Sean Mullins Mortgages

01/04/2026

Mortgage rates are back in the headlines, and if your current deal ends in 2026, this is a sensible time to review your options.

07/08/2025

Great news for mortgages

Borrowing costs are forecast to fall to 4%, the lowest since early 2023, despite higher inflation.

05/02/2025

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January often feels like one of the longest months of the year. With extended gaps until payday and the financial strain left by the festive season, many find their budgets stretched to the limit. If you're feeling the squeeze right now, take it as an opportunity to plan ahead for the future.

23/01/2025

The Role of Conveyancing

When moving house, you might wonder – what will Conveyancing actually do for me? The world of conveyancing can seem mysterious - we lift the lid on some of the essential activities that they do in order for you to move.

Once you’ve put in an offer on a new place, they’ll take on all of the legalities, this includes drafting the sale contract and performing a wide range of valuable searches to keep you protected. These can range from environmental searches as well as planning issues affecting your property – to safeguard you from buying someone else’s problem, and can uncover whether your dream purchase has ever suffered from any major issues such as flooding, mining subsidence or contaminated land.

After your offer has been accepted, a solicitor will take care of the legalities – from drafting contracts, carrying out searches, to overseeing the contract signatures, through to the exchange and completion.

Your solicitor will report back on all their findings and allow you the chance to walk away, or oversee you signing the contract with the seller. They’ll also take care of the transfer of the payments ready for your completion date, handle any Stamp Duty payments and hand over the keys ready for you to move in to your dream home.

We do not provide advice in this area, please seek independent advice.

26/11/2024

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Christmas is a time for celebration, family, and creating special memories, but it doesn't have to come with a hefty price tag. For many, budgeting is top of mind, and there are countless ways to make the season festive without overspending. Here's how to enjoy a wonderful Christmas while keeping yo...

04/11/2024

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As the leaves turn golden and the temperature begins to drop, many UK homeowners may find themselves wondering if autumn is the right time to make a move. For homeowners considering selling or buying a property, the housing market can present both opportunities and challenges at this time of year. I...

07/05/2024

Small changes can make a big difference when it comes to selling your home. Follow these tips to make your house as attractive as possible for prospective new buyers.

1. Increase kerb appeal
First impressions always count – from the outside, tidy the garden, w**d the driveway and jet wash the patio – repair damaged fences and clean your windows before any viewings.

2. Choose neutral colours
It’s a classic – keep your colours subtle to increase the appearance of space and help buyers visualise them making their own mark upon the property. You can still inject some warmth with choice accent colours on soft furnishings such as cushions and rugs.

3. Clean & de-clutter your property
Give your place a spring clean and tidying away unsightly items in cupboards to help create more space and make it easier for potential buyers to think about how they can see themselves living there.

4. Consider the time of year
It’s challenging to make a house look as attractive in Winter as in other times, so think about holding on if you can – improved weather, brighter days and plants in bloom can give your place a natural makeover.

5. Presentation
Last-minute care and attention to the little details before estate agents come to take photos or potential buyers arrange a viewing can pay big dividends. Turn your lights on, ensure beds are made, curtains are tied back and kids toys are tidied away. Conceal pet beds & toys, and tactically place fresh flowers and air fresheners to increase the appeal for visitors.

28/09/2023

Get Remortgage Ready

It pays to shop around to get the best value – whether it’s saving money when finding a new broadband deal, changing to a cheaper energy provider or reducing the premium on your car insurance.

Mortgages are just the same – if your initial fixed term period is coming to an end, or you’re looking to release a sum of money for a big project, then it’s worth getting prepared upfront for a remortgage. We’ll help you find the right deal for you, and to help kickstart, here’s a few handy tips on how you can get the process going:

• Seek expert assistance – contact us today for bespoke, expert advice. We’ll listen to your needs, guide you through the process and recommend only the most suitable remortgage deals to allow you to save money and fulfil your dreams.
• Plan ahead – allow up to six months for a remortgage to take place, giving time for research and decision making for what you’re looking for alongside the process of applying for a remortgage itself.
• Plan your finances – just as for applying for your first mortgage, it pays to make sure your finances are truly in order. Check your credit score, don’t apply for any new credit, avoid any large purchases, avoid payday loans or overdrafts at all costs to boost your chances of quick acceptance for a remortgage.
• Get your documents in order – just as for your first mortgage, documents will be required to prove your identity, current address and proof of income – save time by gathering your documents together upfront.
• If you’re self-employed – you’ll need to show additional proof of income with three years history. You can aid your application by showing future workload and incoming revenue stream.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Financial Conduct Authority does not regulate some forms of buy to lets.