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Ian Wilson The Mortgage Store

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Ian Wilson The Mortgage Store

Buying a home is probably the biggest purchase you’ll ever make, so it’s important you understand how mortgages work. We understand that your home is precious.

🏡 Making mortgages simple
🙌 Over 1,000 mortgages & insurances
💰Best rates from whole of market
💡Over 28+ years of experience
📲 F2F, virtual or phone
📍Kettering, Northamptonshire based The number of options available to you can be overwhelming, so you need to take time to consider which one is right for you. At The Mortgage store, you will find information on over 1,000 mortgages. That’s why choosing the right mortgage is so important. We are experts in finding the most suitable mortgage for your needs and have over 25 years experience. Some of the unique tips and tricks that we have acquired over the years help to set us apart from other advisors. Call us now on 01536 310220 totalk to one of our experts.

29/10/2026

🏡 Think you’ve worked out how much you can afford to spend on a house? Don’t forget about the hidden costs! 👀💰

When buying a home, it’s easy to focus on your deposit and monthly mortgage repayments. But there are plenty of other expenses you need to factor into your budget, both before AND after you get the keys!

🔑 During the buying process:
🏡 Solicitor and conveyancing fees
🏡 Property surveys
🏡 Mortgage broker fees (where applicable)
🏡 Stamp Duty (if applicable)
🏡 Moving costs

💷 Once you’ve moved in:
🏡 Council Tax
🏡 Gas, electricity and water bills
🏡 Buildings and contents insurance
🏡 Income protection and other mortgage protection policies
🏡 General home maintenance and unexpected repairs

And while some of these might seem like small additional expenses, they can quickly add up!

That’s why Ian always encourages buyers to look at the bigger picture when working out what they can comfortably afford. It’s not just about whether you can afford the mortgage repayment, but whether you can afford everything that comes with owning a home.

Thinking about buying? Get in touch with Ian to understand your mortgage options and start planning your budget 🙌

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Costs vary depending on the property, location and individual circumstances. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

buying a house | home buying process | ftb | first-time buyer | mortgage advisor Kettering | help getting a mortgage

22/10/2026

🏡 Is your mortgage deal coming to an end in the next 6 months? Then it’s time to have a chat with Ian!

Previously, Ian would recommend reviewing your mortgage options around 4 months before your current deal ends. But with the way the market is moving, his advice now is to start looking 6 months in advance.

Here’s why 👇

🔑 Some lenders will allow you to secure a new mortgage deal up to 6 months before your current one expires.

🏦 Shopping around could mean finding a better deal with a different lender, rather than automatically staying with your current one.

📉 And here’s the best bit… securing a rate now doesn’t necessarily mean you’re stuck with it!

If mortgage rates fall before your new deal starts, Ian can review your options again and, where possible, help you switch to a more competitive rate.

It’s about getting ahead of the game, giving yourself more options and having peace of mind that you’ve got a deal lined up, without missing out if the market improves.

So, if your mortgage is due for renewal in the next 6 months, don’t leave it until the last minute. Get in touch with Ian and start exploring your options! 🙌

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. The ability to secure or change a mortgage deal before it starts depends on lender criteria, product availability and individual circumstances. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Kettering mortgage advisor | mortgage broke Northampton | remortgaging | securing a mortgage rate | mortgage help

16/10/2026

Because buying a home is about so much more than bricks, mortar and monthly repayments. 🏡🤍

It’s about all the little moments that turn a house into a home. The memories you’ll make, the milestones you’ll celebrate and the life you’ll build along the way.

After nearly three decades of helping people onto the property ladder, Ian knows that behind every mortgage application is someone’s next big chapter.

And being able to play a small part in making that happen is what makes the job so rewarding. 🔑

Whether it’s your first home, your forever home or somewhere to start a new chapter, we’re here to help you make it happen.

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Mortgage broker Kettering | buying a house | making a home | mortgage help Wellingborough | mortgage advisor | quote

14/10/2026

🏡 You’ve protected your home with a mortgage… but have you protected your mortgage?

According to recent research from MetLife UK, 2 in 5 UK homeowners (39%) have no mortgage protection in place to help cover their repayments if they find themselves unable to work.

And even more surprisingly…

❓ 28% aren’t sure whether they have protection in place.
❓ 12% didn’t even know mortgage protection existed.

When taking out a mortgage, it’s easy to focus on interest rates, monthly repayments and getting those all-important keys. But what happens if life takes an unexpected turn?

That’s why, here at The Mortgage Store, we don’t just help you find the right mortgage. We can also help you explore protection options, including:

💙 Life Insurance – Providing financial support to your loved ones if you pass away.

💙 Income Protection – Helping replace a portion of your income if illness or injury leaves you unable to work.

💙 Critical Illness Cover – Providing a lump sum if you’re diagnosed with a specified serious illness covered by your policy.

Whether you’re taking out your first mortgage, remortgaging or simply haven’t reviewed your existing cover in a while, Ian can help you understand what protection might be right for you.

Because getting the keys is one thing… making sure you can keep your home if life doesn’t go to plan is just as important.

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Insurance policies are subject to individual terms, conditions, eligibility and exclusions. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Mortgage news | mortgage data | buying a home | home protection | mortgage advice Kettering | mortgage broker UK

08/10/2026

🏡 First-time buyers… could a 2.5% deposit help you get on the property ladder?

The Government has announced a new scheme called Your First Home, designed to help first-time buyers purchase a new-build property in England.

