Amy Billitteri Mortgage Advisor

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Amy Billitteri Mortgage Advisor

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Integra Financial Ltd, Mortgage Strategy 2021 Best Small Broker (Highly Commended) mortgage broker with access to over 70+ lenders.

My passion is people and giving them the best service possible so they remember my name in years to come when they need support with any of their mortgage and insurance needs. Creating strong and trusted working relations is a strong part of my working ethos and is shared within Integra Financial Ltd as a business. With access to over 70 mortgage lenders we will provide a friendly and professional mortgage advice process to make your experience as easy and as stress free as possible.

01/11/2026

So, what does the Budget actually mean for homebuyers?

My take from a mortgage advice perspective:

First-time buyers: Potentially welcome support, particularly for those struggling to save a traditional deposit.

Home movers: No immediate Stamp Duty savings or specific new support.

Existing homeowners: No direct mortgage rate reductions announced.

Buy-to-let investors: Increased tax pressure could affect investment decisions.

People planning to buy in 2027: Worth keeping an eye on the new government scheme and its eligibility criteria.

The biggest takeaway: The Government is making an effort to help more first-time buyers onto the property ladder, but a smaller deposit doesn’t automatically mean a more affordable mortgage.

The right mortgage, affordability assessment and understanding of the long-term costs remain just as important.

29/09/2026

15/09/2026

🏦 BANK OF ENGLAND MEETINGS — WHAT DO THEY ACTUALLY MEAN FOR YOUR MORTGAGE?

You’ll often hear the news talking about the Bank of England meeting and whether interest rates are going up, down or staying the same.

But what does that actually mean for you?

The Bank of England’s Monetary Policy Committee (MPC) meets roughly every six weeks to decide where Bank Rate should be. They look at things such as inflation, economic growth, employment and what’s happening in the wider economy. (Bank of England⁠)

📈 If Bank Rate increases:
Borrowing can become more expensive, which can affect mortgage rates and monthly payments.

📉 If Bank Rate decreases:
Borrowing costs can fall, although mortgage rates don’t necessarily change immediately or by the same amount.

➡️ If Bank Rate stays the same:
It doesn’t mean nothing is happening. Mortgage lenders are still constantly reviewing their rates based on the wider financial markets and their own pricing.

And this is the important bit…

Bank Rate isn’t the same thing as your mortgage rate.

So whether you’re:
🏡 Buying your first home
🔑 Moving home
🔄 Coming to the end of your current mortgage deal
💷 Looking to remortgage

…it’s worth looking at your own circumstances rather than simply waiting for the next Bank of England announcement.

The next decision is Thursday 17 September, and I’ll certainly be keeping an eye on it. 👀

If you’re wondering what the current market could mean for your mortgage, feel free to get in touch for a chat.

Your home or property or may be repossessed if you do not keep up your mortgage or secured loan payments.

31/08/2026

⭐️⭐️⭐️⭐️⭐️

30/07/2026

https://www.bbc.co.uk/news/live/clyv9w91g85t

Three of the Monetary Policy Committee's nine members voted in favour of raising rates to 4% over fears of inflation caused by conflict in the Middle East.

28/07/2026

Financial planning doesn’t stop with your mortgage.

I’m pleased to be working with Sarah Dunn at City Wealth Management, who can provide specialist advice on pensions, investments and longer-term financial planning.

It wasn’t until speaking with Sarah that I understood the importance of getting financial advice. There are so many layers to it, especially for business owners looking to grow their business or make it more financially efficient for now and the future.

So get in touch with me if you are looking for advice on financial planning.

The value of an investment can fall as well as rise. You may get back less than the amount invested.

29/05/2026

I am currently away and will respond to all messages on my return, unless the matter is urgent.

Thank you for your patience.

11/05/2026

Conscientious mortgage advice built on trust, transparency, and putting your goals first. 🏡

24/04/2026

Clear communication, constant support and being there when it matters most 🏡

Address

Bristol

Telephone

+447446946025

Website

http://www.integraf.co.uk/

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