Apex Mortgage & Protection UK

Apex Mortgage & Protection UK Apex Mortgage & Protection is a trading name of Apex Mortgage & Protection UK Ltd. Registered in England and Wales under company number 10881760.

Veteran owned brokerage with "Integrity at Heart"

Purchase Mortgages
Remortgages
Buy-to-Let
Equity Release
Life Insurance
Income Protection
Critical Illness Cover

By introduction only:
Commercial Mortgages
Bridging Loans
Estate Planning Apex Mortgage & Protection UK Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. Registered a

ddress: Unity Business Centre, 26 Roundhay Road, Leeds, West Yorkshire, England, LS7 1AB. Entered on the Financial Services Register under firm reference number 792712.

Your protection policy from 6 years ago, probably.A lot of people set up their life insurance or income protection when ...
04/06/2026

Your protection policy from 6 years ago, probably.

A lot of people set up their life insurance or income protection when they first got a mortgage and then never looked at it again.

But think about everything that's changed since then. Maybe you've moved to a bigger home. Had children. Changed jobs. Started earning more. Taken on more responsibility.

If your cover is still based on the life you had back then, there's a good chance it no longer matches the life you have now. The mortgage might be bigger. The family might be bigger. The stakes are definitely higher.

The good news is reviewing it is quick, and it doesn't always mean paying more. Sometimes it's just about making sure what you've got actually does the job it's meant to.

If it's been a few years since you last looked at your cover, it's worth a five minute check.

📞 03332 200 270
✉ [email protected]

🛡️ As with all insurance policies, conditions and exclusions will apply.

Waiting for rates to drop is a gamble. And it might not pay off.For most of the past year, everyone assumed mortgage rat...
03/06/2026

Waiting for rates to drop is a gamble. And it might not pay off.

For most of the past year, everyone assumed mortgage rates would keep falling. Lately, that assumption has started to wobble.

The energy price shock from the conflict in the Middle East has kept inflation higher than expected. And while nobody knows for certain what happens next, the conversation has clearly shifted. Some forecasters now think the Bank of England could actually raise rates rather than cut them.

The next decision is on 18 June.

So what should you do? If your fixed deal is ending in the next six months, sitting back and hoping for cheaper rates is a gamble. Securing a deal now gives you certainty. And if your lender offers something better before you complete, you may be able to switch. Switching to a different lender may incur additional charges.

If you're on your lender's standard variable rate, that's almost always the most expensive place to be, whatever the Bank decides.

The smart move in an uncertain market is simple. Know your options. Get in touch and we'll take a look.

📞 03332 200 270
✉ [email protected]

🔐 Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

02/06/2026

You protect your phone with a case and a screen protector. What about the person paying the bill?

We're funny about what we protect. A £20 phone case to guard against a cracked screen. Extended warranties on the washing machine. Insurance on the holiday. All sensible.

But the one thing that pays for all of it, your income, often gets no protection at all.
If you couldn't work for six months because of illness or injury, how would the bills get paid? For most people, statutory sick pay wouldn't come close to covering the mortgage, let alone everything else.

Income protection is designed to step in exactly here. It pays you a monthly amount if you're unable to work, just like a replacement wage. Depending on the policy, it can run until you recover or until you retire.

It's not about expecting the worst. It's about making sure that if life throws something unexpected at you, the foundations stay solid.

It usually costs a lot less than people think. Worth a quick conversation to find out.

📞 03332 200 270
✉ [email protected]

🛡️ As with all insurance policies, conditions and exclusions will apply.

When you realise your bank only offers their own deals.Here's the thing most people don't realise. Your bank can only of...
01/06/2026

When you realise your bank only offers their own deals.

Here's the thing most people don't realise. Your bank can only offer you their own products. Their rates, their criteria, their deals. That's it.

Walk into one bank and you're seeing one tiny slice of the market. And if they say no, or only offer you one option, it's easy to assume that's the best you can do.

A broker works differently. We look across a wide range of lenders to find the deal that actually fits your situation. Whether you're a first time buyer, self employed, remortgaging, or have had a few bumps on your credit file. Different lenders suit different people, and knowing which one to approach makes all the difference.

Same you. Same situation. Potentially a very different outcome. Just depends on how many doors you knock on.

Five minutes on the phone could open up a lot more than your bank ever would.

📞 03332 200 270
✉ [email protected]

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

Meet Sarankan.Sarankan joined Apex just over a year ago and has quickly become one of the most talked about names in our...
29/05/2026

Meet Sarankan.

Sarankan joined Apex just over a year ago and has quickly become one of the most talked about names in our client reviews.

The feedback says it all. Outstanding support. Above and beyond. Made a stressful process feel straightforward.

What drives him is simple. The moment a client finally gets the keys to their dream home and realises it actually happened. Being part of that journey, keeping the process as stress-free as possible, and making sure clients feel genuinely informed every step of the way is what he loves most about the job.

That client-first mindset hasn't gone unnoticed internally either. Lewis describes him as someone who "has come in and absolutely smashed it" and "one to watch within the business in the future."

