The Mortgage Expert

18/03/2026

📈 Mortgage rates spike…

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.

For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.

This is where using a mortgage broker can really help 👇

🔎 Access to a wide range of lenders – not just the ones you see on the high street

📊 Up-to-date market insight – we keep track of rate changes as they happen

💡 Tailored advice – finding the most suitable deal for your personal circumstances

⏱️ Saving you time and stress – we compare options and handle the process for you

With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.

If you're thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.

📩 Feel free to message us to explore your options.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

07/02/2026

😬 “£150k profit… but the lender still saw their income as ‘£0’. Here’s why.”

📩 I spoke with a client recently — a scenario I see quite often with limited company directors.

🗣️ Client: “Sam, the business is performing really well… profits are solid. But the lenders I approached directly treated my income like it barely exists.”

🤝 Me: “How are you paying yourself?”

🗣️ Client: “Small salary. Modest dividends. Most of the profit stays in the business.”

🧠 That’s where the issue was.

✅ What many directors don’t realise

Your company can be profitable… yet your mortgage application can still appear weak because many lenders only count:

Salary ✅ + Dividends ✅

They don’t automatically include retained company profit.

🔍 What changed after I reviewed the accounts

After going through the company figures, the real affordability strength was clearly in the retained profit.

Some lenders will consider company profits for directors — but criteria varies:

• Some use profit before tax
• Some use profit after tax

🛠️ What we did

We selected a lender that could use profit after tax and presented the case clearly so the underwriter could see the full picture.

✅ Outcome

Once the income was assessed correctly, the borrowing potential looked far more realistic.

💡 Takeaway

🏢 A successful company doesn’t always equal 👤 acceptable income for a lender.
It comes down to lender criteria and how the case is structured.

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

04/02/2026

💡 Want to pay off your mortgage years earlier — without feeling the squeeze?

One tool I often talk to clients about is Sprive — an app designed to help homeowners clear their mortgage faster and save thousands in interest.

✅ Uses cashback from everyday spending to make overpayments

✅ Automatically puts small amounts aside toward your mortgage

✅ Can cut years off your mortgage term

Most people don’t realise that even small, regular overpayments can make a huge difference over time.
They're appearing on Dragons Den, 8pm on BBC One this Thursday.

Here's the link to download:

Get mortgage free, faster

07/08/2025

06/08/2025

Thank you for the kind review!

04/08/2025

The Mortgage Expert
Www.themortgageexpert.co.uk
01303 316 103

22/06/2025

If there’s one single piece of advice I could give to anyone buying a home, it’s this:

Do not choose your solicitor based on price alone.

The lure of an online conveyancer offering bargain fees is strong, but in reality, these cut-price firms often cost buyers dearly in time and stress.

Instead, find a good, local solicitor.
Someone you can speak to face-to-face if things go awry..

If you don’t know where to start — ask a friend, your agent, or ask me. Please don’t leave one of life’s most expensive, never mind stressful transactions in the hands of a faceless call-centre.

If this helps even one person avoid a conveyancing nightmare, I’ll have done my job - helping people.

18/06/2025

18/06/2025

Contact details:
www.TheMortgageExpert.co.uk
[email protected]
01303 316103

13/06/2025

Getting Mortgage ready? Here are 6 simple steps to boost your chances of approval

06/06/2025

Thank you for the recent kind Google reviews!