01 November 2025
Dariusz Karpowicz, director at Doncaster-based Albion Financial Advice, said: “Rate cuts from HSBC and TSB signal lenders scrambling for business before Budget uncertainty hits. With swap rates creeping up and just two weeks until potential fiscal shocks, this competitive window won’t last long.”
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Dariusz Karpowicz is a regulated adviser and Founder of Albion Financial Advice Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 769375).
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Albion Financial Advice Services Ltd is registered in England No. 10460659; registered office: Armstrong House, First Avenue, Finningley, Doncaster, DN9 3GA.
Fees: our standard broker fee for arranging a new residential mortgage is £599 where there is no adverse credit history. Different fees apply to remortgages, buy-to-let and commercial cases. Where there is adverse credit history, our fee depends on your circumstances and will always be disclosed before any fee-charging activity begins. Your initial consultation is always free.
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