Plura Mortgage Advice

26/07/2026

WHAT DOES THE BANK OF ENGLAND BASE RATE MEAN FOR ME⁉️🤨

The Bank of England base rate is a leading indicator for all borrowing & savings interest rates here in the UK

Generally, the higher the Bank of England base rate, the more expensive it is to borrow money… but higher interest rates benefit those with large amounts of savings

HOWEVER 👇🏻

The base rate IS NOT the only factor. As you can see from our history table, the Bank of England haven’t raised the base rate since August 2023… and in fact, it’s been held the same, or coming DOWN ever since that date

SO WHY HAVEN’T RATES FALLEN EVER SINCE THAT DATE AS WELL⁉️🤔

Beyond the base rate other factors including swap rates (which we won’t get into today) and market sentiment play a big role in available interest rates in the market, amongst other things…

For example this year we’ve seen a lot of variance in interest rates due to the War in Iran. When wars happen, market sentiment changes from positivity, to an outlook of uncertainty & hesitation. Uncertainty & hesitation cause fear of the future… and when lenders have fear that the future market outlook is bleak, they start to price in potential future interest rate increases almost immediately

So while the Bank of England have held strong this year, and tried to remain calm, avoiding tinkering too much with the UK Base rate… lenders have been changing pricing regularly to reflect sentiment in the market at that time

Geopolitical uncertainty is almost always bad for business when it comes to mortgage interest rates 📈

So let’s hope things settle down, the war in Iran comes to an end, and we can get back to the January 2026 outlook… which was extraordinarily positive!

19/06/2026

Delighted to have reached our £3,000 fundraising target, and to do our small part for a local charity doing amazing work in our community!

Not in a hurry to run another marathon though… 😰😂

A huge thank you to Dec, Founder and Director of Plura Mortgage Advice Limited, who has raised an incredible £3,540 for The Kirkwood after completing the Edinburgh Marathon last month.

Dec's fantastic achievement has generated £3,000 in sponsorship, plus an additional £540 through Gift Aid, helping us to continue providing specialist care and support to local people and their families across Kirklees.

It was wonderful to welcome Dec to The Kirkwood recently, where members of our clinical team had the opportunity to personally thank him for his outstanding support and dedication.

Dec's fundraising is a brilliant example of a local business owner going the extra mile to support local people through their local hospice.

Thank you Dec, and congratulations on an incredible marathon achievement!

20/05/2026

WELCOME TO THE TEAM, SIS! 😁🙌🏻

Really excited to announce that Plura is growing, adding Amy to the team as our second Adviser! 🙌🏻🚀

Now a small team of 3, Amy joins Kath & I to support our clients with their Mortgage & Insurqnce needs, having started in the office this week 🏡

As you might have already guessed… Amy is my big sister, making her a seamless fit, unlike my shorts on that the second image 😂😂😂😂

Amy will be supporting both new and existing customers moving forwards & we’re excited to have her on board!

Please join me in Welcoming Amy to Plura! 😁🏡

25/02/2026

CAN I CHAGE MY INTEREST RATE, EVEN AFTER I’VE GOT MY MORTGAGE OFFER❓⁉️

The short answer is yes!

Once we apply for a mortgage on your behalf and a mortgage offer is issued, most lenders allow your advisor to CHANGE the product if a new, lower interest rate becomes available 😁📉

If you’re receiving advice and aren’t aware of this, or your advisor isn’t regularly acknowledging that they’re checking your rate, keeping you updated… you might want to ask them about this 💡

Most mortgage offers last for 6 months, so starting early is always advised. This will mean you can secure a rate early… so if rates go up, you’re protected on the rate you applied for…

but if rates come down… your advisor can switch you to the lower rate, saving you £££ 🙌🏻🏡

We have countless examples of doing this for customers over the years, and it can make a HUGE difference ✅💷

YOUR HOME MAY BE REPOSSESSED IF YOU DONT KEEP UP REPAYMENTS ON YOUR MORTGAGE

*not all lenders allow your rate to be switched between offer and completion of your mortgage

**images of rates used in this video are illustrative only & are not accurate current mortgage interest rates

30/01/2026

WE WON 🥳

For the second year in a row, I’ve been awarded the top advisor award for Overall Case Quality in the North East & Yorkshire Region, for Mortgage & Protection Advice 😄🚀

With 164 firms & over 400 advisors in our region, it’s a massive success which reaffirms our commitment to taking the time to get to know our clients, and provide advice that is tailored to your unique, individual needs.

