Ben Scott - Home Finance Solutions

01/04/2026

Is your fixed rate up for renewal in 6 months or less?

We’re seeing more lenders change their product transfer windows, meaning you may be able to secure your next rate earlier than you think.

Your lender will usually write to you when you’re approaching the end of your deal - that’s your cue to get in touch with your broker, as that’s where we come in 👇

As your broker, we’ll review all of your options well in advance and get in touch at the right time to help you lock in a suitable rate.

📊 And it doesn’t stop there…
We’ll keep monitoring the market for you, so if better rates come along, we’ll let you know - saving you the time, stress, and constant checking.

💡 Less hassle. Smarter timing. Better outcomes.

If your deal is ending in the next 4-6 months, now’s the time to start the conversation.

https://home-finance.co.uk/

0330 912 1808



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.

25/03/2026

Thinking about Buy-to-Let? 🏡

More landlords are choosing to buy property through a limited company and mortgages are a big part of that decision.
Why the shift?

Changes to tax and regulations mean owning property in your personal name isn’t always the most efficient option. A limited company mortgage can offer a more structured way to invest and grow your property portfolio.

We’re seeing more clients:

👉 Starting their landlord journey with a limited company mortgage
👉 Planning ahead for multiple properties
👉 Wanting to keep their personal borrowing options open (buying their own home)

There’s also growing interest in:

✔️ Investing in more affordable areas
✔️ Holiday lets and short-term rental opportunities

When it comes to mortgages, it’s not one-size-fits-all.
As a mortgage broker, I have access to a wide range of lenders -not just the high street, so I can tailor advice to suit your goals as a landlord.

Limited company Buy-to-Let can be a complex area, but that’s where a broker makes it simple. I’ll help you understand your options, lender criteria, and find a solution that works for you.

📩 Get in touch to see what could work for you

https://home-finance.co.uk/



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.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

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.

11/03/2026

💚 Make Your Home More Energy Efficient – Interest Free 💚

With the cost of living still high and energy bills continuing to rise, making your home more energy efficient isn’t just about doing your bit for the planet, it could help reduce your monthly outgoings too...

Planning energy-efficient upgrades? You could borrow between £5,000 and £20,000 at 0% interest to help make it happen.

✨ 0% fixed interest for 2 or 5 years
✨ Available up to 90% loan to value (so only 10% deposit or equity)
✨ No product fees from the lender
✨ Apply after your first mortgage payment has cleared (no 6+month wait)

🏡 For example:
If you're buying a new home and know it needs new windows, insulation and smart heating costing £15,000–£20,000, you wouldn’t have to wait the usual 180 days to apply for additional borrowing. Once your first mortgage payment has cleared, you could apply and get started on those improvements sooner!

Upgrade your home, improve energy efficiency and spread the cost.

Subject to full application and underwriting.

📩 Message us to see if this could work for you.



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.

28/01/2026

Running your own business should be a reason to celebrate, not a red tape hurdle for you to navigate when looking for a mortgage.

Our expert team are on hand to discuss your mortgage options as a self-employed professional.

Give us a call today to find out more.

0330 912 1808📞

[email protected]💻

https://home-finance.co.uk/

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

21/01/2026

Some fantastic news in the mortgage market today!

https://home-finance.co.uk/

The change could provide an uplift of £37,500 for single applicants and £50,000 for joint applicants.

18/12/2025

10/09/2025

The Bank of England has cut its base rate to 4%, its fifth reduction in 12 months.

What does this mean for you?

If you’re a homeowner with a remortgage due in the next 6 months:

Get in touch with us today to start looking for your new mortgage deal. You could lock in a new rate ready for your renewal and we will do all the leg work for you to ensure we find the most suitable product for your needs.

Don’t underestimate the power of using a broker; we have access to exclusive rates not available on the high street, which could save you a lot of money over time.

0330 912 1808📞
[email protected]💻

https://home-finance.co.uk/

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

14/03/2025

If you’re a first-time buyer in England, Scotland or Wales, you could purchase a property valued at up to £500,000 with just a £5,000 deposit!*

Get in touch with us today to find out more

0330 912 1808📞
[email protected]💻

https://home-finance.co.uk/

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

* https://shorturl.at/g3CGE

19/02/2025

⚠️Stamp Duty Land Tax (SDLT) thresholds are reducing from the 1st April 2025. This means the SDLT threshold for First-Time Buyers is reducing from £425,000 to £300,000. ⚠️

To find out how much Stamp Duty you might have to pay, please don’t hesitate to get in contact with us:

[email protected] 💻
0330 912 1808 📞

https://home-finance.co.uk

More information can be found on the government website: https://www.gov.uk/stamp-duty-land-tax

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

13/12/2024

🎄🎄🎅🏼🎅🏼 There are a variety of reasons people look to arrange a remortgage.
Whether you want to cut your costs by moving to a more competitive rate or simply need to raise some extra cash, remortgaging can work for all kinds of purposes. 🎅🏼🎅🏼🎄🎄

Get in touch today to see how we can help.

[email protected] 💻
0330 912 1808 📞

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.