Mortgage Monkeys

Mortgage Monkeys Mortgage Monkeys is a professional and very friendly team of mortgage specialists
Approved by The Openwork Partnership on 20th July 2026

A lot of the mortgage questions being searched online in 2026 are the same topics people regularly ask about when discus...
01/09/2026

A lot of the mortgage questions being searched online in 2026 are the same topics people regularly ask about when discussing home buying and remortgaging.
One question that appears frequently is:
“Can anyone predict when mortgage rates will fall?”

Mortgage rates are influenced by a range of economic and market factors, including:
• Inflation
• Bank of England decisions
• Market conditions
• Lender competition

Future rate movements cannot be predicted with certainty.
Some buyers choose to focus on finding a mortgage that suits their circumstances rather than trying to time market movements.

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

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

Our thought of the week.
31/08/2026

Our thought of the week.

Some homeowners choose to review their mortgage periodically rather than waiting until the end of a deal.This can help t...
27/08/2026

Some homeowners choose to review their mortgage periodically rather than waiting until the end of a deal.
This can help them:
• Stay aware of expiry dates
• Understand current arrangements
• Reflect changes in personal circumstances

Mortgage products and lender criteria can change over time.

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

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

This is one of the most common reasons people delay speaking to a mortgage adviser.The reality is that some buyers may b...
25/08/2026

This is one of the most common reasons people delay speaking to a mortgage adviser.
The reality is that some buyers may be able to purchase with a smaller deposit than they expect.
Depending on the property price and lender criteria, some buyers may have options with:
• A 5% deposit
• Around £5,000 saved
• Family-assisted arrangements
Every situation is different, and eligibility will depend on individual circumstances and lender criteria.
The biggest mistake many buyers make is assuming homeownership isn't possible without exploring their options first.
Have you checked what's available to you?
DM us "DEPOSIT" to speak with our mortgage specialists today or share with someone you think needs to see this.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

We recently reviewed some of the most commonly searched mortgage-related questions online this year.Many reflected the s...
20/08/2026

We recently reviewed some of the most commonly searched mortgage-related questions online this year.
Many reflected the same themes that often come up in general mortgage conversations.
"What is an Agreement in Principle?"

An Agreement in Principle (AIP) is an early indication of how much someone may be able to borrow.
Some buyers arrange this before viewing properties or making offers.
An AIP may help provide:
• An estimate of borrowing potential
• Evidence affordability has been reviewed
• Additional information for estate agents or sellers
• Greater confidence when making an offer on a property

In some cases, estate agents and sellers may view an offer more favourably when a buyer already has an Agreement in Principle in place, as it demonstrates they have taken initial steps towards securing mortgage finance.
It's also worth noting that some lenders may carry out a hard credit search when issuing an Agreement in Principle, while others may use a soft search. A mortgage adviser can help identify suitable options based on your circumstances.

An Agreement in Principle is not a guarantee of mortgage approval.

DM us "AIP" to speak with our mortgage specialists today.

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

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

A lot of the mortgage questions being searched online in 2026 are the same topics people regularly ask about when discus...
18/08/2026

A lot of the mortgage questions being searched online in 2026 are the same topics people regularly ask about when discussing home buying and remortgaging.

One question that appears frequently is:
"How much deposit is normally needed for a mortgage?"

The minimum deposit required will vary depending on the lender and mortgage product.
In many cases, buyers may need at least 5% of the property value as a deposit. For some purchasers, this could mean a deposit from around £5,000, depending on the property's purchase price and lender criteria.

A larger deposit may:
• Reduce the amount borrowed
• Affect available mortgage products
• Influence interest rates offered by lenders

Deposit requirements and eligibility differ between lenders and individual circumstances.

DM us "DEPOSIT" to speak with our mortgage specialists today or share with someone you think needs to see this.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

It's a question we've been asked a lot recently.Many people assume they need permanent residency before applying for a m...
13/08/2026

It's a question we've been asked a lot recently.
Many people assume they need permanent residency before applying for a mortgage.
In reality, some lenders may consider applicants who hold a Skilled Worker Visa, subject to their criteria.

Lenders may look at:
• Length of time remaining on your visa
• Employment status
• Income level
• Deposit available
• Credit history

Requirements vary significantly between lenders.
That's why understanding which lenders may be suitable for your circumstances can be important.

Have you explored your options yet?

DM us "VISA" to speak with our mortgage specialists today or share with someone you think needs to see this.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 13/07/2026

This is something many households consider as part of wider financial planning, particularly if they're unable to work d...
11/08/2026

This is something many households consider as part of wider financial planning, particularly if they're unable to work due to sickness or injury.
For many people:
• Mortgage payments continue
• Household bills continue
• Everyday living expenses continue
Some individuals choose to review their savings, workplace benefits or insurance arrangements to better understand how they might manage financially if their income changed.
Protection insurance can provide much-needed financial support if you’re unable to work due to sickness or injury.

Mortgage Monkeys is a trading style of James Paul Beadell which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership 15/07/2026

Address

Broadwalk House, Southernhay West
Exeter
EX11TS

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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