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When UK inflation fell to 2.6% in June 2026 – beating analyst forecasts and easing ahead of the Bank of England’s 30 July rate-setting meeting – the headlines made it sound like good news for mortgage borrowers. Amar Dhanota, Director and Senior Mortgage Consultant at London FS, had a more measured read. Speaking to Mortgage Introducer on the day the data was published, she acknowledged that a falling inflation figure looks positive on the surface, but warned that the mortgage market had already moved in the opposite direction. With swap rates elevated following renewed tensions in the Middle East, the majority of lenders had repriced upwards before the CPI data even arrived.
Amar’s view is that market nervousness cuts both ways. Whether data comes in high or low, lender risk appetite tends to shift in response – and in a market unsettled for much of 2026, that volatility has become a constant backdrop to client conversations. Inflation, she stressed, is likely to keep fluctuating, which means brokers need to help clients look beyond any single data point and focus on what their own financial picture actually requires. Clients regularly come to her having spotted a rate online and asking whether she can match it. Her response is always to step back from the headline figure entirely – starting instead from monthly affordability, working backwards through lender criteria, and letting the right product emerge from that process. In a volatile market, mortgage rate advice UK from London FS keeps the focus on affordability rather than headline rates.
It is a discipline that matters more than ever in the current environment. With swap rate movements driven as much by geopolitical events as by domestic economic data, the rate a lender publishes on a Monday morning can look very different by Wednesday afternoon. For borrowers with more complex income structures or property situations, the advertised rate is rarely the rate they will ultimately secure. Lender fees, eligibility criteria and individual risk assessment all feed into the final figure. Amar’s approach is to make sure clients understand this before they get attached to a number, keeping the conversation focused on finding the right solution rather than chasing a headline.
Read the full feature on Mortgage Introducer.
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