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Anthony Emerson | The Smartest Move You’re Not Making on Your Mortgage | Merryn Talks Money, Sonic AI
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The Smartest Move You’re Not Making on Your Mortgage | Merryn Talks Money
Merryn Talks Money
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May 13, 2026
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25:01
Interview
The Smartest Move You’re Not Making on Your Mortgage | Merryn Talks Money
From
Merryn Talks Money
Anthony Emerson
(Director, Trinity Financial, guest)
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Executive Summary
UK mortgage rates have spiked dramatically, with the lowest available rates jumping over a percentage point in two weeks due to geopolitical events, shifting the market outlook from expected rate cuts to sustained high borrowing costs.
The UK property market is highly segmented.
Standard family houses remain strong due to undersupply, while the market for flats is weak, pressured by an oversupply from exiting landlords and uncertainty around leaseholds and service charges.
The Renters Reform Act is causing landlords to exit the buy-to-let market, which is expected to reduce rental supply and drive rental prices higher, complicating the buy-vs-rent decision for many.
A key strategy for homeowners is to secure a remortgage offer up to six months before their current deal expires.
This provides a hedge against rising rates with the flexibility to switch to a better deal if rates fall, at little to no upfront cost.
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Mortgage Rate Volatility
UK Property Market Segmentation
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Processed May 13, 2026
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