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 ☎️📲📧

04/10/2022

Over the last few days I’ve had countless calls, emails and texts from existing and new clients in a right old panic in response to what you’re seeing in the media about mortgage rates / cost of living etc.

I’m an Independent Mortgage & Protection specialist.

I qualified and began practicing in 2002.

I’ve spent the last 20 years advising clients from first time buyers to high net worth, celebrity, sports professionals, media professionals, landlords and Mr & Mrs 2.4 children / Average Joe.

I’ve helped clients throughout the tough years 2008-2012 and throughout the covid years too.

Don’t panic. Not all you’re hearing is true and certainly one size does not fit all.

If you want a chat (no obligation), advice or a review (we’re pretty good at saving money) drop me a line; [email protected]
give me a call; 07973155463 / 02920616879 or
ping me a WhatsApp using the message function below.

I’m more than happy to help.

04/10/2022

Founded in 2012, based in Cardiff South Wales but not limited to, our ethos and goal is to provide clear, un-jumbled, easily obtainable financial advice to clients nationwide guiding them through the mortgage maze.

We’re ten years in, thousands of clients helped and £100m’s of mortgage | lending products arranged.

Our focus is quality not quantity. Using our 20+ years industry experience to advise, assist and guide clients throughout the property markets, ensuring they have the best, most suited and relevant advice to their property purchase or refinance needs.

We are Independent / whole of market advisors.

We work for you, the client, not for the providers / lenders / insurance companies products are sourced from.

We use up to date live product sourcing software ensuring we have the latest products at our fingertips.

Areas of advice covered;

• Mortgages - residential, investment, commercial, semi commercial.

• Insurance - life / critical illness / income protection / private medical / property / commercial / developer / portfolio landlord

• Bridging Finance. Short term funding secured upon properties bought for investment. We have access to private funders as well as open market funders. Lending tailored to individual requirements.

• Development funding. Land acquisition to onward development, developer exit funding. Small developer funding. Multi unit / multi phase development funding. We’ve funded developments from £120,000 - £35m. With a close working relationship with high quality lenders (that actually lend) we have the knowledge, expertise and relationships to secure funding for developments of any size.

• Renovation funding. Light - heavy refurb. Buy, fix, flip or refinance.

• Individual to portfolio (4 or more properties) landlord funding. HMO, student let, multi unit block, semi commercial. Individual or Ltd. Co. With 20+ years of helping landlords acquire their first investment property to arranging funding for their 30th. We have lenders for all scenarios.

• First time buyers.

• Divorce settlement / separation / asset sharing / splitting / mortgage capacity reports. We receive vast amounts of referrals from family lawyers and work with them seamlessly to ensure a smooth conclusion to financial separation agreements / court orders.

We are registered individuals with Macsen Wealth Management Ltd. Authorised and regulated by the Financial Conduct Authority no.: 576159