Jigsaw Money Management Ltd

Jigsaw Money Management Ltd We are a local family run business giving Independent, whole of market mortgage and protection advice based in Epping, Ipswich, Norwich and Scotland.

Mark has been in Financial Services for over 25 years, starting his Career as an IFA (independent Financial Adviser) with Friends Provident.

10 years ago based in Epping, Jigsaw Money was created with a clear vision to offer additional enhanced services to existing and new clients. Mark strives for perfect customer service. He specialises in all kinds of mortgages and protection from First Time Buyers to Limited Company Mortgages.

International Dog Day 🐾Today, we’re taking a little break from mortgages to introduce you to some of the most important ...
26/08/2026

International Dog Day 🐾

Today, we’re taking a little break from mortgages to introduce you to some of the most important members of the team… the dogs!

They might not know their fixed rates from their tracker rates, but they’re experts in the important things: taking breaks, demanding attention and making sure nobody works through lunch.

So, in honour of International Dog Day, here are some of the very good boys and girls behind the scenes at our office.

The big question is… which one would you trust to run the office? 👀

Monday Rate UpdateEvening all, hope the week's off to a decent start. Straight into it then, because there's some decent...
24/08/2026

Monday Rate Update

Evening all, hope the week's off to a decent start. Straight into it then, because there's some decent news this week.

2 year fixes have dropped 0.10%, 3 year fixes are down 0.07%, and 5 year fixes have eased by 0.03%. Small numbers, but we'll take a reduction over an increase any day of the week.

Here's a bit of free advice while we're on the subject. Don't get too caught up chasing the "perfect" week to fix. Rates like this tend to shuffle around a little in both directions as lenders compete with each other and react to how the economy's looking, and most experts reckon that's roughly how the rest of the year will go too. Small drops, the odd small rise, rinse and repeat. Waiting for the ideal moment often means waiting for something that never quite arrives.

What matters more is where you personally stand right now, whether that's a deal ending soon, or you're just curious what you'd be offered today. No pressure at all, but if you'd ever like to talk it through, we're always happy to help.

She was told it wasn't possible.Divorce meant leaving the family home, and she needed somewhere for her and her three gr...
20/08/2026

She was told it wasn't possible.

Divorce meant leaving the family home, and she needed somewhere for her and her three grown-up children. Credit issues, a small income, and high house prices meant other advisers had already said the same thing: forget buying, you'll need to rent.

We sat down with the whole family, not just mum, and looked at the full picture. Her children had no plans to move out anytime soon, so we asked a different question. What if the mortgage wasn't mum's at all?

Her three children took out the mortgage together, in their own names, as first time buyers. Their combined income changed what was affordable.

We often hear about parents helping children onto the property ladder. Rarely the other way round. That's exactly what this family did, and more lenders now have criteria to support it.

They've since moved into a home big enough for all four of them, settling in together after a year that could easily have pulled them apart.

Sometimes the right answer isn't about one person's income. It's about looking at everyone in the room.

💅 GIRL MATH, BUT MAKE IT UK PROPERTY 🏡37% of women planning their first home purchase say they’re doing it solo, compare...
19/08/2026

💅 GIRL MATH, BUT MAKE IT UK PROPERTY 🏡

37% of women planning their first home purchase say they’re doing it solo, compared to 35% planning to buy with a partner. And one UK building society saw 11.5% more mortgage applications from single women than single men last year.

So no — you don’t need a ring, a relationship, or anyone’s permission to buy a house.

Single, newly single, partnered, or just doing your own thing — buying on your own could genuinely be on the table.

We’re a small team, mostly women, and we’re obsessed with watching more of you take charge of your own financial future. 💕

Because owning your home isn’t just somewhere to live — it’s independence, it’s security, it’s yours.

So here’s the vibe:
✨ Block him. Buy the house.
✨ Hot girls build equity.
✨ Future you will be so glad you did this.

If you’ve been quietly wondering whether buying solo is actually doable for you — don’t count yourself out before we’ve even had a chat.

