Emma Ward - Independent Mortgage Adviser

Emma Ward - Independent Mortgage Adviser Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Emma Ward - Independent Mortgage Adviser, Mortgage brokers, Dorchester.

Emma Ward - Independent Mortgage Adviser at Temple Mortgage

Emma is an extremely experienced Mortgage and Protection Adviser, She specialises in mortgage advise which includes advise on Equity Release.

18/05/2026

Starting today, the UK's largest mortgage lender is rolling out a brand-new deal aimed at buyers who are struggling to build a traditional deposit while paying high rents.

Instead of saving the typical 5% deposit, which averages around £14,000 for most first-time buyers, this new product allows you to buy a home up to £300,000 with just a £5,000 down payment.

The Key Details:

- A 5-year fixed rate at 5.89% with no arrangement fee.

- Available for terms up to 40 years. If you are buying as a couple, at least one of you must be a first-time buyer.

- The £5,000 cannot be gifted, meaning it must come from your own savings, not the "Bank of Mum and Dad."

This is a significant shift that will undoubtedly speed up the journey to homeownership for many. However, from a wealth planning perspective, it’s important to look at the long-term math.

At 5.89%, the interest rate is slightly higher than the market average, and borrowing with such a small deposit increases your risk of negative equity if house prices dip. Additionally, stretching a mortgage over 35 or 40 years lowers your monthly payments now but means you will pay significantly more interest over the lifespan of the loan.

It is a fantastic tool to get your foot in the door, but it requires a careful strategy, like planning for future overpayments, to make sure it works for your financial future.

Read the full market update here: https://www.forbes.com/advisor/uk/mortgages/2026/05/12/latest-mortgage-news/

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

15/05/2026

Most people assume their sick pay at work will see them through if they can't work. The reality is often a bit different.

If you had to rely on Statutory Sick Pay, you would be looking at £116.75 a week. For most of us, that barely covers the food shop and a few small bills. It certainly doesn't cover a mortgage or the rising cost of energy.

This is why income protection is worth a look. It is a way to ensure you still have a regular, tax free income if an illness or an accident stops you from working. Most policies pay out between 60% and 70% of what you usually earn. It stays in place until you are fit enough to go back to the office or until you reach retirement age.

The problem is that these policies can be a bit of a maze. You have to navigate things like deferral periods, different levels of cover, and specific exclusions. What works for one person might be completely wrong for someone else, especially if you are self employed or on a zero hours contract.

Our video that breaks down how it works without the jargon: https://www.youtube.com/watch?v=fQL1ViElrn4

It is always better to have these bits of the puzzle in place before you actually need them. If you want to make sure your income is protected, have a watch and get in touch with us at Temple Wealth for a chat.

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

13/05/2026

Financial independence means different things to different people.

For some, it’s retiring comfortably. For others, it’s having choices. Less financial pressure. More control over how time is spent and what the future looks like.

Our new Guide to Financial Independence looks at the practical side of building long-term financial security, without overcomplicating it.

You can read it here: https://www.templewealth.co.uk/resources/bitesized-guides/

Inside the guide, we cover:

- How to work out your own financial “magic number”
- Why clear goals matter more than chasing investment trends
- The role of diversification and long-term investing
- How risk, inflation and market volatility affect financial planning
- Why consistency often matters more than trying to time the market

One point that comes up a lot with clients is this: financial planning is rarely about one big decision. More often, it’s the result of small, consistent actions taken over time.

The guide also explores how different strategies may suit different stages of life, whether you’re building wealth, planning retirement or simply trying to make more informed decisions with your money.

You can read it here: https://www.templewealth.co.uk/resources/bitesized-guides/

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

06/05/2026

The latest "Lending Where We Live" report from UK Finance has just been released, and it highlights a pretty stark reality for the UK housing market. On average, mortgage affordability is at its tightest level since 2008. Homeowners are now spending about 21.3 per cent of their gross income on their repayments, but that figure changes drastically depending on your postcode.

If you are buying in North Norfolk or the London commuter belt, things are particularly squeezed. In places like Hillingdon, Luton, and Slough, borrowers are often committing more than a quarter of their household income to their mortgage. Contrast that with Scotland, where seven of the ten most affordable areas in the UK are located. In spots like East Ayrshire, that income hit drops to around 17 per cent.

What does this mean for the market?

It is not just about home buyers. The report shows a massive divide for landlords too. While buy to let yields are struggling in parts of England like Cambridge and the Derbyshire Dales, Scotland is currently seeing the strongest returns in the country. In some cases, rental yields there are almost double what we are seeing down south.

The levels of debt are also miles apart. A typical borrower in London is sitting on about £280,000 of mortgage debt. That is nearly £70,000 more than the next highest region, the South East. It explains why we are seeing more Londoners opting for interest only options or longer terms to keep those monthly costs manageable.

