Prism Mortgage & Protection Advice

14/08/2026

Have you noticed that the Bank of England Base Rate hasn’t changed since December 2025, but mortgage rates have?

That’s because mortgage rates don’t simply follow the Base Rate.

Swap rates, economic data, market expectations and even lender demand can all influence how mortgages are priced.

We’ve broken down what’s happening behind the scenes and why being prepared can matter more than trying to predict the market.

🔗 Want to understand more? We’ve put the full article in the comments.

31/07/2026

It's always great to welcome clients back when they need mortgage or protection advice again 💚

Here's what one client had to say after working with Adam:

"Adam has helped us out on our mortgage and insurance policies more than once now and has always made the process easy. He will make sure you fully understand everything before making decisions and find the best policy to suit you.

Always happy with the help and advice given, would highly recommend."

If you'd like clear, structured mortgage and protection advice, you can book a call via our website - prismmortgages.co.uk

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.

24/07/2026

What would happen to your mortgage if you died?

It's not an easy question to ask, but it's an important one.

Our latest guide explains how Life Insurance works, the different types of cover available and the key things to consider when deciding whether it's right for you.

Read the full guide below 🔗

What is life insurance and why does it matter for homeowners? A clear guide to how it works and how it can support your mortgage.

08/07/2026

With Help to Buy Wales due to close to new applications on 30 September 2026, Megan was recently quoted in Mortgage Solutions , sharing her thoughts on the future of the scheme.

Having advised Help to Buy clients since 2018, she's seen how the market has evolved. While the scheme can still be a useful option in some circumstances, it's important to understand how an equity loan works and consider the longer-term picture before making a decision.

The big question now is whether the scheme will be extended and, if so, will any changes will be made to reflect today's housing market?

Did you use Help to Buy Wales to buy your first home? We'd love to hear about your experience in the comments 🏠

03/07/2026

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐜𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐛𝐨𝐫𝐫𝐨𝐰? 🏠

Whether you're buying your first home, moving home or remortgaging, our Mortgage Calculator is a great place to start.

In just a few minutes, you can get an idea of how much you could borrow. If you'd like to talk through your result or explore your mortgage options further, you can also request a callback from us.

You can find our Mortgage Calculator via the link in the comments 🔗

26/06/2026

Every review means a lot to us, but it's especially rewarding when someone takes the time to recommend us to others.

Here's what one client shared after working with Adam:

"We found Adam’s advice and help was fantastic. Would highly recommend him and his service to anyone."

If you're looking for clear, structured mortgage and protection advice, you can book a call via our website - Link in the comments 🔗

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.

22/06/2026

Think the highest offer always gets the house?

Not always!

Sellers are often looking for the most reliable buyer too.

We've shared 5 simple tips to help first time buyers strengthen their position when making an offer.

🔗Link in the comments.

Know someone buying their first home? Share this post with them!

18/06/2026

The Bank of England has held the Base Rate at 3.75%.

While the decision was widely expected, it highlights the difficult balance between rising prices and a slowing economy.

📈 Inflation remains above target
📉 Economic growth is slowing
🏦 The Bank of England is trying to balance both

One thing worth remembering: mortgage rates don't always move in line with the Base Rate.

We've explored what's behind the latest decision and what it could mean for borrowers in our latest blog.

🔗 Link in the comments.

08/05/2026

It’s easy to assume you can’t get a mortgage when your situation doesn’t fit the “normal” mould - especially if you’ve already had unsuccessful applications with other lenders.

Rather than assuming there were no options left, this client contacted Adam for advice.

Here’s what they shared afterwards:

“I cannot recommend Adam enough! I was struggling to secure a mortgage due to my unique financial situation, but he went above and beyond to find the perfect solution for me. Adam was professional, supportive, and incredibly knowledgeable. Thanks to his persistence and expertise, I now have the mortgage I needed. I will definitely be using Adam again in the future!”

If you’d like to review your mortgage options, you can book a call via our website (🔗 in the comments).

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.

30/04/2026

𝗧𝗵𝗲 𝗯𝗮𝘀𝗲 𝗿𝗮𝘁𝗲 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗵𝗲𝗹𝗱 𝗮𝘁 𝟯.𝟳𝟱% - 𝗯𝘂𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗵𝗮𝘃𝗲 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲𝗲𝗻 𝗺𝗼𝘃𝗶𝗻𝗴.

But why? It’s one of the most common points of confusion.

Fixed mortgage pricing is influenced by swap rates - which reflect what markets expect interest rates to do next.

That’s why we’ve seen rates increase, and more recently begin to ease, even without a change to the base rate itself.

If you’re reviewing your options, understanding what’s driving these changes can make a real difference.

Read the full breakdown on our website 👇