Press and Media:
Mortgage Market Comment and Data You Can Quote
Updated 12 November 2026
This page is for journalists, broadcasters and editors who need a UK mortgage broker to quote and data they can cite. It sets out who Matt Moffat is, the subjects he comments on, how to reach him and where each Mortgage One chart lives. Mortgage One is a whole of market mortgage adviser publishing mortgage rate charts and broker comment for national money desks and financial media.
How do journalists reach Mortgage One for comment?
Call 01202 155992 or email enquiry@mortgageonefinance.co.uk with press in the subject line.
Who is Matt Moffat, Managing Director of Mortgage One?
Matt Moffat is the Managing Director of Mortgage One and a qualified mortgage adviser holding CeMAP, CeRER and MLIBF. Before founding the firm he spent 30 years in institutional capital markets, working in fixed income, credit, foreign exchange and derivatives across London, Tokyo, Singapore, Hong Kong and Sydney.
He founded Mortgage One on returning to the UK from Singapore. That history is why his comment starts from how a lender funds and prices a mortgage: swap rates, margins and the market's expectations for Bank Rate, read the way a trading desk reads them and then turned into what a borrower will be offered. He advises every client himself, so the view comes from live cases and not from a press office. More on his background and how the firm works is set out separately.
For attribution: Matt Moffat, Managing Director, Mortgage One.
What Matt Moffat comments on for money desks and broadcasters
Matt comments on six areas: Bank of England decisions and the path of Bank Rate, fixed rate pricing with swap rates and lender repricing, remortgaging and product transfers, expat and non-UK resident lending, mortgages for seafarers, cruise and superyacht crew, and buy-to-let including limited company landlords.
On rates the comment is market-led: what a Bank of England decision or a move in swaps does to the fixed rates on sale, and how quickly lenders follow. On the specialist side it is case-led. Mortgage One arranges UK mortgages for expats paid in foreign currency and mortgages for seafarers and yacht crew, two groups whose income needs a lender that understands it, and advises landlords borrowing in their own names and through limited companies.
The Rate Note: a one-page briefing before each Bank Rate decision
The Rate Note is a one-page market note sent to money desks on the Thursday before each Bank of England decision. Each issue carries the market-implied Bank Rate, a count of lender repricing, average fixed rates and one broker view, which is free to quote with attribution to Matt Moffat of Mortgage One.
To receive it, email enquiry@mortgageonefinance.co.uk with Rate Note in the subject line. It is one page by design: the numbers a desk needs before the decision, and a view that can be lifted into copy as it stands.
Rate Note issue archive
The first issue goes out on 10 December 2026. Each issue is listed here by date once it has been sent.
Can Mortgage One charts and figures be quoted or reproduced?
Yes. Figures and charts published by Mortgage One may be quoted or reproduced with attribution to Mortgage One and a link to the chart page they came from. No permission request is needed. The twelve chart and data pages are listed below, each with the series it carries.
The same pages, with the order to read them in when a story breaks, sit together under Mortgage One rates, charts and data. Each chart states the date its data runs to, so a figure taken from a chart should be quoted with that date. If a desk needs a series in another format or over a longer history, ask through the press contact above.
About Mortgage One, a UK mortgage broker for specialist cases
Mortgage One is a countrywide UK mortgage broker specialising in expat, seafarer, buy-to-let and specialist residential cases. It is a trading style of Sandsea Capital Ltd, company number 11374947, and advises across the whole of the market and not for any single lender.
Every case is handled by Matt Moffat from the first conversation to completion. That is the reason his comment draws on applications in progress, and the reason a journalist and a client reach the same person.
If you are reading this as a borrower and not as a journalist, the initial consultation is free, so call 01202 155992 or contact Mortgage One.
The information provided in this article is for general guidance only and does not constitute personal or regulated financial advice. If you'd like to understand what these moves could mean for you, speak to Mortgage One. We can explain your options and timings based on your specific circumstances.
FAQs
1. Who is the press contact at Mortgage One? Call 01202 155992 or email enquiry@mortgageonefinance.co.uk with press in the subject line.
2. Can I quote Matt Moffat in an article or broadcast? Yes. Comment is given for publication and should be attributed to Matt Moffat, Managing Director, Mortgage One. The broker view in each Rate Note is free to quote on the same basis.
3. Can I reproduce a Mortgage One chart? Yes. Charts and figures may be quoted or reproduced with attribution to Mortgage One and a link to the chart page. No permission request is needed.
4. How do I receive the Rate Note? Email enquiry@mortgageonefinance.co.uk with Rate Note in the subject line. It is sent to money desks on the Thursday before each Bank of England decision.
5. What does Mortgage One comment on? Bank of England decisions and Bank Rate, fixed rate pricing, swap rates and lender repricing, remortgaging and product transfers, expat and non-UK resident lending, seafarer, cruise and superyacht crew mortgages, and buy-to-let including limited company landlords.
6. Does Mortgage One advise borrowers as well as comment to the media? Yes. Mortgage One is a working mortgage broker advising clients across the UK and overseas, and the initial consultation is free.