Here’s what we know so far 👇

🔑 Deposits are expected to start from just 2.5%

🏡 It will be available to first-time buyers

🏗️ It will apply to new-build properties purchased from developers signed up to the scheme

💰 The Government will provide a 20% equity loan

📉 The equity loan will have an initial interest-free period, although we don’t yet know how long that will last

There will also be household income and local property price caps, with those limits yet to be announced.

There are still plenty of details we need to know before we can understand exactly who will qualify and how the scheme will work in practice.

We’re expecting to find out much more at the Autumn Budget on 28 October, and as soon as we do, Ian will be back to explain exactly what it means for first-time buyers.

For now, watch the video for Ian’s take on what we know so far! 👆

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: Your First Home has been announced but the full scheme details, eligibility criteria and implementation timeline have not yet been confirmed and may be subject to change. This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Ftb | help to buy | your first home scheme | buying a house | deposit for a house | saving a deposit | mortgage news

05/10/2026

🏡 What are the best mortgage rates on the market right now?

Ian’s back with his latest rate roundup, looking at some of the most competitive deals currently available at:

💰 75% LTV
💰 85% LTV
💰 95% LTV

Whether you’ve got a 25%, 15% or 5% deposit, Ian talks through what rates are currently looking like and some of the lenders offering the most competitive deals.

Mortgage rates can change quickly, so if you’re buying a home or coming to the end of your current mortgage deal, it’s always worth finding out exactly what’s available based on your circumstances.

And remember, the lowest interest rate doesn’t necessarily mean the best mortgage. Fees, lending criteria and your individual circumstances all need to be taken into account too.

Watch Ian’s latest update for the full rundown 👆

📅 Rates accurate as of 2 October 2026 and subject to change.

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

02/10/2026

🏡 The Mortgage Minute is back!

Ian’s here with another quick roundup of some of the biggest headlines from the mortgage and housing world this month.

🏦 The Bank of England has held the base rate at 3.75% again, although there’s growing discussion around whether we could see rates rise before the end of the year.

🔑 The Government has been discussing a potential ‘Your First Home’ buying scheme aimed at helping first-time buyers purchase new-build homes. We’ll hopefully hear more about what this could look like in the upcoming Budget on 28 October.

☂️ New research suggests 2 in 5 UK homeowners don’t have mortgage protection in place, highlighting the importance of thinking about how your mortgage would be covered if your circumstances unexpectedly changed.

Plus, Ian has plenty more updates from across the mortgage market to bring you up to speed.

Grab a cuppa and catch up on the latest Mortgage Minute ☕️🏡

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Government proposals may be subject to change. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Mortgage news | mortgage advisor Kettering | mortgage update October | buying a home | first-time buyer

29/09/2026

Need an Agreement in Principle but don’t have time to come in and see Ian? 🏡💻

There’s a handy tool on The Mortgage Store website that lets you get the process started online, whenever suits you.

Simply fill in the Agreement in Principle form with all the required details and send it across to Ian. He’ll review everything and, subject to the relevant checks and criteria, can get your Agreement in Principle sorted.

Then comes the exciting part… 👀

🏡 Start your property search
🔑 Find the one
🤝 Make an offer
✅ Offer accepted
📝 Turn your Agreement in Principle into a full mortgage application

It’s a quick and convenient option if you’ve got all your information to hand but don’t necessarily have time for a face-to-face appointment.

Ready to start house hunting? Head to Ian’s website to get started ⬇️

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. An Agreement in Principle is not a guarantee of a mortgage offer and remains subject to lender criteria, affordability checks and a full application. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

mortgage agreement in principle | mortgage help Kettering | getting a mortgage | AIP | mortgage advisor | buying a house

23/09/2026

Can you still have a mortgage when you retire? 🏡🤔

The short answer is: yes! Getting closer to retirement doesn’t necessarily mean your mortgage options disappear.

Mortgage terms can extend up to 40 years, and depending on your circumstances and the lender, it may be possible to have a mortgage running to age 70, or even 75.

The important thing is that different lenders assess later-life borrowing differently. Some may look at your current earned income, while others will consider your expected pension or retirement income when working out affordability.

So if you’re approaching retirement, already retired, or worried that your age might limit your mortgage options, don’t automatically assume it’s a no.

Ian can look at your individual circumstances and search across the market to find lenders whose criteria best suit your situation.

Watch the video for Ian’s full explanation 👆🏡

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Maximum mortgage terms, age limits and affordability criteria vary by lender and individual circumstances. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

getting a mortgage when older | mortgage during retirement | borrowing money in later life | mortgage advice Kettering

18/09/2026

Buying a house and keep hearing the words ‘exchange’ and ‘completion’… but not entirely sure what the difference is? 🏡🔑

They’re two very important milestones in the home-buying process, but they’re definitely not the same thing!

📝 Exchange of contracts is when the sale becomes legally binding. Contracts are exchanged between solicitors, the completion date is agreed and you’re officially committed to the purchase.

🔑 Completion is the exciting bit! The remaining funds are transferred, ownership of the property passes to you and you can finally collect the keys to your new home.

Sometimes there can be days or even weeks between the two – although in some cases, exchange and completion can happen on the same day.

Ian explains exactly what happens at each stage in this video, so save this one if you’re currently buying your first home! 🙌

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial or legal advice. Always speak to a qualified advisor and solicitor/conveyancer before making financial or legal decisions. Your home may be at risk if you do not keep up with mortgage repayments.

ftb | first time buyer | mortgage help | understanding mortgage terms | Kettering mortgage advisor | UK mortgage support

Address

30 Speight Crescent
Kettering
NN156FL

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 2pm

Website

http://www.ianwilsonmortgagestore.co.uk/

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