Alan Wilson Mortgage Advice

04/02/2026

💡 Struggling to juggle credit cards, loans or store cards?
You’re not alone - and there may be a way to simplify things.


I have access to a lender that offers a debt consolidation mortgage option up to 80% loan to value, so only 20% equity in your home! It is designed to help homeowners bring multiple debts together into one manageable monthly payment.


This could help if you’re dealing with:
✔️ High credit card balances
✔️ Multiple monthly debt repayments
✔️ Recent ups and downs with your credit

✨ Why this option works for many homeowners:
• No strict income-to-debt limits
• Debts paid off as part of the mortgage aren’t counted again in affordability
• No set limit on how much debt can be consolidated
• Larger balances considered sensibly, based on your recent spending
• No special or higher-priced products - it’s part of the lender’s standard range
• Interest-only options available with flexible repayment plans


If you’re looking to reduce monthly outgoings and get back in control of your finances, it’s worth having a conversation.

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



Subject to eligibility 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.’’

16/01/2026

Good Afternoon,


Don’t Let Illness or Injury Stop Your Income

Your income is your most valuable asset — it pays the bills, supports your family, and secures your lifestyle. But what would happen if illness or injury stopped you from working?


Income Protection Insurance helps replace a portion of your income if you’re unable to work due to sickness or injury, giving you financial security when you need it most.


Why income protection matters:


•
Receive regular monthly payments while you recover
•
Cover everyday expenses like rent, mortgage, and utilities
•
Reduce financial stress and focus on getting better
•
Protection that can last until you return to work or retire

Many people insure their homes and cars, yet overlook protecting their income — the very thing that pays for everything else.

Don’t leave your future to chance. Take control today and make sure you and your loved ones are financially protected, no matter what life throws your way.

Get in touch today to learn how income protection can work for you.

Get in touch today to see if we can help either via messenger or email at [email protected]

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.’’

18/09/2025

Today, 18th September 2025, the Bank of England (BoE) decided to keep the Bank Rate at 4%. Although this isn’t another drop, it remains the lowest the Bank Rate has been for a while.

Top takeaways:
Current Bank Rate is 4% set on 18 September 2025
The current inflation rate is 3.8% with a target of 2%
Next Bank of England’s next interest rate decision is planned for 6th November

What does the rate mean for you and your mortgage?

Banks base their interest rates on Bank Rate, which influences the interest rates on saving and borrowing. Holding the Bank Rate might mean there are no changes to your mortgage repayments if you are on a variable interest rate. But if it’s time to remortgage, you might get a better deal than you did a couple of months ago.

Why does the Bank Rate influence spending and inflation?

The Bank Rate influences the interest banks charge and offer you, depending on whether you are borrowing money (for your mortgage) or if you are saving your money with them.

If rates fall and you have a loan or mortgage, your interest payments may get cheaper. And, if you have savings, you may be paid less interest. Interestingly, lower rates can increase the value of wealth. Naturally, if your remortgage payments decrease, it’ll give you some extra cash to spend.

The Bank of England shares, “to meet our inflation target, we need to judge how much people intend to save and spend given the current interest rates. For example, if people start spending too little, that will reduce business and cause people to lose their jobs. In that case, we may cut interest rates to help support spending.”

If you’d like to read more about interest rates and inflation, the Bank of England’s website has a great explainer, which we’ve linked for you here.

For specific and specialised advice tailored to you and your mortgage repayments, please reply to this email or give us a call on 07584 070 722. We’ll go through all your details with you and discuss how this interest rate may affect your situation. Trust the experts and take worrying about your mortgage off your to-do list.

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

02/09/2025

Struggling with deposit but want to buy your first home. Then help may be at end. Then get in touch with me to find out more about the governments LIFT scheme.

https://linkhousing.org.uk/lift

For advising and arranging your mortgage, we may charge you a fee, which is payable on the mortgage offer.
Our fees range between £195 and £995 depending on your situation and circumstance
You will be notified of the exact fee payable prior to the submission of your mortgage application.

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

AIW Mortgages Limited is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Number 936935
AIW Mortgages Ltd is registered in Scotland. Company Number: SC650616.
Registered Address: 30 Glasgow Road, Edinburgh, EH12 8HL.

