Ian Wilson The Mortgage Store

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 choosi

ng 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.

When people think about buying a house, they usually focus on saving for the deposit.But the deposit is only one piece o...
23/06/2026

When people think about buying a house, they usually focus on saving for the deposit.

But the deposit is only one piece of the puzzle 🏡

There are a number of additional costs that can catch buyers out, including solicitor fees, surveys, insurance, moving costs and even furnishing your new home.

The good news? ⬇️
Most of these costs can be planned for in advance.

That’s why one of the first things Ian discusses with clients is not just how much they can borrow, but what the full cost of buying a property is likely to look like.

Swipe through to see some of the most commonly overlooked costs ➡️

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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.

Hidden costs | buying a house | price of buying a house in the UK | mortgage help | mortgage advice Kettering | ftb

18/06/2026

🎄 Yes, we know… it’s only summer and Ian’s already mentioned the C-word! 😅

But if your goal is to be settled into a new home before Christmas, now really is the time to start planning.

Buying a property isn’t just about finding the right house. First you’ll need a mortgage agreed in principle, then you’ll need to find a property, have an offer accepted, submit your full mortgage application, receive your mortgage offer and finally exchange and complete.

In the current market, that process can take anywhere from 3–5 months, sometimes longer if there’s a chain involved.

So while Christmas might feel a long way off, the buyers who are unpacking in their new homes by December are often the ones who started planning in the summer 🏡✨

If moving house is on your 2026 to-do list, why not start the conversation now?

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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.

Buying a house | house hunting | mortgage advice | UK mortgage advisor | Ian wilson the mortgage store

Good news for anyone considering a move, remortgage or first home purchase 🏡According to the latest figures from Moneyfa...
16/06/2026

Good news for anyone considering a move, remortgage or first home purchase 🏡

According to the latest figures from Moneyfacts, borrowers now have access to over 7,100 mortgage products, with almost 350 more deals available compared to the start of May.

There has also been an increase in low-deposit mortgages, with more options becoming available for buyers with just a 5% deposit.

After a period of uncertainty that saw many lenders withdraw products, the mortgage market appears to be stabilising, giving borrowers more choice and helping lenders compete for business.

If you’re thinking about buying, moving or remortgaging, now could be a great time to explore what’s available.

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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 news | UK mortgage market | Kettering mortgage broker | buying a house Northamptonshire | mortgage lenders

15/06/2026

🏡 Could a tracker mortgage save you money right now?

With the Bank of England base rate currently at 3.75%, some tracker mortgages are available at just 0.21% above base rate, meaning rates as low as 3.96% are available for some borrowers 👀

That’s around 1% lower than many fixed-rate deals currently on the market.

Another benefit? On the right tracker product, you can often switch to a fixed-rate mortgage later without paying an early repayment charge, giving you flexibility if rates change in the future.

Of course, tracker rates can move up as well as down, which is why it’s important to understand the pros and cons before making a decision.

Ian explains everything you need to know in this video and whether a tracker mortgage could be right for you 👇

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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.

*data accurate as of 10 June 2026

Tracker rate mortgage | mortgage rates | Kettering mortgage advisor | mortgage news | buying a house | homeowner

11/06/2026

Here’s Ian with the latest updates from the UK mortgage market, with the ever popular The Mortgage Minute ⏱️

Key updates this month:
🏠 Interest rates have reduced further in the last month and are continue to head in the right direction
🏠 If you’re lucky enough to have a 25% deposit right now you can get rates as low as 4.54% with Santander
🏠 There are now over 7,000 mortgage options available on the market, the highest it’s been for a few months, so a great time to secure a good deal
🏠 The next Bank of England meeting in on 18 June, it’s expected the base rate will hold at 3.75%

Overall, the market is looking positive, with more options available and slightly lower rates, making this the perfect time to secure a deal.

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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.

*figures accurate as of 10 June 2026

Mortgage news | mortgage updates | Ian Wilson mortgage advisor | the mortgage store Kettering | house buying

The mortgage market could be about to become more accessible for thousands of borrowers 🏡The Financial Conduct Authority...
10/06/2026

The mortgage market could be about to become more accessible for thousands of borrowers 🏡

The Financial Conduct Authority (FCA) has announced proposals that could give lenders greater flexibility when assessing mortgage applications.

