Michaela Edney - Morgan Cartwright FS

27/04/2026

Great to team up with the team at Gibbins Richards Estate Agents Ltd to talk about the current mortgage market and why it still remains a good time to buy for many people. 🏡

A lot of buyers started the year waiting for rates to reduce — but as we’ve seen recently, that isn’t always guaranteed, and some rates have actually increased instead.

Trying to perfectly time the market can sometimes end up costing more. The key is understanding what’s affordable and right for you personally.

If you’re thinking about buying, moving, or simply want to understand your options, feel free to get in touch 😊

21/04/2026

We have received notifications from a few lenders, announcing they are reducing their rates.

This is good news after all the recent increases and lovely to post something positive again 🎉

16/03/2026

An opportunity today to discuss the impact of rate increases.

It doesn't have to be doom and gloom.

Give us a call to see how we can help and what we can do for you.

05/02/2026

This is key and something I am proud to say we offer.

We take the time to listen and get to know our clients, ensuring they receive the best possible advice.

Mortgages are not one size fits all. . .

Give us a call and see for yourselves 👍

Experience matters when it comes to your finances. 🖋️ At Morgan Cartwright Financial Services, we don’t just find you a mortgage; we find the right mortgage for your unique lifestyle. Our team combines years of industry expertise with a commitment to personal service.

Ready for a financial partner who puts you first? Let's talk.

04/02/2026

We are here to help and take the stress out of buying a property

Please give us a call 😊

Buying a home is one of the biggest decisions you’ll ever make. You shouldn't have to do it alone. At Morgan Cartwright Financial Services, we provide the expert guidance and transparent advice you need to move forward with confidence.

From the first consultation to the moment you get your keys, we’re with you every step of the way. 🏠✨ Get in touch today 📩📞

03/12/2025

03/12/2025

On route to Bridgwater. . . Please see my previous post with link if you wish to donate

03/12/2025

And we're off!!!

And we’re off!
Wish us luck!
Donate here!

https://www.justgiving.com/page/bigwalk-gibbinsrichards?utm_medium=FR&utm_source=CL

02/12/2025

Tomorrow I’m taking part in The BIG WALK (25 miles!) with Gibbins Richards Estate Agents Ltd in aid of St Margaret's Somerset Hospice

For those who know me well… you’ll know I’m not the most athletically inclined — definitely more of a couch potato! 😅

Any support, encouragement, or donations would mean the world. 💛

https://www.justgiving.com/page/bigwalk-gibbinsrichards?utm_medium=FR&utm_source=CL

We will be trying to post a few updates along the way tomorrow, so feel free to follow along

Help Beth Stead raise money to support St Margaret's Somerset Hospice

28/11/2025

Hi everyone - sorry for the delay but it's been a manic few days. . .

As promised, here is a little more info following the news on Wednesday:

💬 Autumn Budget 2025 – Key Mortgage & Property Updates

The Autumn Budget included several announcements that could affect anyone with a mortgage, looking to buy, or investing in rental property. Here’s a clear summary of the points most relevant to the housing and mortgage market:

🏡 Mortgage Market

🔻 Borrowing costs continue to improve
The Bank of England has now cut the Bank Rate five times this Parliament.
For a typical borrower with a £215k mortgage on a 2-year fix, this could mean around £1,200 per year in savings compared to mid-2024.

➤ This is a positive sign for anyone planning to buy, move or remortgage.

🏠 High-Value Property Changes (from 2028)
• £2m+ properties – new council tax surcharge
• £5m+ properties – higher surcharge

This won’t affect most people but is useful for high-value transactions or investment purchases.

🧾 Landlords & Property Investors

Property income tax rates increasing by 2% for both basic and additional rate taxpayers.
Savings and dividend taxes will also rise by 2%.

Combined with frozen tax thresholds until 2028, this may push more landlords into higher tax bands.

👉 Landlords may want to consider:
• reviewing ownership (personal vs. company)
• remortgage opportunities
• long-term portfolio planning
• analysing rental profitability, especially for higher-rate taxpayers

These changes could make professional advice more important than ever for property investors.

🏘️ Privately Managed Estates
The Government plans to consult on giving homeowners more power to challenge unfair estate or maintenance charges — potentially helpful for those buying new-build or privately managed homes.

🏦 First-Time Buyers

A new First-Time Buyer ISA is being developed to replace the Lifetime ISA (consultation in 2026).
This could provide more flexible savings options for future buyers.

💬 My Thoughts

While this Budget didn’t bring any huge surprises, it does provide more stability for the mortgage market. Falling rates are giving buyers and movers renewed confidence, and affordability should continue to improve if trends continue.

Landlords, however, face rising tax pressures and may need to reassess their strategy sooner rather than later.

Overall, clearer direction and lower borrowing costs should help the housing market gradually strengthen into 2026.

26/11/2025

Budget is being announced today! I will post a little later with more info once everything is announced . . .