The mortgage market has been tough recently, with rates forever changing and mortgages being pulled unexpectedly. The markets are anticipating rate cuts later in the year – but will that translate into cheaper mortgages, and what should investors be doing now?  Today, we've got our expert Nick Shepherd on board to help untangle the craziness of it all, giving you the scoop on what's happening now, what the future holds and what you should do if you're thinking about getting a mortgage in the near future - tune in!  (1:07) News story of the week  (2:47) Would you like to work at Property Hub  (3:24) Q&A with our mortgage expert Nick  (4:20) What’s been happening in the mortgage market?  (5:14) What impact does the recent BOE base rate announcement have on the market?  (5:51) Is now the time to lock in a new fixed product or is it worth waiting a little longer?  (6:25) If mortgage rates become more favourable for borrowers, do lender fees also improve?  (6:55) What rates and fees should investors be seeking out?  (7:16) What kind of rates should people be stress testing at?   (7:45) What’s your thoughts on investors having difficulties refinancing due to rental cover requirements?  (8:23) Should we anticipate higher deposits or increased equity in refinancing will affect loan-to-value ratios?  (9:22) What’s the latest getting new mortgages, both new purchases and refinances?  (9:52) Are valuations improving?  (10:21) What advice would you offer investors currently seeking a new mortgage or refinancing?  (10:50) How do you foresee the mortgage market shaping up over the next 6-12 months?  (13:55) Hub Extra Links mentioned:  Zoopla rental market report - March  Property Hub jobs  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Subscribe to the Podcast       Subscribe to our YouTube channel     Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest  See omnystudio.com/listener for privacy information.