Woods & Wallace LTD - Mortgage Adviser - Trudie Horwell

19/02/2026

Mortgage rates don’t wait, especially when your fixed rate is coming to an end.
In the UK, leaving your remortgage until the last minute can mean rolling onto your lender’s SVR, where payments are often much higher. Even a small delay could cost thousands of pounds more over the next few years.
Waiting can lead to:
• Higher monthly repayments
• Fewer fixed-rate options available
• Less time to plan if rates move again
The good news? You can usually secure a new rate up to 6 months in advance giving you flexibility and peace of mind while the clock runs down.

📅 Remortgaging isn’t about guessing the market. It’s about having a plan before your deal ends.
Contact the Finance Planning Group today for FREE expert advice on optimising your mortgage and lock in the best rates available. Don't miss out on this opportunity to make your mortgage work for you! 📈

Contact me on 📞 07906 078153
Follow us on our social media channels for more tips on how to get the best out of your mortgage.
(𝙔𝙤𝙪𝙧 𝙝𝙤𝙢𝙚 𝙢𝙖𝙮 𝙗𝙚 𝙧𝙚𝙥𝙤𝙨𝙨𝙚𝙨𝙨𝙚𝙙 𝙞𝙛 𝙮𝙤𝙪 𝙙𝙤 𝙣𝙤𝙩 𝙠𝙚𝙚𝙥 𝙪𝙥 𝙧𝙚𝙥𝙖𝙮𝙢𝙚𝙣𝙩𝙨 𝙤𝙣 𝙮𝙤𝙪𝙧 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚.)

27/11/2025

🏡𝗕𝗨𝗗𝗚𝗘𝗧 𝗦𝗨𝗠𝗠𝗔𝗥𝗬: What It Means for Hinckley Homeowners!
The Chancellor’s Budget has landed! And for our local property market, the real headline is the welcome sense of stability.

𝗦𝘁𝗮𝗺𝗽 𝗗𝘂𝘁𝘆
No changes at all, which is great news. Buyers and sellers can move forward without any last-minute surprises or shifting goalposts.

𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅
Also untouched. The anticipated rises didn’t appear, offering reassurance for landlords and anyone selling a second home.

𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱 𝗧𝗮𝘅 𝗳𝗼𝗿 𝗟𝘁𝗱 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗟𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝘀
One area worth noting is the increase in dividend tax. If your rental properties sit within a limited company, your net income may be affected. It’s a good moment to speak with your accountant and review your strategy.

𝗛𝗶𝗴𝗵-𝗩𝗮𝗹𝘂𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗖𝗼𝘂𝗻𝗰𝗶𝗹 𝗧𝗮𝘅 𝗦𝘂𝗿𝗰𝗵𝗮𝗿𝗴𝗲
A new Council Tax supplement has been confirmed from April 2028 for homes over £2m (with higher bands over £5m). This will impact only a tiny proportion of properties in our area.

𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅
Thresholds are now frozen until 2031. If you’re thinking ahead, it’s sensible to review your estate planning sooner rather than later.

𝗢𝘃𝗲𝗿𝗮𝗹𝗹 𝗦𝘂𝗺𝗺𝗮𝗿𝘆
No shocks, no sudden shifts, and that’s genuinely positive for the market. If you’ve been waiting for the Budget before making a decision the future looks good.😎

looking for more advice on moving?
Get in today!
07906 078153

(𝘛𝘩𝘪𝘯𝘬 𝘤𝘢𝘳𝘦𝘧𝘶𝘭𝘭𝘺 𝘣𝘦𝘧𝘰𝘳𝘦 𝘴𝘦𝘤𝘶𝘳𝘪𝘯𝘨 𝘥𝘦𝘣𝘵 𝘢𝘨𝘢𝘪𝘯𝘴𝘵 𝘺𝘰𝘶𝘳 𝘩𝘰𝘮𝘦. 𝘠𝘰𝘶𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘮𝘢𝘺𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.)

22/09/2025

30/08/2025

(𝘛𝘩𝘪𝘯𝘬 𝘤𝘢𝘳𝘦𝘧𝘶𝘭𝘭𝘺 𝘣𝘦𝘧𝘰𝘳𝘦 𝘴𝘦𝘤𝘶𝘳𝘪𝘯𝘨 𝘥𝘦𝘣𝘵 𝘢𝘨𝘢𝘪𝘯𝘴𝘵 𝘺𝘰𝘶𝘳 𝘩𝘰𝘮𝘦. 𝘠𝘰𝘶𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘮𝘢𝘺𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.)

17/08/2025

🤔𝐀𝐫𝐞 𝐲𝐨𝐮 𝐰𝐨𝐫𝐫𝐢𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐡𝐢𝐠𝐡 𝐝𝐞𝐩𝐨𝐬𝐢𝐭𝐬 𝐚𝐧𝐝 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐚𝐭𝐞𝐬?😖

Before you spend hours trawling the internet looking for information, it’s worth talking to us. Our vast network of trusted providers gives us access to hundreds of mortgages. We can help you find a suitable deal, finding YOU the right mortgage!
With an abundant amount of 5⭐ reviews!...you can trust that you will always receive a friendly, professional service and advice.

📱If you’re looking to buy your first home and need mortgage advice, or are unsure on where to start, why not book an appointment with me today at [email protected] or call me directly on 07906 078 153. 🤩


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

29/07/2025

𝐖𝐡𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐢𝐬 𝐬𝐨 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐰𝐡𝐞𝐧 𝐢𝐭 𝐜𝐨𝐦𝐞𝐬 𝐭𝐨 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?🏠 In a short shot, it’s the only way lenders are able to access how you’ve handled credit in the past, and how your likely to handle credit in the future. A higher credit score could potentially give you more options when it comes to choice of lenders and interest rates, bigger borrowing power and potentially a smoother application when the time comes to apply for your mortgage.

There's a number of free apps out there you are able to download, to give you unlimited access to your credit file. Usually they give you a score, although that scores not used by the lender, it’s a good indication of how the data on your credit file is likely to be transferred and how that lender is going to score you in terms of your credit profile.

Another good thing there are areas that you can improve your credit score, but any changes you make don’t necessarily have an instant impact so they could take a few months for that to trickle through.

If you are unsure where to start, speak to me today!
📞07906 078153 📧[email protected]

(𝘛𝘩𝘪𝘯𝘬 𝘤𝘢𝘳𝘦𝘧𝘶𝘭𝘭𝘺 𝘣𝘦𝘧𝘰𝘳𝘦 𝘴𝘦𝘤𝘶𝘳𝘪𝘯𝘨 𝘥𝘦𝘣𝘵 𝘢𝘨𝘢𝘪𝘯𝘴𝘵 𝘺𝘰𝘶𝘳 𝘩𝘰𝘮𝘦. 𝘠𝘰𝘶𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘮𝘢𝘺𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.)