Top mortgage adviser insists it has “proven track record” in market downturns as 4% deals vanish
Peter Brodnicki, Founder and Chief Executive of MAB, says it has a proven track record in generating strong lead flow regardless of housing or economic cycles.
A leading mortgage adviser insists that it has a “proven track record” in market downturns as 4% deals vanish.
Mortgage Advice Bureau says its reach across various industries – including estate agency, new build, and major employers – means it has a strong lead flow “regardless of housing or economic cycles”.
It comes as 4% mortgage deals “vanish” from the market amid the conflict in the Middle East.
Strong performance
Speaking on the release of its results, Peter Brodnicki, Founder and Chief Executive (pictured), described 2025 as “another year of strong performance”.
He explained that MAB’s reach underpins its ability to “generate strong lead flow regardless of housing or economic cycles, with a proven track record through market downturns”.
He added: “Despite the current geopolitical environment, the structural opportunity remains compelling. Around two-thirds of UK mortgage transactions are refinancing, which continue regardless of economic conditions.”
For the year ending 31st December 2025, MAB saw revenue rise 19.6% compared to a year ago, to 19.6%.
Brodnicki added: “Through continued organic growth, disciplined acquisitions and the increasing use of technology, data and AI, we believe MAB is well positioned not just to participate in the mortgage market, but to shape where it goes next.”
Vanishing 4% mortgage deals
It follows the announcement by Moneyfacts that the average two-year fixed rate mortgage has jumped from 4.83% at the start of March to 5.28%.
Adam French, Head of Consumer Finance at Moneyfacts, said: “War in the Middle East has added almost £800 to a typical annual mortgage bill in just two weeks, which will be unwelcome news for anyone currently seeking a fixed rate deal.”
The loss of sub-4% fixed rate mortgages will be disappointing for many buyers.”
Increasing housing supply
Mary-Lou Press, President of NAEA Propertymark, said: “The loss of sub-4% fixed rate mortgages will be disappointing for many buyers, particularly first-time buyers already facing affordability pressures.
“This shift highlights how sensitive mortgage rates are to wider economic uncertainty, making it harder for people to plan and potentially slowing activity across the housing market.
“Even small increases in rates can significantly impact borrowing capacity and monthly costs, reinforcing the need for stability and confidence.
“In the longer term, improving affordability cannot rely on mortgage rates alone. Increasing the supply of suitable homes will be key to supporting a healthy housing market.”
