Bibi Mortgages

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Bibi Mortgages

An honest & reliable Mortgage adviser 🏠 Helping clients with their purchases & re-mortgage needs 📈

We provide a free initial consultation, and we will always explain exactly what you may be charged, if anything, before you choose to proceed with us. Your home may be repossessed if you do not keep up repayments on your mortgage. Bibi Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

30/10/2026

📈 Increase in searches for income protection

Analysis has found that there has been an increase in online searches related to income protection. 🔍

According to the research, searches for ‘emergency savings’ increased annually by 950%. Meanwhile, enquiries about ‘financial protection’ rose by 130% and interest in ‘income protection’ went up by 30%. The increase in searches suggests growing interest in how households could manage financially if their income stopped. Despite this, only 9% of UK adults have income protection in place. 📊

⚠️ The reality
It’s easy to think that you won’t ever need to rely on income protection cover. However, 18% of adults took at least four weeks off work in the six months to March 2026, either because of illness, injury or mental health reasons. Nearly a quarter (23%) of this group relied on personal savings to support themselves, while 9% used a credit card or personal loan. 💷 Relying on savings or borrowing could reduce your financial buffer, particularly if an absence from work continues.

🤝 Talk to us
Income protection is there to provide financial support if you can no longer work due to illness or injury. If you’re worried about what would happen if your income stopped, talk to us. 📩

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

Sources
🔗 https://lnkd.in/eyWpgYBw
📸 Photo by Vitaly Gariev on Unsplash.

28/10/2026

🏡 Young homeowners with longer mortgages

Mortgage terms of 40 years have become increasingly common, meaning some homeowners will still be making repayments into retirement. 📅

A recent survey shows that two-thirds (66%) of borrowers aged 30 or under have mortgage terms between 30 and 40 years. This is compared to 42% of homeowners in their 30s who have longer mortgage terms, and significantly more than those in their 40s (6%). Despite having longer terms, the average mortgage rate for under 30s is 4.50%, which is higher than those in their 40s (3.89%). 📊

While longer mortgage terms may help some people to get on the property ladder 🏡, the research estimates that over 3 million Brits will still be repaying their mortgage at retirement age. Among those surveyed, 19% of these people are concerned about how they will be able to keep up repayments when they have retired, and 58% do not have a plan for how they will repay the outstanding debt. ⚠️

While mortgage terms of 30 or 40 years can reduce monthly repayments and make borrowing more affordable 💷, it also means paying interest over a much longer period and potentially carrying mortgage debt well into later life.

🤝 We can help source a mortgage that works for you and your finances – get in touch for advice. 📩

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

https://lnkd.in/egyyz29U
https://lnkd.in/ezkRAvTM
📸 Photo by Vitaly Gariev on Unsplash.

17/09/2026

The Bank of England has today held Bank Rate at 3.75%. 🏦

For first time buyers and those looking to remortgage soon, today’s decision provides some stability, but mortgage pricing continues to be influenced by wider market conditions. 📈

If you are looking to purchase soon or your current mortgage deal is approaching its end, now is a good time to review your options and plan ahead. 🏡

08/09/2026

⭐ Nothing makes us happier than hearing from our clients! Here’s a recent 5-star review that says it all. 💬

21/07/2026

First-time buyer❓

Dive into homeownership with confidence! Our team at Bibi Mortgages specializes in guiding first-timers through the mortgage process. Let's make your first home-buying experience a success! 🏡 🪴

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

07/07/2026

Buying your first home can feel overwhelming, but it doesn't have to be. 🏡

My role is to guide clients through every step of the process, providing clear advice and making the journey as straightforward and stress-free as possible. 🪴

Receiving feedback like this from Abdul is a reminder of why I love what I do. Thank you for your kind words and for trusting me. 🙏

19/06/2026

The UK government has announced a package of proposed reforms designed to modernise the homebuying process and address long-standing challenges that affect buyers, sellers, estate agents, lenders, and conveyancers 🏠

Key proposals include:
✅ Earlier legally binding agreements to reduce the risk of gazumping and gazundering.
✅ Greater transparency upfront, with sellers/estate agents expected to provide critical property information earlier in the transaction process.
✅ Increased digitalisation, including digital identity verification, electronic signatures, and improved data sharing between stakeholders.
✅ Enhanced professional standards for estate agents through a new code of practice and potential qualification requirements.

What impact do you think these reforms will have on buyers, sellers, and property professionals?

https://www.financialreporter.co.uk/government-unveils-major-homebuying-reforms-to-slash-delays-cut-costs-and-stop-fall-throughs.html?SRC=MC&dm_i=7MRH,2TZNT,3N35OT,6XR0Z,1,0,0,0

18/06/2026

The Bank of England has held the Base Rate at 3.75%. 🏦

Wondering what this means for your mortgage? We are here to provide insights and help you make the most of this stable period. 🪴 🏚️

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

Address

Lynton Grove
Bedford
MK429RR

Website

https://www.bibimortgages.co.uk/

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