Claire Davies - Emerald Mortgages

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Claire Davies - Emerald Mortgages Mortgage Adviser at Emerald Mortgages

Top tip! If you're self employed and looking to submit a mortgage application before the end of the year, be aware that ...
28/09/2026

Top tip! If you're self employed and looking to submit a mortgage application before the end of the year, be aware that most lenders will expect you to have already submitted your tax returns for 25/26 and be upto date with your tax payment. Even though, strictly speaking the online HMRC date isn't until 31st January, lenders will want the accounts and tax calcs to be no more than 18 months old.

If you're self employed and would like advice on your next mortgage, get in touch.

📧 [email protected]

The Bank of England has once again held the base interest rate at 4%, after an evenly split vote at 5-4 to keep things a...
06/11/2025

The Bank of England has once again held the base interest rate at 4%, after an evenly split vote at 5-4 to keep things at the same level.

This follows five cuts in the base rate since August 2024.

Holding steady this time around was very much predicted. How do you think the decision will go at the final base rate review of 2025 next month?

Remember, remember when your fixed rate ends....and it might not be quite when you think! 🗓A lot of people think the dat...
05/11/2025

Remember, remember when your fixed rate ends....and it might not be quite when you think! 🗓

A lot of people think the date their fixed rate ends is directly linked to the date they bought the property. But this is not usually the case.

The vast majority of fixed mortgage rates have their own set end date regardless of what date you actually moved in. 🏠

So it's a great idea to double check exactly when your fixed rate ends, and start reviewing your options around 6 months before your rate expires. This gives you plenty of time to avoid going onto your lender's variable rate (which is usually far higher than your fixed rate!).

If you'd like some help securing your next interest rate, or understanding exactly when your rate ends, drop me a message! 📩

Today is my first day of work in 2025 after a wonderfully restful Christmas break, which was very much needed.You may ha...
07/01/2025

Today is my first day of work in 2025 after a wonderfully restful Christmas break, which was very much needed.

You may have noticed I was very quiet here on socials throughout 2024 - it was a very difficult year for me as I navigated through many personal challenges; with a number of losses in my family, and a significant change in my home life. I'm certainly glad to see the back of 2024!

It wasn't all bad - there were some lovely parts in between the rest - especially time spent with my children, great friends, and extended family; and of course, our fabulous Mortgage Mum get-togethers. 🥰

I've still been here, serving my clients and writing business - huge thank you to my lovely clients for your compassion, loyalty and continued trust in me.

I am so excited to start 2025 with renewed energy and a fresh start. Looking forward to sharing more content here, and to working with you!

Claire x

Did you know Green Mortgages were a thing?! 🍃Some lenders have started to offer a selection of mortgage products with sp...
22/02/2023

Did you know Green Mortgages were a thing?! 🍃

Some lenders have started to offer a selection of mortgage products with special rewards if your property is energy efficient.

Usually you can tell this from your Energy Performance Certificate - lenders are going to want to see a high rating (usually A/B).

There are also options for cheaper interest rates to borrow extra money, if you want to make some energy saving home improvements, such as:

- new boiler
- solar panels
- insulation
- new windows
- electric car charging station

It's great to see lenders making a commitment to sustainability and energy efficiency for our future. 🌍

📧 [email protected]

As the Bank of England announces yet another increase to the base rate today, taking it to the highest level since 2008,...
03/11/2022

As the Bank of England announces yet another increase to the base rate today, taking it to the highest level since 2008, it is no doubt a concerning time for most of us.

Already grappling with increases to fuel costs, energy bills, groceries; the thought of our largest monthly commitment - our mortgage payments - also increasing dramatically is a big worry.

If you don't understand what the rate increase today means for you and your mortgage, please reach out.

I don't promise to have all the answers about what is happening or what the future will bring (I'm not even sure the "experts" know!), but talking things through can help provide some reassurance and some 'real world' data about your own specific circumstances, rather than all the hype and scary big headlines we constantly see in the media.

📧 [email protected]
📞 07588 321211

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Goole

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+447588321211

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