Well Financial

02/09/2026

The day they all love 😂

02/09/2026

Purchase and remortgage pricing were both essentially flat this week, holding at 4.70% and 4.85% respectively. A quiet week on the surface, but there's a lot happening underneath it worth flagging.
Swap rates jumped sharply this week, the biggest weekly rise since late July, and most swap terms are now at their highest level since we began tracking them back in early 2025. Three, five, ten and thirty year swaps have all set fresh highs, with two year swaps not far behind. This follows the reignition of the US-Iran conflict over the past few days: US forces struck an island near the Strait of Hormuz, and Iran retaliated with strikes on Jordan and the UAE. Oil prices have risen in response, and gilt yields have followed swap rates higher, with markets increasingly leaning back towards pricing in further Bank of England tightening rather than the cuts many had expected earlier in the year.
Because mortgage pricing tends to lag swap rate moves by a week or two, this week's table doesn't yet reflect the jump. But if the conflict and the associated rise in oil prices continue, we'd expect lenders to start repricing higher over the coming days and weeks. Worth flagging to anyone with a mortgage offer in hand or a rate close to expiry that locking in sooner rather than later may be worth considering.
Purchase mortgages

Total change across the board: 0.05% decrease
Fixed rate change: 0.05% decrease
Variable change: No change
Biggest drop: tracker at 95% LTV dropping 0.05%
Biggest increase: None this week
Remortgages

Total change across the board: 0.22% decrease
Fixed rate change: 0.17% decrease
Variable change: 0.05% decrease
Biggest drop: tracker at 90% LTV dropping 0.06%
Biggest increase: tracker at 75% LTV increasing 0.01%
Please don’t hesitate to contact us if you would like further information on these.

31/08/2026

Took the family to Foxhall Stadium Banger Racing today and watched the caravan destruction derby! Kids loved it. We’ll be back for the fireworks 🎆

31/08/2026

https://www.wellfinancial.co.uk/mortgage-stamp-duty-calculator Work out exactly how much Stamp Duty you’ll pay with our simple Stamp Duty Calculator. Whether you’re a first‑time buyer, moving home or purchasing an additional property, this tool gives you a clear breakdown of the costs involved so you can budget with confidence.

Call us on 0800 0385 556 or book online for a no obligation initial consultation

Calculate your Stamp Duty instantly with Well Financial’s free calculator. Quick, accurate and easy to use for first‑time buyers and home movers.

30/08/2026

Losing your job is stressful - income protection can help by replacing a portion of your pay so essential bills like rent/mortgage, utilities and loan repayments stay covered while you find new work.
It’s a practical safety net that protects your household, savings and credit score.

Compare waiting periods, benefit lengths and exclusions to choose the right policy for your situation. Talk to an adviser to tailor cover to your needs. https://www.wellfinancial.co.uk/income-protection

29/08/2026

🏡 First-time buyer with bad credit? There are some things you should NEVER say to your mortgage adviser…

And no, we're not suggesting you hide anything from them.

In fact, it's the opposite.

If you have bad credit, missed payments, debts or complicated income, your adviser needs to understand your full financial circumstances.

Things like:

❌ “It’s only a small debt, so I didn’t mention it.”

❌ “I didn’t think that would matter.”

❌ “That missed payment probably isn't showing anymore.”

❌ “I’ll deal with the credit card after I get the mortgage.”

❌ “My income is complicated, but it should be fine.”

The problem isn't having a complicated financial history.

The problem is making assumptions about what a lender will or won't consider.

So be honest with your adviser. Give them the full picture and let them assess your circumstances properly.

And please don't be embarrassed about your credit history. If you're worried that your past financial difficulties mean you'll never own a home, the first step is simply finding out what your options actually are.

We offer a free initial mortgage consultation for people looking to understand their mortgage options.

We're UK-based and have a 4.9 Trustpilot rating from 100+ reviews, alongside 220+ Google reviews.

If buying your first home is your goal, get in touch and let's start with a conversation.

🔑 Mortgage eligibility and options depend on your individual circumstances and lender criteria.

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

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £260. There is no fee for first time buyers.

29/08/2026

Excel spreadsheet geeks, unite!
Tell me I’m wrong about this, I know I’m not. 3B is without a doubt the greatest blank square on Microsoft spreadsheet.

28/08/2026

https://www.wellfinancial.co.uk/buildings-and-contents Your home is more than just bricks and mortar, it’s where life happens. Buildings and contents insurance ensures that both your property and everything inside it are covered, giving you peace of mind no matter what life throws your way.

Protect your home with clear, reliable buildings and contents insurance advice in Colchester and Essex. Independent guidance, simple explanations, and support that puts your peace of mind first.

26/08/2026

Purchase rates eased again this week, with the average down from 4.71% to 4.70%. Remortgage rates held steady at 4.85%.

Swap rates fell again too, continuing to unwind some of the rise we saw a couple of weeks ago, which is largely why purchase pricing kept improving even though remortgage pricing didn't move much this time.

There was a mixed batch of UK economic data out on Friday as well, retail sales dipped in July while business activity actually picked up, so nothing that looks likely to shift things dramatically either way for now.

Whatever stage you're at, buying your first place, moving up, or your current deal coming to an end, it's worth a quick chat to see where you stand.

We are based in Colchester but work all over the country, Check our link for an easy online booking.


Your home may be repossessed if you do not keep up repayments on your mortgage.
Well Financial Limited is an Appointed Representative of The Right Mortgage Limited, authorised and regulated by the Financial Conduct Authority

22/08/2026

If life changed overnight and you were diagnosed with cancer, could you afford to take time away from work to focus on treatment and recovery?

That’s exactly what Critical Illness Cover is there for.
It pays out a tax‑free lump sum on diagnosis of a serious condition like cancer, giving you the space to breathe, recover, and keep your household stable during one of the hardest moments a family can face.

If you’d like to understand how this kind of cover works, you can book a time that suits you. If life changed overnight and you were diagnosed with cancer, could you afford to take time away from work to focus on treatment and recovery?

That’s exactly what Critical Illness Cover is there for.
It pays out a tax‑free lump sum on diagnosis of a serious condition like cancer, giving you the space to breathe, recover, and keep your household stable during one of the hardest moments a family can face.

If you’d like to understand how this kind of cover works, you can book a time that suits you.