Katie Scorey - Mortgage, Protection, Equity Release

02/06/2026

https://theintermediary.co.uk/2026/05/half-of-ftbs-unaware-they-could-borrow-up-to-40000-more-mab/?fbclid=IwdGRjcASMGc5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeWHCd9Ez9casVgf16IuuunNDFwcP8m1GUdjLcEJMeLIBxJrDXchgvV1aBrLE_aem_CEYlIP-PmFGOjPnacGYUMw

Many FTBs are spending years saving for a deposit but are still underestimating how much they could borrow, research from MAB found.

24/03/2026

Below is a really good article to explain why we are seeing mortgage rates increase at the moment and what is causing this!

https://www.theguardian.com/lifeandstyle/2026/mar/19/why-mortgage-rates-going-up-bank-of-england-base-rate-same?fbclid=IwZnRzaAQvgzBleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe1zM1hSQReNEEqSJnHtec47XLEzBSwbLPAY3Jr8CCobCB7RwpWv_z9nuxkSM_aem_eSV8Qk00RNbpIDuPATCDiw

To understand this you need to know about swap rates and the impact of the war in Iran

06/11/2025

https://www.telegraph.co.uk/business/2025/11/06/interest-rates-bank-of-england-uk-ftse-100-markets/

The Bank of England has kept interest rates on hold weeks before Rachel Reeves is expected to raise taxes in the Budget.

30/10/2025

https://www.introducertoday.co.uk/article/2025/10/what-the-experts-think-will-happen-to-mortgage-rates-over-the-coming-months/

The UK property market has been in a holding pattern for much of 2025. Many buyers are reluctant to commit amid uncertainty, waiting for clearer signals on borrowing costs. So, what do the experts think will happen to mortgage rates? Let’s dip into their forecasting – drawn from macro trends, Ba...

13/08/2025

https://www.msn.com/en-gb/money/other/some-nationwide-customers-set-for-borrowing-boosts-under-new-rules/ar-AA1KpT2n?ocid=entnewsntp&pc=DCTS&cvid=689c8e00dbae4df39dfa30a33002ab11&ei=11

Good News for those looking to borrow more on their remortgage!

Nationwide has changed a key rule

01/08/2025

Renting and want to buy your own home 🏡

Did you know there is an option to buy with NO DEPOSIT 💵!!!!!

Who can apply;

👍 Haven’t owned a property in the UK 🇬🇧 in the last 3 years
👍 You are aged 21 or over
👍 No missed payments on debts/credit commitments in the last 6 months
👍 You want to borrow up to £600,000
👍 you are not looking to buy a property in Northern Ireland

Sole applicant:
🌟 You have paid all the rent for 12 months in a row, within the last 18 months, may also want to see proof of payments for household bills.

Joint applicants:
🌟 You can prove that all rent has been paid by one applicant or collectively for 12 months in a row, within the last 18 months
🌟 said you have been renting separately, you can prove that you have paid all your rent
🌟 In either case lender may also want to seee proof of household bills.

You could lose your home if you don’t keep up your mortgage repayments.

17/07/2025

https://www.rightmove.co.uk/properties/164397800 #/?channel=RES_BUY

🏡 How much would this property cost per month and what income would you need for this mortgage?

Spotted this 2 bedroom house located in Helston on Rightmove, listed at £215,000
Here’s an example breakdown based on today’s rates (17/07/2025).
🔹 Purchase Price: £215,000
🔹 Deposit (10%): £21,500
🔹 Mortgage Required: £193,500
🔹 Estimated Monthly Repayment: £868.66 (based on a 5-year fixed rate at 4.49% over 40 years APRC 6.20% )
🔹 Product details: No Arrangement fee, and cashback of £500!

Please note:
This is for a first-time buyer, based on a repayment mortgage, assuming a strong credit score and enhanced affordability fixed for 5 years.

Sole applicant with no liabilities or dependents earning an employed income of £32,500 with £50 travel costs per month could potentially borrow the amount needed for the above scenario!

Rates, repayments and affordability will vary depending on your personal circumstances and market conditions.
📌 This example is for illustrative purposes only and does not constitute financial advice. Product availability, rates and affordability are subject to change. Speak to a qualified adviser for tailored advice.

2 bedroom end of terrace house for sale in Ideal first home, Helston, TR13 for £215,000. Marketed by Mather Partnership, Helston

24/06/2025

Finding your first mortgage can be a real struggle.

But it doesn’t have to be. We can make the process seamless for you, finding the most suitable option and guiding you through.

Get in touch!

We’re professionals and we understand the market. We have the right tools and have access to exclusive mortgage products.

Contact us today to find the most suitable solution for you.

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

Approver Quilter Wealth Limited, Quilter Financial Limited, Quilter Financial Services Limited & Quilter Mortgage Planning Limited. Quilter Financial Planning Solutions Limited. September 2024

11/09/2024

Average weekly earnings in the three months to July were 5.1% higher than a year earlier, according to the Office for National Statistics.

10/09/2024

Mortgage rate cuts are being announced on almost a daily basis as lenders continue to reprice their home loan deals.