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

LIFT Open Market Shared Equity Want to buy a home on the open market but don’t think you can afford the full price? The LIFT Scheme could help. The LIFT Open Market Shared Equity (OMSE) scheme helps buyers to purchase a home for sale on the open market by providing up to 40% funding tow...

23/12/2024

Well that’s a wrap for 2024. 🎄

Been another prosperous year at AIW Mortgages with many challenges to overcome and I couldn’t have done it with help of my dedicated admin and partner Let Wilson.
In challenging times we lean on each other to provide the best service for our clients.

A huge thank you to all new and existing clients who have trusted me with their mortgage and insurance needs and I can’t wait for the many years working with you all.

Then a big thanks to all my friends, family and professional connections who refer me to friends/colleagues and clients throughout the year. It’s so appreciated and I can’t thank you enough. I hope the feedback continues to be positive back to you all!

Have a wonderful Christmas and New Year and I’ll see you all in 2025.

27/10/2024

Another very satisfied client. What a lovely way to end the week with a 5* review.

In other news this week, I helped a first time buyer client purchase the house he was living in from the landlord and we used the 10k discount being provided by the owner as part of his deposit.
And also had a client contact me via the website to discuss shared ownership purchase. And I have 2 insuarance reviews to complete. So plenty for me to be getting on with next week.

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.

Get in touch for an initial appointment on ⁨07584 070722⁩ or email on [email protected]

03/09/2024

🔍 Did You Know? Many people unknowingly overpay on their home insurance simply because they don’t review their policies regularly. Insurance needs can change over time, and what worked last year might not be the best fit now. 🏡

Let us take the hassle out of insurance shopping. Contact us to ensure you’re fully covered without overpaying.
📞 07584 070722 or email at [email protected].

AIW Mortgages is a trading name of AIW Mortgages Ltd. Registered Address is 30 Glasgow Road, Edinburgh, EH12 8HL. Registered in Scotland: SC650616. AIW Mortgages Ltd FCA Number 936935 is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority.

16/08/2024

Looking to remortgage?

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, help pay off some debts, help your kids get on the ladder, remortgaging can work for all kinds of purposes.

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.

Get in touch for an initial appointment on 07584 070722 or email on [email protected]

29/07/2024

Fixed or tracker rate coming to an end within the next 6 months. Now is the time to review your mortgage options, whether its for your main residence or one of your other properties.

With expert knowledge, we have access to exclusive deals and lenders that are not always available on the high street. We scour our panel whilst considering your personal circumstances and presenting the most suitable solution for you. We have access to a comprehensive lender panel and it is our duty to ensure that we provide a competitive deal for you.

Please get in touch on 07584070722 or email at [email protected]

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

23/04/2024

Are you considering moving home this year?

We know there may be a ton of factors you’re considering while looking for your dream property.

Whether you’re on the hunt for more green space, or want to save money, or your fixed deal is coming to an end and want to know your mortgage options. Get in touch with me and we can talk to you about your current affordability, so you can have an idea of how much you can realistically afford?

Call 07584070722 or email [email protected] and I will help simplify the mortgage process

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.

23/04/2024

If you don’t regularly keep up with what’s going on in the mortgage market, it’s easy to feel a little lost and confused. We understand how important it is to have clarity around your financial obligations, such as a mortgage, so why not get in touch for a no obligation chat today and see what we can do to support you through.

You can contact me on 07584070722 or email at [email protected].

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.

27/03/2024

Great news just announced for First time Buyers.

Today Accord has launched an option specifically for first time buyers where a minimum deposit of £5,000 is required, allowing you to borrow up to 99% of the property value which means only 1% deposit.

At least one applicant must be a first time buyer, with minimum deposit of £5,000 and the product is only available on a 5 year fixed rate. Available for house purchases above £100,000 and up to £500,000 but excludes flats and new builds.

Struggled to save 5% deposit, but have £5,000 saved? This might be the time for you get on the ladder.

Should you wish to know more, please feel free to get in touch via Facebook or 07584070722

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS