Prism Mortgage & Protection Advice

30/10/2026

Nobody wants to be left wondering what's happening with their mortgage application.

That's why we make a point of keeping our clients updated throughout the process, while making sure our advice is tailored to their individual circumstances.

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

"Excellent service from Adam Tovey. Kept me in loop of everything he was doing to ensure best results were achieved for my financial circumstances. Would highly recommend."

If you'd like to talk with us, you can book a call via our website 🔼

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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.

28/10/2026

You might have heard you can borrow four or four-and-a-half times your salary. But there's quite a bit more to it.

Lenders look at your income, financial commitments and household costs. They also have different ways of assessing affordability, so the amount you could borrow can vary considerably.

Megan explains how it all works in our latest insight, including how our mortgage calculator can help you get started.

You'll find the link to the full insight 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.

16/10/2026

Buying and selling a home isn't always plain sailing, and when things get stressful, having an adviser you can rely on can make a real difference.

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

"Megan is absolutely fantastic, I would recommend instantly to anyone that is interested in mortgage advice.

Megan was with us every step of the way throughout our very stressful sale and purchase, I personally believe she went above and beyond the service she was paid to provide.

Worth every single penny! An excellent service and outstanding communication from to to finish and even beyond."

If you're planning to move home and would like expert mortgage advice, you can book a call via our website.

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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.

14/10/2026

How much you could borrow depends on more than just your income.

Two households could have the same income and otherwise identical circumstances, but if one has a personal loan and the other doesn’t, the amount they may be able to borrow could be different.

Not only that, but the impact can differ between lenders. That’s where independent advice can help - by looking at the bigger picture and how different lenders may approach it.

Want to explore your own circumstances? Use our mortgage calculator on our website (🔗 in the comments).

*Calculator figures are indicative and for illustrative purposes only. In some circumstances, you may be able to borrow more than the figure shown – in others, less.

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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.

07/10/2026

Self-employed and wondering how a lender will assess your circumstances?

Two lenders can look at the same person, the same business and the same documents - and arrive at very different conclusions.

Adam’s new blog explains what lenders look for and which documents you may need. Read it through the link in the comments 👇

If you’d like to talk through your circumstances, get in touch with Adam or Megan at Prism.

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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.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority. A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.

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 🔗