📩 Send us a message and let’s find out what’s possible for you.

18/08/2026

“84 years and counting” 😭🏗️

Thinking about buying a new build? Know this first: completion dates move — a lot. Weather, material shortages and planning delays can push things back by months.

The catch: mortgage offers usually only last 6 months. Apply too early and your build gets delayed, and your offer could expire before you even get the keys — meaning reapplying, and possibly a worse rate.

Good news — some lenders offer extensions for new builds. Getting the timing right from the start makes all the difference.

Looking at a new build? DM us and let’s get your timing sorted 🙌

HomeBuyingJourney

Monday rate update 📉5 year fixed rates have held steady this week, but there's some movement on the shorter end – 2 and ...
17/08/2026

Monday rate update 📉

5 year fixed rates have held steady this week, but there's some movement on the shorter end – 2 and 3 year fixed rates have both nudged down, though only slightly for now.

The more interesting bit is what's landing in our inbox. Several lenders have been in touch today to confirm rate reductions coming this week:

🔹 Nationwide – cutting rates by up to 0.15% from tomorrow
🔹 Santander – cutting rates by up to 0.13% from Wednesday
🔹 Nottingham Building Society – cutting rates by up to 0.15%

And that's just from the lenders who've emailed us today.

In our experience, once one of the bigger high street lenders starts trimming rates, others tend to follow fairly quickly. So there's a good chance we'll be back here next Monday talking about even more reductions.

We'll keep you posted as things move 👍

16/08/2026

Fix your mortgage now, or wait for the September rate decision?

Honestly, I wouldn’t make your mortgage decision based on what happens on 17th September.

Why? Fixed mortgage rates aren’t directly tied to the Bank of England base rate. They’re driven by swap rates, which reflect market expectations of where rates are heading.

So the September decision could happen… and your fixed rate might barely move.

Instead:

→ You can usually lock in a rate up to 6 months before your deal ends
→ If a better rate comes along, you can usually switch before completing
→ Wait too long and you could end up on a much higher standard variable rate

So rather than trying to predict one particular day, locking in now and keeping the option to switch later can be the more sensible move.

No crystal ball required.

If your mortgage is coming to the end of it’s fixed period, send us a message and let’s look at your options.

What is the purpose of insurance? Honestly, most people can't say — even though they're paying for it.If you've got a mo...
15/08/2026

What is the purpose of insurance? Honestly, most people can't say — even though they're paying for it.

If you've got a mortgage, it's worth knowing. Swipe through to see what life insurance, critical illness cover, income protection and family income benefit actually do, in plain English 👉

None of it's designed to be complicated. It's designed to make sure your mortgage doesn't become a problem if life throws you a curveball.

Not sure what you've already got, or what you might be missing? Send me a message and we'll go through it together — free, no obligation.

It's Financial Awareness Day — so here's your low-effort excuse to actually check your mortgage and protection cover, in...
14/08/2026

It's Financial Awareness Day — so here's your low-effort excuse to actually check your mortgage and protection cover, instead of just hoping it's fine.

Swipe through for 4 simple steps to financial clarity 👉

No spreadsheets, no jargon, no lecture. Just four honest questions that could save you a headache down the line.

Not sure where to start? Send us a message and we'll go through it together — free, no obligation.

Five stars mean a lot to us.We’re proud to share some of the lovely reviews our clients have left us.For us, it’s not ju...
13/08/2026

Five stars mean a lot to us.

We’re proud to share some of the lovely reviews our clients have left us.

For us, it’s not just about getting a mortgage over the line. It’s about listening to what our clients actually want and need, finding the right mortgage and protection solutions, and making the whole process feel as straightforward as possible.

So when a client takes the time to leave us a 5-star review, it genuinely means a lot.

Thank you to everyone who has trusted us with their mortgage and protection needs — and to those who have taken the time to share their experience.

Your feedback matters.

Address

12 St Albans Road
Epping
CM167RD

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+441992947500

Website

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