Ben Scott - Home Finance Solutions

05/08/2026

🏡 Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.

0330 912 1808 📞
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.

27/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.

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



Subject to full mortgage application and product range.

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.

14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:
• Up to 98% LTV (just £5k minimum deposit)
• Available on homes up to £300,000
• 5-year fixed rate with NO product fees
• Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.
We have access to this deal, so drop us a message! 👇



Subject to full mortgage application and product range.

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.

08/05/2026

🏡 A little reminder for first-time buyers…

You’re employed.
You earn a steady income each month.
You’ve got your deposit sorted.

And yet… getting on the property ladder still feels just out of reach.

That’s exactly why a high street lender offers eligible buyers the chance to borrow up to 6x their income, meaning you could potentially access more than standard lending amounts.

✨ From a 5% deposit
💷 £500 cashback available
🏠 Built to support first-time buyers onto the ladder

Lenders are doing what they can to support buyers right now, but these options are sometimes overlooked 👀This is why a mortgage broker can help, we keep up to date with schemes like this and help match you to the right lender.

📩 Message us to see what could be possible for you.

0330 912 1808

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



Subject to eligibility and lending criteria.

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.

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.