Outside of work, Sarankan loves learning new things. He's currently renovating his living room, which he's enjoying every minute of. Big believer that life is always more interesting when you're picking up new skills along the way.

If you want an adviser who genuinely cares about getting it right for you, Sarankan is exactly the person you want in your corner.

📞 03332 200 270
✉ [email protected]

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

Putting off writing a will like...It's one of those jobs that never feels urgent. Until suddenly it is.Here's the realit...
28/05/2026

Putting off writing a will like...

It's one of those jobs that never feels urgent. Until suddenly it is.

Here's the reality. More than half of UK adults don't have a will. And without one, the law decides what happens to your home, your savings and your belongings. Not you.

If you're not married, your partner has no automatic right to inherit anything. If you have children from a previous relationship, things can get complicated fast.

The rules of intestacy rarely match what people actually want.

A will fixes all of that. It puts you in control. And it takes far less time than most people imagine.

If "soon" has been your answer for a while, give us a call. We can point you in the right direction.

📞 03332 200 270
✉ [email protected]

Wills are not usually regulated by the Financial Conduct Authority. Wills are arranged by introduction only.

Some good news for a change. Inflation has fallen and lenders are cutting rates.After months of uncertainty, there's bee...
27/05/2026

Some good news for a change. Inflation has fallen and lenders are cutting rates.

After months of uncertainty, there's been a more positive shift in the market this week.

UK inflation fell to 2.8% in April, down from 3.3% in March. That's a welcome surprise and it's eased some of the pressure that had been pushing mortgage rates higher.

On the back of that, several lenders have been cutting their fixed rates. Santander reduced rates across its first time buyer, home mover and remortgage products this week. Others have followed.

So is this the turning point everyone's been hoping for?

Maybe. But here's the important bit. Experts are warning that this dip in inflation could be temporary, with the possibility of it rising again over the coming months as energy costs continue to feed through. The next Bank of England decision is on 18 June, and the market is still genuinely split.

What does that mean for you? If you spot a good rate right now, it could be worth securing it while it's available. Rates have moved quickly in both directions this year. If your lender offers something better before you complete, you may be able to switch. Switching to a different lender may incur additional charges.

If you'd like to know what's available to you in this window, get in touch.

📞 03332 200 270
✉ [email protected]

🔐 Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.
Source – https://moneyfactscompare.co.uk/news/mortgages/

26/05/2026

The "I'll sort it later" approach to protection. We need to talk about it.

Life insurance. Income protection. Critical illness cover. Almost everyone agrees they're a good idea. And almost everyone has a reason to put off actually sorting it.

Too busy this month. Will do it after payday. Will look into it once things settle down. Will sort it when we move. The list goes on.

But here's the uncomfortable truth. Protection only works if it's in place before you need it. You can't take out life insurance after something happens. You can't backdate income protection to cover an illness you already have.

And the longer you wait, the more it tends to cost. Premiums are based on your age and health when you apply. Every year you put it off, you're a year older. And none of us know what's around the corner health-wise.

The good news is that sorting it is far quicker and cheaper than most people expect. Often it's a five minute conversation and less than the cost of a takeaway each month.

If "later" has been your plan for a while now, maybe today's the day to actually look into it.

📞 03332 200 270
✉ [email protected]

🛡️ As with all insurance policies, conditions and exclusions will apply.

First time buyers, this one's for you.A lot of people think they need a 20% deposit before they can even think about buy...
25/05/2026

First time buyers, this one's for you.

A lot of people think they need a 20% deposit before they can even think about buying. So they spend years saving, watching house prices move, feeling like the goal keeps shifting.

Here's the thing. There are mortgages available with just a 5% deposit. On a £200,000 home, that's the difference between needing £40,000 and needing £10,000.

A bigger deposit can get you a better rate, yes. But a smaller one doesn't lock you out. It just means your options look a little different.

If you've been waiting to save a huge deposit before you start looking, it might be worth a quick chat to see where you actually stand. You could be a lot closer than you think.

📞 03332 200 270
✉ [email protected]

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

Meet Diane Bernard.With over 21 years in financial services, Diane has built her reputation on one thing. Finding a way....
22/05/2026

Meet Diane Bernard.

With over 21 years in financial services, Diane has built her reputation on one thing. Finding a way.

She specialises in the cases other people give up on. The complex ones. The tricky ones. The clients who have already been told "no" by their bank and assumed that was the end of the road. Diane sees those cases differently. Where others see obstacles, she sees a puzzle worth solving.

Having previously worked alongside Lewis and Josh during their time at Barclays, she joined Apex bringing that same determination and client-first approach with her. For Diane, every case is personal. And nothing beats the moment a client who thought it was impossible gets the keys to their new home.

Away from work, she is happiest out on a long walk with her one-eyed dog, spending time with her two daughters, or planning her next trip somewhere new. She is a big believer in positivity, manifestation, and living life to the fullest. And that energy shows up in everything she does for her clients.

If you have been told no before, or your situation feels too complicated, Diane is exactly the person you want in your corner.

📞 03332 200 270
✉ [email protected]

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

Address

Unity Business Centre, 26 Roundhay Road
Fareham
LS71AB

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

0330 118 1060

Website

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