The takeaway here is that national averages do not tell the whole story. The "right" mortgage strategy depends entirely on where you are looking to buy. Whether you are a first time buyer in the commuter belt or a landlord looking for better yields in the north, the local data is what matters most.

You can read more here: https://www.ukfinance.org.uk/news-and-insight/press-release/mortgage-affordability-tightest-level-2008-significant-regional

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

30/04/2026

The Bank of England has kept interest rates at 3.75% today.

On the face of it, not much has changed. But the tone has. Policymakers are flagging that inflation is likely to rise again, largely driven by higher energy costs linked to events in the Middle East. That could mean rate increases later this year, even though we had been moving in the opposite direction not long ago.

For households and businesses, this creates a slightly awkward position. Borrowing costs are steady for now, but the direction of travel is less certain. Mortgage holders, savers and investors may all feel that in different ways over the coming months.

It is also worth noting that the wider picture is mixed. Inflation has ticked up, while demand in the economy remains relatively soft. That balance matters, as it influences how far and how fast rates might move from here.

If you are reviewing your financial plans, it may be a good time to sense-check where you stand and whether your arrangements still fit your circumstances.

You can read more here: https://www.theguardian.com/business/2026/apr/30/bank-of-england-leaves-interest-rates-on-hold

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

13/04/2026

According to new FCA data, sales of 100% mortgages hit a five-year high last year.

In the first nine months of 2025 alone, 574 buyers bypassed the deposit hurdle entirely, the highest volume we’ve seen since 2021.

Why the sudden surge?

It is no secret that the deposit barrier has become a mountain for many. With rents and household bills at record highs, saving £20k–£30k while paying someone else's mortgage is a cycle that’s becoming nearly impossible to break.

While 100% mortgages are a vital lifeline for some, they are a strategic choice that requires careful thought:

- These products allow you to stop paying rent and start building equity years sooner than you otherwise could.

- Zero-deposit loans typically carry higher interest rates.

- Expert data suggests that even a small 5% deposit could save a borrower nearly £30,000 over the long term through lower interest payments.

The return of 100% lending isn't a sign of a reckless market; it’s a symptom of a market trying to innovate for First-Time Buyers. However, it isn't the right path for everyone.

We are here to help you crunch the numbers, comparing the cost of "waiting to save" versus the cost of "buying now" with a higher rate.

You can read more here: https://www.mortgagestrategy.co.uk/news/100-mortgage-sales-hit-five-year-high/

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

30/03/2026

For the first time in three years, we are seeing a "yield curve inversion" in the UK mortgage market.

It is now officially cheaper (on average) to fix your mortgage for five years than it is for two.

According to the latest data from the Financial Times, 2-year fixed rates have climbed to an average of 5.56%, while 5-year deals sit slightly lower at 5.54%.

Markets are betting that interest rates will stay higher in the short term due to global volatility, but may eventually stabilise.

The "mortgage mayhem" mentioned in the FT is real, but it isn’t a reason to panic; it’s a reason to be precise. In a market where products disappear overnight, having a strategy in place before you find a property is no longer optional.

You can read more here: https://www.ft.com/content/c0b04e06-ed8a-484e-8921-18f7cebb8a9e?syn-25a6b1a6=1

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

19/03/2026

Bank of England Hold at 3.75% - so Lenders can we put rates back down now please 😀 All these rate rises !!

09/03/2026

Mortgage rates edge up as global events shift market expectations.

Recent news shows several UK lenders increasing mortgage rates following a rise in market swap rates. Ongoing geopolitical tensions in the Middle East have led markets to reassess the outlook for inflation and the pace of potential Bank of England rate cuts.

Nationwide has increased some mortgage products by up to 0.25%. HSBC UK and Coventry Building Society have also confirmed increases across parts of their ranges. These changes reflect movements in swap rates, which lenders use to price fixed-rate mortgages and which often respond quickly to global economic developments.

At the time of writing, the average two-year fixed mortgage rate sits around 4.84%, with five-year fixed rates averaging about 4.96%, according to Moneyfacts.

While this does not necessarily signal a dramatic rise in borrowing costs, it does highlight how quickly mortgage pricing can move when market expectations change.

For borrowers approaching the end of a fixed rate or considering a new deal, there may be value in reviewing options sooner rather than later. Many lenders allow rates to be secured several months ahead of completion, which can provide flexibility while monitoring the market.

The broader picture remains uncertain. Higher energy prices could feed into inflation, which may slow the pace of future interest rate reductions. The Bank of England’s next decision is due on 19 March.

In periods of volatility, reviewing your mortgage position early can help you stay in control and understand the options available.

If you would like to discuss your mortgage plans or upcoming renewal, our team at Temple is here to help.

You can read more here: https://www.bbc.co.uk/news/articles/cly1jxdv439o

Get in touch:
Fareham Office:
📞 Call: 01329 282 882
✉ Email: [email protected]
💻 Visit: https://www.templewealth.co.uk

Dorchester Office:
📞 Call: 01305 213150
✉ 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.

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Dorchester
DT13

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