Prism Mortgage & Protection Advice

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 👇

24/04/2026

Complex behind the scenes. Straightforward for the client.

In this case, Megan supported the client through a remortgage and later a product transfer, working through a more involved situation and tailoring everything along the way.

Here's what they shared afterwards:

"We have worked with Megan over the past 2 1/2 years as a mortgage adviser. She worked tirelessly in the background to secure our remortgage and more recently our product transfer!

We couldn’t be happier with her communication, professionalism and excellent knowledge when giving us advice. She tailored everything on an individual basis. I felt that we were in safe and trusting hands always.

Thank you so much Megan, you have made it all an easy process for us whilst always being amenable and understanding to what we wanted and needed.

We will continue to work with you in future for all of our mortgage and product advice."

If you’d like to review your mortgage or protection, 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.

16/04/2026

If you were diagnosed with a serious illness, what would you want to happen financially?

Most people plan their mortgage carefully.
But many plans rely on one assumption - that life will continue as expected.

Critical Illness Cover provides a tax-free lump sum on diagnosis, giving you the flexibility to:

* reduce or clear your mortgage
* ease financial pressure
* take time to focus on recovery
* adapt your plans if needed

It’s not about expecting the worst.
It’s about having options if life changes.

Read the full insight below 👇

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

10/04/2026

Your mortgage and insurances aren’t a one-time decision - they evolve as life does.

At Prism, we're here to help you adapt, review and stay protected every step of the way.

“Adam has been looking after my mortgage and life insurances for the last 8 years. It’s been an absolutely amazing experience working with Adam. I would highly recommend Prism Mortgages.”

Thank you for the trust 💚

If you’d like to review your mortgage or protection, 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.

08/04/2026

🌱 200 trees planted!

We’ve now funded the planting of 200 trees through our partnership with Treeapp 🌍

At Prism, we believe businesses should make a positive impact. That means supporting more than just your finances - it means supporting our environment and communities, too.

That’s why we now plant a tree for every completed mortgage.

Treeapp operates global reforestation projects across multiple continents, focusing on areas where support is most needed and delivering measurable impact for both people and the planet.

So every client we work with contributes to something bigger.

If you’ve worked with us or referred someone - thank you 💚

If you’re planning your next move, you can get in touch 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.

27/03/2026

Before getting in touch with Megan, this customer had been advised by another firm to consider a second charge mortgage to fund their home renovations - a more complex and expensive route.

After reviewing their circumstances, Megan identified that a remortgage with a mainstream lender was possible, resulting in a simpler and more cost-effective outcome.

Here’s what they shared afterwards:

“Megan was great when helping my partner and I secure a new mortgage with some equity release for renovation. She was always on hand to help with any worries we had. Had zero difficulty from start to finish.”

If you’d like clear, structured advice based on your plans, 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.

19/03/2026

Bank of England base rate: unchanged.
Mortgage rates: already moving.

Many borrowers assume mortgage rates follow the base rate directly.

In reality, lenders price mortgages based largely on swap rates - and those have risen in recent weeks as markets react to global uncertainty.

We’re already seeing lenders withdraw and reprice deals quickly, highlighting how fast conditions can change.

If your fixed deal ends in the next 6-12 months, reviewing your options early can help you stay ahead of further changes.

Read the full article below 👇

17/03/2026

Remortgaging can quickly become confusing when you’re comparing lenders, criteria and different products.

Here’s what one client shared after working with Adam on their buy-to-let remortgage:

“Adam’s excellent market knowledge and service makes a sometimes confusing and daunting process much simpler and easy going. Highly recommended.”

With lenders repricing deals at the moment, reviewing your options sooner rather than later can make a real difference.

If you’d like clear, structured advice based on your circumstances, get in touch via WhatsApp.

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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.

13/03/2026

Did you know the average mortgage term for a first time buyer is now around 31 years?

Mortgage approvals are built on one key assumption: that the income paying the mortgage will continue for the duration of the term.

Most financial plans quietly rely on that assumption, and no one expects to find themselves in a position where keeping up their mortgage payments becomes uncertain.

Income Protection is designed to provide a regular income if illness or injury prevents you from working, helping to maintain mortgage payments, household bills and other essential costs.

You can read our full guide here 👇

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