Rachel Price - Independent Mortgage Adviser

02/11/2026

A little birthday appreciation post! 🎂☺️

Thank you so much to everyone who took the time to wish me a happy birthday, send lovely messages and make the day feel special.

I really do appreciate every single one. Feeling very lucky and grateful. 🫶🥰

Now back to normality and another busy week! 🏠☕

26/10/2026

If you couldn’t work due to illness or injury, how long would your savings cover your essential bills?

Statutory Sick Pay in the UK is currently £116.75 a week, payable for up to 28 weeks. For most households, that leaves a significant gap when it comes to covering rent, mortgage payments, food, and utilities.

Income protection insurance is designed to pay a monthly tax-free income if health issues prevent you from working, helping you stay on top of daily living costs while you recover.

Watch our short animated video to see how it works. You can watch it here: https://www.youtube.com/watch?v=fQL1ViElrn4

📞 Call: 07717 668591
✉ Email: [email protected]
💻 Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage. Rates and eligibility vary. Always seek tailored advice. Subject to status and lender criteria.

12/10/2026

Some lovely client reviews I just had to share on a Monday morning 🥰

06/10/2026

The government has announced details for "Your First Home," a new homeownership initiative designed to help first-time buyers in England buy a new-build property.

Under the proposed policy, buyers can purchase a home with a 2.5% deposit, backed by a 20% government equity loan featuring an initial interest-free period. Detailed eligibility criteria, property price limits, and equity loan terms will be confirmed in next month's Budget.

While lowering the entry barrier to a 2.5% deposit helps first-time buyers step onto the ladder much sooner, purchasing a home is just one part of your broader financial foundation.

Structuring a home purchase with a small deposit alongside a government equity loan requires careful balance-sheet planning. Taking on a 77.5% mortgage alongside a 20% equity loan means managing future cash flow effectively, especially once the interest-free period finishes and loan fees begin. Keeping your monthly borrowing costs balanced ensures you can continue funding other vital long-term priorities, such as maximising annual ISA allowances, building retirement savings, and protecting family cash reserves.

Viewing property debt through a holistic wealth management lens ensures your first home serves as a springboard for lifetime prosperity rather than a strain on your future financial freedom.
Read more here: https://www.bbc.co.uk/news/articles/cv8e33gdw17no

Get in touch:
📞 Call: 07717 668591
✉ Email: [email protected]
💻 Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.
Rates and eligibility vary. Always seek tailored advice.
Subject to status and lender criteria.

02/10/2026

Another busy week done and dusted! ☕️🏡✨

It’s been one of those weeks with plenty of client calls, paperwork, updates and lots of little things to keep everything moving behind the scenes.

Hope you’ve all had a good week 🤍🐾

Rachel x

24/09/2026

The Bank of England has kept the benchmark base rate at 3.75% for the sixth meeting in a row. However, with global energy prices pushing inflation up to 3.1% in August, central bankers are treading carefully to keep rising living costs under control.
Even though official interest rates haven't changed, major high-street banks have already started pushing up fixed mortgage rates, with average 5-year fixed deals creeping up to 5.87%.
When the Bank of England pauses, it is easy to assume mortgage costs will freeze too. But commercial lenders adjust their prices based on wholesale markets every day, which means fixed deals can get more expensive even when the base rate stays put.
If your current fixed rate ends anytime in the next six months, waiting around to see what happens next can cost you. Rising mortgage payments take a bigger bite out of your monthly income, leaving less room to put toward your wider goals, whether that is building up savings, funding your pension, or planning for your family's future.
Securing a new mortgage deal early puts a firm safety net around your finances. It caps your maximum monthly costs so you won't be caught off guard if rates keep climbing. And if market conditions settle and lower rates come back before your start date, you can easily switch to a better deal. Looking at your home loan as part of your total financial picture keeps your money working as hard as possible for you.

You can read more here: https://www.bbc.co.uk/news/articles/cm4gjrxez1q0o

Get in touch:
📞 Call: 07717 668591
✉ Email: [email protected]
💻 Visit: https://www.templemortgage.co.uk

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

Rates and eligibility vary. Always seek tailored advice.
Subject to status and lender criteria.

22/09/2026

10/09/2026

Thinking about moving? 🏠
Whether you're dreaming of a bigger kitchen, more space for the kids or simply fancy a change of scenery.
If moving is on your radar, it's never too early to start thinking about your mortgage options and what might be possible.
Get in touch:
📱07717 668591
📧 [email protected]

(Your house may be repossessed if you do not keep up repayments on your mortgage.)

08/09/2026

Sometimes it’s the little things…🌻. A busy day, lots of mortgage conversations, emails and paperwork...and then coming home to this beautiful reminder that behind every case is a real person and their own story.

I never forget how lucky I am to do a job where I get to be a part of such important moments in people’s lives.

How gorgeous are these flowers?! What's your favourite flower? 👇

01/09/2026

When a serious illness strikes, the impact reaches far beyond your health; it affects your entire household. From daily bills and mortgage payments to childcare and extended time off work, the indirect financial costs of illness can add up rapidly.

In our brand-new blog, we take an in-depth look at Critical Illness Cover and why it plays such a vital role in a complete financial plan.
A critical illness policy pays out a tax-free lump sum upon diagnosis of a covered condition, giving you complete freedom to use the funds wherever they are needed most. Whether that’s replacing lost income, paying off debt, or creating a financial cushion while you adapt, having that support provides invaluable peace of mind.
Because policy terms, covered conditions, and extra benefits vary widely between providers, speaking with an Independent Financial Adviser ensures you secure the right cover for your family and budget.

Learn how to safeguard your family's future here: https://www.templewealth.co.uk/.../why-critical-illness.../

Get in touch:
📞 07717 668591
✉ [email protected]
💻 Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.
Rates and eligibility vary. Always seek tailored advice.
Subject to status and lender criteria.