Nationwide is increasing selected fixed and tracker mortgage rates by up to 0.20% from 10 September, affecting first-time buyer, home mover, remortgage, switcher and additional-borrowing ranges. Principality, Accord and TSB have also repriced upwards, reinforcing the message that borrowers face a less forgiving rate environment.
With Bank Rate held at 3.75% in July but swap-rate volatility feeding through into product pricing, advisers should prioritise clients approaching product expiry and those with applications in progress. AI-enabled CRM workflows can identify customers by completion date, product end date, loan-to-value and affordability sensitivity, helping teams deliver timely human-led review conversations rather than generic rate alerts.