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.

08/09/2026

Getting a mortgage isn’t just about finding the cheapest rate.
Different lenders have different criteria, and what looks like the “best deal” on paper might not actually be the best fit for you.
That’s where a good mortgage broker earns their keep.
We take the time to understand your circumstances, look at the bigger picture, navigate lender criteria and help package your application properly,then keep things moving through to completion.

And for us, it goes beyond the mortgage. We can also help make sure the right protection is in place for you and your family.
Because it’s not about finding a mortgage. It’s about finding the right mortgage for you.
If you’re thinking about buying, moving or remortgaging, feel free to get in touch.

07/09/2026

What does a mortgage broker actually do? 🏡

It’s more than just finding you a mortgage.

We look at your individual circumstances to find you a great deal, make sure you’re properly protected, and liaise with solicitors and estate agents to help keep everything moving.

Basically, we’re there to make the whole mortgage process that little bit easier 🙌

07/09/2026

When did you last review your protection? 🤔

Life changes, and your insurance should change with it.

Had a child? Changed jobs? Gone self-employed? Maybe you’ve got an old life or critical illness policy that hasn’t been looked at since you took out your first mortgage.

Or perhaps you now have a limited company and could potentially benefit from arranging certain cover through the business.

Life insurance, critical illness and income protection aren’t something you should just set up and forget about.

A quick review could make sure your cover still does what you need it to do.

03/09/2026

When a new client says… **“You’ve come highly recommended.”** 😏

No pressure then… 😂

Whether it’s getting the right mortgage, reviewing your current deal, or making sure you and your family are properly protected, I’m here to help.

And if I do a good job? Feel free to make the next person tell me I came **highly recommended** too. 👀😂

📩 Drop me a message and let’s have a chat.

03/09/2026

When a new client says… **“You’ve come highly recommended.”** 😏

No pressure then… 😂

Whether it’s getting the right mortgage, reviewing your current deal, or making sure you and your family are properly protected — I’m here to help.

And if I do a good job? Feel free to make the next person tell me I came **highly recommended** too. 👀😂

📩 Drop me a message and let’s have a chat.

FirstTimeBuyer Remortgage HighlyRecommended

September already… how did that happen? 😅But the start of a new month is a decent reminder to have a quick look at the t...
01/09/2026

September already… how did that happen? 😅

But the start of a new month is a decent reminder to have a quick look at the things we all tend to put off.

When did you last properly review your mortgage or life insurance?

A lot can change in a couple of years. Maybe you’ve:

Gone self-employed or changed jobs

Had a pay rise or changed your income
Borrowed more money

Moved house or increased your mortgage

Had children or other changes at home

Got life cover sitting in a drawer somewhere and genuinely can’t remember what it covers
If that sounds familiar, it’s probably worth a review.

Your existing cover might still be absolutely fine or it might no longer match what you actually need.

And if your mortgage deal is coming to an end, you’re thinking about moving, or you want to look at additional borrowing, give us a shout.

No big sales pitch. Just a conversation to see where you’re at and whether anything needs changing.

📩 Drop me a message and we’ll have a look.

Apex Mortgage & Protection UK

Lenders are cutting again. Inflation is heading the other way.Two things happened in the last fortnight and they're poin...
26/08/2026

Lenders are cutting again. Inflation is heading the other way.

Two things happened in the last fortnight and they're pointing in different directions.

First, rate cutting momentum has returned. Several lenders, Santander among them, trimmed fixed rates across their ranges last week. The average two year fixed rate now sits at around 5.61%, having eased slightly from where it was at the end of July.

Second, inflation rose to 2.9% in July, up from 2.6% in June. That's the opposite of what anyone wanting cheaper borrowing wants to see.

So which one wins?

Honestly, nobody knows, and that's rather the point. Lenders price on swap rates and their own expectations, which is why fixed rates have gone up and down repeatedly this year while the base rate hasn't moved once. It's sat at 3.75% all year.

The Bank of England next meets on 17 September. Between now and then, expect lenders to keep repricing in both directions.

What that means for you is fairly simple.

If your deal is ending in the next six months, cuts like last week's are the reason it's worth looking now rather than assuming nothing has changed. Deals move quickly, and the ones that appear during a competitive spell don't always hang around.

If you're on your lender's standard variable rate, none of this changes the fact that you're very likely paying more than you need to, and you can switch whenever you want.

Secure something that works for you and keep it under review. If your lender offers something better before you complete, you may be able to switch. Switching to a different lender may incur additional charges.

Want to know what's actually available to you this week? 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.

Sources –
https://moneyfactscompare.co.uk/news/mortgages/best-uk-residential-mortgage-rates-this-week/
https://hoa.org.uk/advice/guides-for-homeowners/for-owners/mortgage-rate-forecast/
https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

Income protection doesn't always start paying straight away.Every income protection policy has something called a deferr...
25/08/2026

Income protection doesn't always start paying straight away.

Every income protection policy has something called a deferred period. It's the gap between you being unable to work and the policy actually starting to pay out.

Common options are four weeks, eight weeks, thirteen weeks, six months or twelve months. The longer the wait, the cheaper the premium.

That's why it matters. When people shop on price alone, they often end up with a long deferred period without really registering it. It looks like a bargain right up until the moment they need it and discover there's a six month gap to bridge on their own.

The right choice depends on what you'd actually fall back on.

If your employer pays you in full for three months when you're off sick, a shorter deferred period might be paying for cover you don't need in that window.

If you're self employed with statutory sick pay of precisely nothing, a long wait could be a serious problem.

If you've got savings, how many months would they genuinely cover once the mortgage, bills and food are coming out?

That's the sum. Match the deferred period to how long you could realistically last without the policy, then you're paying for cover that starts exactly when you'd run out.

If you've got income protection and you don't know your deferred period, it's worth checking. And if you're setting cover up, it's one of the most important decisions in the whole thing.

📞 03332 200 270
✉ [email protected]

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

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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