Adam Davies Mortgage & Protection Advisor

08/02/2026

Happy Sunday 😁 love messages like these and yes; I’ve always got appointments 🙌🏻

• Re-mortgages
• Purchases
• Buy to let
• Buy to fix / flip or refinance and let
• Commercial mortgages
• Development / renovation finance
• life insurance
• Home insurance
• Private health insurance

We also have trusted partners in investment and pension advice along with asset finance - feel free to get in touch 😊

📞 07973 155463
💬 07973 155463
📧 [email protected]
🌍 www.gpsfinancial.co.uk

05/02/2026

Base rate held at 3.75%.

An estimated 1m mortgage holders have fixed rates coming to an end this year.

For a review of your mortgage options get in touch 👇🏻👇🏻

Adam Davies Mortgage & Protection Advisor

The Bank of England is set to leave interest rates unchanged at midday on Thursday as it deploys a “wait-and-see” strategy towards the economy before cutting borrowing costs again.

The nine members of the Bank of England’s monetary policy committee (MPC), the panel that sets the base rate about every six weeks, are expected to vote 7-2 in favour of leaving rates at 3.75 per cent, already a three-year low.

A resurgence in inflation and stronger than forecast economic growth is likely to convince a wide majority of committee members to leave policy stable. Office for National Statistics figures showed that inflation picked up to 3.4 per cent on an annual basis in December, up from 3.2 per cent in November.

The economy grew by 0.3 per cent in November, according to latest available data, exceeding the central bank’s projections.

🔗 Click the link in the comments to read more

30/01/2026

A Shawbrook update that’s actually worth paying attention to 👇

We don’t pass on lender updates unless they change what’s realistically achievable on live deals.
This one does.

Shawbrook have reduced rates across their Specialist Buy-to-Let range, and combined with how they underwrite in practice, it’s opened up options that were previously harder to place.

What’s making the difference right now 👇
🏠 Buy-to-Let rates from 4.64%
🏢 HMOs and multi-unit blocks from 4.69%
📊 Commercial valuations supported on six-bed HMOs outside Article 4
⚡ Faster decisions where desktop valuations can be used
📝 No lender legal representation on some remortgages, saving time and cost
🌍 Expat lending still very much available
🔑 Bridging up to 85% LTV for the right projects

The key point isn’t just lower rates.
It’s improved pricing combined with a lender we know delivers well when things aren’t textbook.

If timing, valuation approach, or structure could make or break your next deal, this is well worth a conversation.

📞 07973 155463
💬 07973 155463
🌐 www.gpsfinancial.co.uk

30/01/2026

A Shawbrook update that’s actually worth paying attention to 👇

We don’t pass on lender updates unless they change what’s realistically achievable on live deals.
This one does.

Shawbrook have reduced rates across their Specialist Buy-to-Let range, and combined with how they underwrite in practice, it’s opened up options that were previously harder to place.

What’s making the difference right now 👇
🏠 Buy-to-Let rates from 4.64%
🏢 HMOs and multi-unit blocks from 4.69%
📊 Commercial valuations supported on six-bed HMOs outside Article 4
⚡ Faster decisions where desktop valuations can be used
📝 No lender legal representation on some remortgages, saving time and cost
🌍 Expat lending still very much available
🔑 Bridging up to 85% LTV for the right projects

The key point isn’t just lower rates.
It’s improved pricing combined with a lender we know delivers well when things aren’t textbook.

If timing, valuation approach, or structure could make or break your next deal, this is well worth a conversation.

📞 07973 155463
💬 07973 155463
📧 [email protected]
🌐 www.gpsfinancial.co.uk

09/11/2022

The UK mortgage markets continue to be challenge for those of us working within it and also for mortgage holders alike.

The media seems to enjoy creating a panic and sadly we speak to many clients daily who are “spooked” and in many cases terrified by what they read, watch and listen to. With proper advice and an awareness / understanding of current and expected market movements we are here to advise and guide you through the whole process.

We review existing and new clients financial arrangements daily. We’ve been doing this for more than 2 decades. You may be surprised at where we can help you reduce costs and help you plan for the future.

For a no obligation consultation get in touch. Call, WhatsApp, message or email. We’d love to help - it’s what we’re good at 😁🏠💷

05/10/2022

Good news if you’re a Nationwide mortgage borrower.

“Improving our rate switch criteria
We're pleased to let you know that from today, Wednesday 5 October, we're extending our rate switch window.

If your client already has a mortgage with Nationwide, you can now request a rate switch within 6 months of their product expiring.

We're now also offering a maximum of 4 start dates”

Whether you took out your current mortgage via us or not we can now advise you on the best (current) option if your fixed rate is expiring between now and the next 6 months.

For all things financial… get In Touch ☎️📲📧