to-let and portfolio landlord underwriting right now

🌉 When bridging finance makes sense — and when it doesn't

⚠️ The biggest mistakes landlords make with their mortgage strategy

🔮 What the next 6 months could look like for UK landlords

Whether you're a first-time landlord, a seasoned portfolio investor, or somewhere in between — this episode is essential listening right now.

🔗 Find Craig Adams & New Chapter Property Finance: