Mortgage Adviser - Jordan Goddard

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Mortgage Adviser - Jordan Goddard

Specialising in Independent Mortgage and Protection Advice for Prosperity Wealth.

05/03/2026

Prosperity Wealth is now part of Fairstone.

Looking forward to continuing to support my clients every step of the way 📈📈

25/02/2025

Client feedback 🚀

Helping clients navigate the mortgage process and secure the right deal is what I love doing, and I’m so glad I could make the journey smoother during such an important time.

Buying a home isn’t just about securing a mortgage—it’s about the entire journey. From the first conversation to the final completion, my goal is to offer support, reassurance, and expertise every step of the way.

03/12/2024

Turning Challenges into Solutions - Bridging Finance Success

Last week, I helped a client secure a bridging loan in just three days—from application to completion—saving them from losing a £27,500 deposit on a property abroad.

With time against us and many saying it couldn’t be done, I partnered with a trusted legal team to resolve over 50 lender queries within a day. By the deadline, the funds were secured, and the client’s goals were achieved.

Amazing teamwork all around, and I’m thrilled the client now has the funds to complete their purchase!

01/08/2024

BOE reduction alert 🚨

The Bank of England’s recent decision to cut the base rate to 5% marks a significant shift in monetary policy, as it is the first reduction since March 2020.

The close 5-4 vote by the Monetary Policy Committee (MPC) reflects the delicate balance between addressing inflation and supporting economic growth. This move ends a series of seven consecutive holds at 5.25%, indicating a response to the cooling inflation, which dropped to 4.6% in November 2023 from previous highs.

Impact on Mortgage Holders:
For mortgage holders, the base rate cut brings notable potential benefits:
1. Reduced Mortgage Rates: Mortgage rates, which are closely linked to the base rate, are expected to decrease. Two-year fixed mortgage rates have already been trending down, currently around 4.64%. This reduction offers relief to homeowners and could stimulate refinancing activities.
2. Market Movement: With some lenders already dropping rates below 4%, there is anticipation of increased activity in the housing market, even during the typically quieter summer months.
3. Monthly Repayments: Individuals on Standard Variable Rates (SVR) and tracker rates will see reductions in their monthly payments, easing financial burdens.

Economic Implications:
The rate cut aims to balance the dual objectives of controlling inflation and providing relief to borrowers. The financial markets are optimistic about further rate cuts if the inflation trend continues downward, which could enhance the positive effects for mortgage holders and stimulate broader economic activity.

In summary, the Bank of England’s decision to reduce the base rate is a significant development for the UK economy, with immediate positive implications for mortgage holders and potential longer-term benefits if the trend of cooling inflation persists.

Do you wish to have your current mortgage reviewed? Give us a call on 07971332777 or email [email protected]

Jordan Goddard

05/02/2024

Another happy client giving amazing feedback after completing on their mortgage 😊

22/01/2024

Here’s five tips ✅

1. Use a credit card little and often
Using credit regularly and responsibly is key to building your credit score. Keeping your credit card active by spending small amounts and paying your bill off each month makes you appear more attractive to lenders. This will definitely boost your score because it shows you can reliably pay back any money you borrow.

2. Keep your credit utilisation low
For a better credit score, try not to use too much of the credit you have available to you. Keeping your credit card utilisation low, preferably under 30% of your limit, shows lenders that you can manage your credit sensibly. Why not check how much of your credit you’re currently utilising by getting a credit report today?

3. Fix mistakes on your report
Your credit score is based on the information held in your credit report. If this information isn’t accurate (e.g. an account appearing as ‘open’ when it is ‘closed’) then your credit score won’t be either. This could mean your score is lower than it should be. By checking your credit report regularly, you can spot and fix any mistakes, thus boosting your credit score.

4. Getting on the electoral roll (also known as the electoral register) can help improve the way you’re viewed by lenders, and boost your chances of getting accepted for credit. This is because credit reference agencies are able to verify who you are, which can make you appear more stable to lenders. You can register for the electoral roll here. If you’re not sure if you’re registered, you’ll need to check with your local authority which you can do here.

5. Get your name on some bills if it isn’t already
Utility bills - such as your mobile phone contract or your gas bill - count as a form of credit. They’re a great way to show lenders you can pay your bills back reliably (as long as you pay on time). If you don’t have an account in your name (for example, if you’re in a house share), you won’t get the boost to your credit score, even if you’re contributing to the bills. Someone is literally taking the credit for you. It’s definitely worth considering putting one or two utility bills in your name, which could help boost your credit score.

Great client feedback received last week 🌟 Please get in touch with any enquiries 📩Jordan.goddard@prosperitywealth.com

10/07/2023

Great client feedback received last week 🌟

Please get in touch with any enquiries 📩
[email protected]

24/04/2023

Despite the recent Bank of England rate rises, we have seen two and five-year fixed-rate mortgages fall over the last few months, with this trend likely to continue over the foreseeable future.

One main advantage of using a broker for your mortgage advice, compared to going directly to a lender is that we continue to track your application through to completion.

If the lender reduces their rate after you submitted your application but before completion, we will automatically contact you and switch you to the better rate (subject to your approval). This is something that lenders will not do on your behalf.

Get in contact to see how I can help today 📩
[email protected]

30/03/2023

FA - Football Association contract changes 🚨⚽️

Major changes to players contracts have been announced in the National League and below.

Now should be the time to have some specialist protection in place should the unfortunate happen, allowing you the opportunity to keep your income, pay your bills and have peace of mind allowing you to concentrate on getting yourself back playing.

Do you have any protection in place?
I have access to a wide range of protection policies tailored to your needs.

Please feel free to get in contact to see how I can help you 📩
[email protected]

24/03/2023

Yesterday the Bank of England announced a further 0.25% increase to the base rate taking it to 4.25%.

This will have a knock-on effect for everyone on tracker variable rate mortgages. Thankfully, mortgage products remain very competitive, so please get in touch to discuss your options.

[email protected]

15/03/2023

Understanding the acronyms 🧐

Navigating the mortgage world can be stressful enough, so we have cut through the jargon for you with these handy definitions.

Hope this helps ☺️

Address

Prosperity Wealth, 2nd Floor, Quay House, Waterfront Way, Brierley Hill
Brierley Hill
DY51XD

Telephone

+447971332777

Website

https://www.prosperitywealth.com/team/jordan-goddard/

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