When I started Plura in 2023, the goal was to spend time getting to know everyone I work with personally, so I can provide honest, thoughtful advice based on what I’ve come to learn about you, and what’s most important to you and your family 🏡🧑‍🧑‍🧒‍🧒

A different approach to advice. Never a transaction, and ALWAYS a relationship 🤝

The Overall Case quality award recognises the mission of the business, and shows that relationships really do matter

I’ll never be the advisor submitting the most business in my mortgage network, and I’m ok with that. A fun business to run, is a business where you like who you work with, and get the privilege of being a part of their lives, for the long run!

So here’s to many more years of growth, together. Thanks for your continued support 😄🙌🏻

25/01/2026

🚨 FUNDRAISER FOR KIRKWOOD HOSPICE 🚨

This year, in May, I’ve decided to run my first ever Marathon, and to do some good while taking this challenge on, I’ve decided to run it to raise much needed money for

As you can see by my face in the picture… I’m not looking forward to it 😅😂

… But to get the fundraising started, I’ve donated £500 from my business to show my commitment to achieving my ambitious goal of raising £3,000 to help Kirkwood continue to support our local community… a goal I have no chance of reaching without your help!

So I’m writing this to ask for your support. I’d be extremely grateful if you’d consider sponsoring me on this journey. No contribution is too small, and every bit helps. Your support would not only mean the world to me, but it would also help make a small difference in the lives of the thousands of people The Kirkwood hospice continue to support in our community every year ❤️🙌🏻

LINK TO SPONSOR IS IN MY BIO

Thanks,
Dec 🏃🏻‍♂️

26/12/2025

MERRY CHRISTMAS & A HAPPY NEW YEAR! 🎄🎅😃

… Yes, I’m a day late 🫣 but yesterday I was busy celebrating with family, just as I hope you all were too!

Thanks for following along this year. More content coming in 2026 🎬🍿

See you all soon 😁🙌🏻

24/12/2025

CHRISTMAS COMPETITION WINNER 🥳🎄🎅

Congratulations to who takes home the prize this year! Swipe to see the draw 👉🏻

Please check your private messages to claim your cash prize and give us your charity of choice 📥

Thanks to all those who entered & for all of your support this year. This years competition was our most popular competition yet… and all for a great cause 😄🙌🏻

£100 to Vicky ✅
£100 to a Charity of Vicky’s choosing ✅
£100 to ✅

I hope 2026 brings some great times for you all!

MERRY CHRISTMAS & A HAPPY NEW YEAR 🎄🙌🏻

21/12/2025

CHRISTMAS COMPETITION - YEAR 3‼️🎁🎄

2025… What a year it’s been!🎅

To say thank you for your support this year, to one lucky winner, we’re giving away:

1️⃣ £100 Cash Prize Money
2️⃣ £100 Charitable donation to a Charity of your choosing
3️⃣ AND… £100 Donation to Kirkwood Hospice as part of our commitment to support our local community

To enter the competition you must:

✅ Follow (Instagram entries) OR Plura Mortgage Advice (Facebook entries) AND like this post
✅ Share this post on your story & tag us
✅ Tag 3 friends in the comments of this post

Terms & Conditions:

· Opening Date: December 21st

· Closing Date: December 24th @ 12:00pm (noon)

· 1 Prize Available: £100 cash prize & £100 charitable donation to one winner only. We will also donate £100 to our chosen charity (Kirkwood Hospice)

· Winners will be announced on December 24th. The winner will have Until December 31st @ noon to respond to our message with their payment/contact details & charity of choice or a new winner will be selected.

· Each Person will only be entered into the draw once if they meet the 3 entry requirements. Nobody can enter more than once.

· There is no cash alternative to the charitable donation.

I feel incredibly grateful for all the support my followers, clients, friends & family show me. Thank you again for being apart of the Plura family. Here’s to more Dec talking mortgages in 2026!

Have a fantastic Christmas and a Happy New Year 🙌🏻🎅

04/12/2025

CLIENT FEEDBACK ✅🚀

The start of Becca & Brenden’s journey into home ownership, and the start of our journey together, supporting them for many years to come.

Never a transaction, always a relationship… Mortgage Advice, for life!

Thanks for the lovely review Becca 😄🙌🏻