Emma Hutchinson - Mortgage and Protection Advisor

02/11/2026

New research found that AI gets financial answers wrong 57% of the time. Now, for trickier questions, that jumps to 88%. 🫢

That's a lot of room for error when it's your mortgage on the line.

AI can be handy for explaining terms or pointing you towards the right questions to ask.

But it doesn't know your income, your circumstances or what you can actually afford.

This is especially true if you're self-employed, have less-than-perfect credit or less than a 20% deposit saved up, you'll need a specialist like us on your side, not AI!

A mortgage is personal, and the details matter.

If you've had an AI answer that's left you unsure, bring it to us and we'll talk it through properly. 💬

Your home may be repossessed if you do not keep up repayments on your mortgage.

Source: https://www.financialreporter.co.uk/ai-models-give-wrong-financial-advice-57-of-the-time-saturn-research-finds.html

01/11/2026

31/10/2026

Your mortgage renewal date shouldn't be left lurking in the shadows. 👻

Let it slip past, and you could land on your lender's SVR (their standard variable rate).

That's the rate you fall onto automatically, and it's usually much higher than what you're paying now. It could mean handing over hundreds more each month.

Spooky stuff. 🕸️

But here's your treat. We can start hunting for new deals up to 6 months before your renewal date, so your finances never get caught out trick-or-treating.

And if rates drop after we've secured you a deal, we could still switch you to a lower one before everything completes.

Speak to us before your renewal date creeps up on you. 🎃

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

28/10/2026

The big announcement from the Autumn Budget is that the Your First Home Scheme has officially been confirmed! ✅

I mentioned this a few weeks ago, but it's now official!

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that's interest-free for the first 5 years! 🏡

Applications aren't open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📆

Pre-registering won't commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

There's also news about a new First Time Buyer ISA!

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It's intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.

There's no confirmed launch date for the new ISA yet, but we'll keep you updated!

It's great to see some positive announcements for first-time buyers! 🤩

If you're planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

Your home may be repossessed if you do not keep up repayments on your mortgage.

24/10/2026

🏉 PLAYER OF THE MATCH – CONNOR WILSON 🔴🔵

A thoroughly deserved Player of the Match performance from Connor against Halifax RUFC.
Consistent from the first whistle to the last, hard-hitting in defence and relentless in his effort, Connor kept putting himself into the action despite some really poor conditions. A proper shift for the shirt and a performance built on work rate, physicality and determination. 💪

A huge thank you to Connor’s sponsor Emma Hutchinson - Mortgage and Protection Advisor for her continued support.

Well done, Connor! 👏

15/10/2026

Nearly HALF of solo mortgage buyers skip this vital step! 🤯

It's true, almost 49% of people buying a home on their own don't think about income protection.

But what happens if you can't work? Your mortgage payments, bills, and everyday costs don't stop.

Income protection is designed to pay out a portion of your salary if you're unable to work due to illness or injury.

It's a safety net that gives you peace of mind, so you can focus on getting better without financial worries.

Let's make sure you're covered.

As with all insurance policies, conditions and exclusions will apply.

Source: https://theintermediary.co.uk/2026/02/49-of-solo-buyers-take-out-mortgages-without-income-protection-zurich/

02/10/2026

Imagine paying less for your mortgage than you currently do in rent. 🤔

It sounds like a dream, but for many, it's becoming a reality, with mortgages that require no deposit. 🤩

Many believe a substantial upfront sum is essential to step onto the property ladder.

Yet, options like 0% deposit mortgages are helping people become homeowners, often with lower monthly payments than their rent. 🏡

Our team stays up-to-date with these specific mortgage products and their unique requirements.

Want to see if you qualify for one?

Let's chat about your options. 📞

Your home may be repossessed if you do not keep up repayments on your mortgage.

23/09/2026

Need to move quickly? 🏠

Bridging finance is often used for landlords who need funding fast, whether that's for a purchase, a refinance, or exiting a development.

We're seeing lenders releasing new, dynamic products, and it could broaden the criteria and borrowing potential of your bridging loan! 🤩

There's standard bridging for landlords, plus refurbishment options for properties that need work before they're mortgageable or ready to boost in value. 🌉

Some deals are set up as bridge to term, moving onto a longer mortgage once the work is done.

Others are bridge to exit, where the plan is to sell up. 💷

This kind of funding can be handy when a property doesn't quite fit standard mortgage criteria yet, giving you breathing room while a longer-term plan comes together.

Every case is different, so terms get built around the project and the exit plan from day one.

Thinking about a bridging option?
Speak to us and we'll talk through what might work for your situation. 📩

Your home may be repossessed if you do not keep up repayments on your mortgage.

Source: https://theintermediary.co.uk/2026/09/redwood-bank-launches-residential-btl-bridging-range/

17/09/2026

The base rate has been held for the 6th time in a row! 🏦

Despite plenty of talk about a possible increase, the base rate stays where it is.

It’s actually good news, but it’s important to remember that individual lenders can still increase or decrease their mortgage rates, regardless of what the base rate is doing.

And we’ve been seeing plenty of movement recently. 🤔

So, if you’ve got a mortgage decision coming up in the next 6 months, it’s definitely best to look at your options sooner rather than later. 🗓️

Rates can change quickly; get ahead of them.

Get in touch, and we can help you understand what’s available to you right now. ☎️

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/09/2026

Your credit score doesn't hold every answer.

Lenders read more than one number in the crystal ball. 🔮

They look at the full picture. What happened, and when it happened.

Old issues that are settled can look very different to something still going on now. Even ongoing debts don't always mean a mortgage is out of reach. 🏠

Your deposit and what you can comfortably repay each month also help shape what's on the table.

Some lenders are more open-minded than others, so a specialist isn't always the only path forward.

A trickier credit history can sometimes mean a higher rate, but that's not set in stone either. 💷

No need to gaze into the unknown on your own.

Speak to us and we'll help you see what's actually possible. ☎️

Your home may be repossessed if you do not keep up repayments on your mortgage.