Rachel Ramsay - Mortgage Specialist

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Rachel Ramsay - Mortgage Specialist

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Hi! 👋 I simplify the mortgage process by finding tailored solutions from across the whole marketplace. I love what I do! ❤️🏡

I am a Registered Individual of Cornerstone Finance Group. Cornerstone Finance Group is authorised and regulated by The Financial Conduct Authority No.767202

13/10/2026

This week on Mortgages Made Simple, we’re talking about Valuations. 🏡

A valuation is carried out for the lender to make sure the property is suitable security for the mortgage.

It’s worth remembering that a lender’s valuation isn’t the same as a full survey, and if the property is valued lower than expected, it can affect how much the lender is prepared to lend.

If you’re buying and you’re unsure what happens at the valuation stage, send me a message and I’ll talk you through it.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

11/10/2026

🏡📈 **𝗪𝗛𝗬 𝗔𝗥𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗥𝗔𝗧𝗘𝗦 𝗚𝗢𝗜𝗡𝗚 𝗨𝗣 𝗪𝗛𝗘𝗡 𝗧𝗛𝗘 𝗕𝗔𝗡𝗞 𝗢𝗙 𝗘𝗡𝗚𝗟𝗔𝗡𝗗 𝗕𝗔𝗦𝗘 𝗥𝗔𝗧𝗘 𝗛𝗔𝗦𝗡'𝗧 𝗖𝗛𝗔𝗡𝗚𝗘𝗗?**

It's a question I'm often asked, and I completely understand why it causes confusion!

Surely, if the Bank of England hasn't increased interest rates, mortgage lenders shouldn't be increasing theirs either?

🤔 **Well, here's what you need to know...**

💜 **It's all about SWAP RATES!**

Fixed mortgage rates aren't determined by the Bank of England base rate alone.

They're heavily influenced by something called *swap rates*, which reflect financial market expectations about where interest rates are heading in the future.

And these can change every single day!

📊 **So what makes mortgage rates rise?**

🔹 Inflation staying higher than expected

🔹 Predictions that interest rate cuts may be delayed

🔹 Economic and political uncertainty

🔹 Lenders adjusting their pricing and managing demand

🏠 **WHAT DOES THIS MEAN FOR YOUR MORTGAGE?**

✅ Don't assume mortgage rates will fall just because the Bank of England reduces its base rate.

✅ Waiting for a better deal doesn't always mean you'll save money.

✅ If your current mortgage deal is ending within the next 6 months, it's worth reviewing your options now.

💜 **MY ADVICE?**

Don't try to second-guess the mortgage market!

With over 24 years of experience in financial services, I keep a close eye on lender rates and market changes, helping my clients secure suitable, competitive mortgage deals.

Whether you're buying your first home, moving house or remortgaging, I'm here to make the process easier.

📩 **Drop me a message if you'd like to discuss your mortgage options.**

Rachel | Ramsay Financial Ltd 💜

📞 07593 607440

🌐 www.ramsayfinancial.co.uk

*Your home may be repossessed if you do not keep up repayments on your mortgage.*

09/10/2026

A little behind the scenes of Mortgages Made Simple 😂

Safe to say, not every take makes the final cut.
There’s usually a few wrong words, blank moments and a lot of laughing before we get there.

Thankfully, the mortgage advice is a bit smoother than the filming 💜

07/10/2026

This week on Mortgages Made Simple, we’re talking about Underwriting. 🏡

Underwriting is simply when the lender takes a closer look at your mortgage application before making their decision.

They may ask for extra information along the way and that doesn’t necessarily mean there’s a problem. It’s often just part of the process.

Got questions about your mortgage application? Send me a message.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

27/09/2026

𝗔 𝗻𝗲𝘄 𝗴𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗽𝗼𝗹𝗶𝗰𝘆 𝗶𝗻𝗶𝘁𝗶𝗮𝘁𝗶𝘃𝗲 𝗳𝗼𝗿 𝗘𝗻𝗴𝗹𝗮𝗻𝗱 𝘄𝗶𝗹𝗹 𝗵𝗲𝗹𝗽 𝗺𝗼𝗿𝗲 𝘆𝗼𝘂𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝗼𝗻 𝘁𝗼 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗹𝗮𝗱𝗱𝗲𝗿.

The scheme called “Your First Home” is set to help first-time buyers who have a regular income but haven’t been able to save a large deposit.

The proposal includes:

🏠 A 20% equity loan
💰 A minimum 2.5% deposit
🏡 Available on new-build homes
📉 An initial interest-free period
🔎 Income, deposit and property price caps to target those who genuinely need the help

Registration is expected to open by the end of 2026, with the full details due to be announced in the Budget.

And I think this could be particularly interesting for people who keep saying:

“I earn enough to afford a mortgage, but I’ll never save enough deposit.”

But here’s the important bit…

We don’t know all the rules yet.

So if you’re a first-time buyer, don’t make plans based on the headline alone.

There may be other mortgage options available to you now — and when the full details of this scheme are released, I’ll be keeping a very close eye on who it could actually help.

No bank of mum and dad? Don’t assume home ownership is out of reach.

It might just be time to start exploring your options. 🏡

☎️ 𝟬𝟳𝟱𝟵𝟯𝟲𝟬𝟳𝟰𝟰𝟬
📧 𝗶𝗻𝗳𝗼@𝗿𝗮𝗺𝘀𝗮𝘆𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹.𝗰𝗼.𝘂𝗸
🌍 𝘄𝘄𝘄.𝗿𝗮𝗺𝘀𝗮𝘆𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹.𝗰𝗼.𝘂𝗸

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗮𝘁 𝗿𝗶𝘀𝗸 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗹𝗼𝗮𝗻 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝗶𝘁.

#𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗮𝗱𝘃𝗶𝗰𝗲 #𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 #𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 #�

22/09/2026

Landlords, don’t leave your mortgage review until the last minute. 🏡

Giving yourself a bit more time means you can properly look at your options, compare the costs and make a decision without feeling rushed.

If your Buy-to-Let deal is coming to an end soon, send me a message and we can have a chat.

21/09/2026

Proud to support this years Wigan Borough Business Awards🥇🙌 🎉

Excited to celebrate with the finalists on Saturday! 🥂💃🏻🪩

Address

Chorley
PR75NU

Telephone

+447593607440

Website

http://www.ramsayfinancial.co.uk/

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