The changes are designed to help groups who have traditionally found it harder to secure a mortgage, including:

✔️ First-time buyers
✔️ Self-employed applicants
✔️ Older borrowers
✔️ Those with minor historic credit issues
✔️ People with more complex income arrangements

Rather than relying solely on rigid lending criteria, lenders could be encouraged to look more closely at an applicant’s overall financial position and current circumstances.

Importantly, this isn’t about relaxing standards or encouraging irresponsible borrowing. The FCA has stressed that consumer protections would remain in place, with the aim of helping people who can afford a mortgage access products that better reflect how people live and work today.

While these proposals are still under consultation, they signal a positive shift towards a more flexible mortgage market in the future - and we’re here for that!! 👏

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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 news | ftb | buying a house if you’re self-employed | FCA news | mortgage lenders | Kettering mortgage advisor

09/06/2026

Saving for a deposit can feel like a huge challenge, but it often starts with a few simple habits 💰🏡

In this video, Ian shares four practical tips to help you get closer to your homeownership goal:

✔️ Know your target – remember to budget for legal fees, surveys and moving costs, not just the deposit itself.
✔️ Separate your savings – consider a dedicated savings account or a Lifetime ISA to help keep your house fund on track.
✔️ Watch the little spends – coffees, subscriptions and meal deals can soon add up over time.
✔️ Boost your pot where you can – tax refunds, bonuses and cash gifts can all help you reach your goal sooner.

The good news? Small, consistent steps can make a bigger difference than you think.

If you’re planning to buy in the next year or two, Ian can also help you understand how much deposit you’ll need and what you could potentially borrow, giving you a clear savings target to work towards.

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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 tips | tips for saving for a deposit | money saving tips | buying a house | fab | first-time buyer | house deposit help

🏡 Monthly Mortgage Recap: MayIt has been another busy month in the mortgage market, with lenders continuing to adjust ra...
05/06/2026

🏡 Monthly Mortgage Recap: May

It has been another busy month in the mortgage market, with lenders continuing to adjust rates, house prices showing resilience and remortgage activity remaining strong.

Some of the biggest talking points this month include:

📉 More mortgage rates dropping below 5%
🏠 House prices rising by 1.2% according to Rightmove
🔄 Remortgage applications increasing by 46% year-on-year
💷 Lloyds launching a new £5,000 deposit mortgage for first-time buyers
⚠️ Ongoing global uncertainty continuing to influence mortgage pricing

The market is changing all the time, which is why getting advice early can often give you more options and more flexibility.

Swipe through for this month’s key updates ➡️

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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 news | mortgage updates | UK mortgage broker | Kettering mortgage advisor | understanding mortgages

04/06/2026

Fixed rate or tracker rate? 🤔🏡

It’s a question we’re being asked more and more at the moment, especially as some tracker rates are currently coming in lower than fixed rates.

For example, Ian recently compared a fixed rate of 4.63% with Nationwide against a tracker rate of 3.96% with Barclays. While tracker rates move in line with the Bank of England base rate, they can offer lower monthly payments initially and often come with the flexibility to switch onto a fixed rate later if you choose to.

That’s one of the reasons many borrowers are currently considering tracker products as part of their mortgage strategy.

The important thing to remember is that there isn’t a one-size-fits-all answer. The right option depends on your circumstances, your attitude to risk and your future plans.

That’s where independent mortgage advice can make a real difference. Rather than looking at one lender’s products, Ian can help you understand the options available and find a mortgage that’s suitable for your individual situation.

Watch the video to hear Ian explain the pros and cons of each 🙌

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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.

*Rates accurate as of 13 May 2026

Fixed rate vs tracker rate | mortgage rates | bets mortgage lenders | best mortgage rate | mortgage help Kettering

More people are taking steps towards homeownership 📈🏡According to the latest figures from the Bank of England, mortgage ...
03/06/2026

More people are taking steps towards homeownership 📈🏡

According to the latest figures from the Bank of England, mortgage approvals for house purchases reached 65,945 in April - the highest level seen in over 15 months.

What’s particularly encouraging is that approvals increased despite recent uncertainty around interest rates and the wider economy.

💡 What does this mean?

It suggests that many buyers are still feeling confident about moving forward with their plans, whether that’s purchasing their first home, moving house or securing a new mortgage deal.

While headlines can make it tempting to wait for the “perfect” time to buy, the reality is that everyone’s circumstances are different. The best time to start exploring your options is when you’re financially ready.

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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 approval | mortgage offer | housing market | buying a house | mortgage news | mortgage advisor Kettering | homebuyer

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