James Evans Newsletter
About Us
Since 2008, James Evans Financial Services has been a trusted partner to clients seeking intelligent, flexible financing solutions.
Having arranged thousands of transactions across the UK, Europe, and the US, we combine deep market expertise with a highly personalised approach. Every client benefits from clear guidance, carefully structured solutions, and dedicated support from initial enquiry through to completion.
What we offer
Global Financing Solutions
- UK, US & European Mortgages
- Complex & Multi-Currency Lending
- Mortgages for all client profiles — from first-time buyers to sophisticated structures
Specialist Lending
- Asset Finance — Vehicles, Plant, Marine, Aviation & Fine Art
- Lending Against Investment Portfolios, Listed Securities & Select Cryptocurrencies
- Bespoke structuring for high-value and non-standard transactions
Our Approach
- Fully personalised service tailored to your objectives
- Dedicated account management from start to finish
- Discreet, efficient execution with a focus on long-term relationships
Remortgage Rates
Rates are subject to change in line with market fluctuations and depend on your LTV size.
Trending
March Market Volatility & April Stabilisation
March proved to be an exceptionally busy and at times a turbulent month across the lending market, with activity reaching unprecedented levels.
The week commencing 9th March marked the largest application week on record, totalling £15.45bn. Notably, March 2026 now holds the top three application weeks ever recorded, with a combined value of £38.3bn, a clear indication of sustained and significant demand.
As we’ve all felt, swap rates moved quickly during the month. However, it’s important to keep this in perspective when compared to the Liz Truss Mini Budget:
- 2-year swaps increased by 73bps (vs. 125bps during 2022)
- 5-year swaps increased by 43bps (vs. 104bps during 2022)
Product withdrawals also made headlines, with 308 products withdrawn on 9th March 2026. While significant, this compares to 935 products withdrawn in a single day in September 2022, and during May 2008 there were circa 3,000products withdrawn.
While March presented both operational and emotional challenges for many, it is worth recognising we have navigated tougher periods before.
Encouragingly, we have seen early signs of stabilisation moving into April. Current swap rates have eased from their recent peaks:
- 2-year swaps: 3.989% (down from 4.404% on 20/03/2026)
- 5-year swaps: 3.992% (down from 4.285% on 20/03/2026)
Based on trends observed over the past 18 months, this suggests a degree of normalisation following March’s volatility.
Purchase Rates
Rates are subject to change in line with market fluctuations and depend on your LTV size.
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