Michelle Wragg - Mortgage & Protection Advisor

31/03/2025

📣 Stamp Duty Changes from April 1st!

First Time Buyers:

👉 No Stamp Duty on homes up to £300k

👉 For homes between £300k and £500k, you’ll pay 5% on the amount over £300k

👉 For a £500k home, you’ll pay £10k in Stamp Duty

Current Homeowners:

👉 No Stamp Duty up to £125k

👉 Between £125k and £250k, it’s 2%

👉 For a £300k home, Stamp Duty will be £5k

Want to know how it affects you? Get in touch for mortgage advice ☺️

You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

02/03/2025

⭐️ Recommend a friend to me and on completion, you will receive a £50 voucher as a thank you 🎁

So simple ✅🎉

🌟💰 Recommend a Friend Vouchers!💰🌟

Love our mortgage service? Spread the word and reap the rewards! 🎉

Refer a friend to us, and when their mortgage completes, you’ll receive a £50 voucher as a thank you! 🙌💸

It’s simple! Just send your friends our way, and when they get the keys, that voucher is all yours! 🎁✨

Ready to share the savings? Tag your friends below! 👇

07/02/2025

Great news yesterday ! Lowest rate since June 2023.

𝗨𝗞 𝗕𝗮𝘀𝗲 𝗥𝗮𝘁𝗲 𝗱𝗿𝗼𝗽𝘀 𝘁𝗼 𝟰.𝟱%!📉

This is great news for anyone looking to buy a home or remortgage!

What could this mean?

🏠 Lower monthly payments for future rate reductions

💷 With lower rates, you might be able to borrow more, giving you access to a wider range of products

Contact a mortgage broker today for more information! 📱



*your home may be repossessed if you do not keep up repayments on your mortgage*

31/01/2025

Is your Mortgage Rate due to expire soon, take action before it reverts to the standard variable rate! Here’s what a broker can do for you:

- We can look to secure a new product up to 6 months prior to your rate coming to an end.

- Research the Market for available rates that suit your circumstances

- Check what your existing lender can offer

- Monitor the rates and if something better comes along we can make ensure we take advantage of this.

Contact a mortgage broker today to learn more! 📱

07/11/2024

🏦 UK Bank Rate cuts to 4.75%

This is positive news for anyone looking to buy a home or remortgage.

Here’s what it could mean for you:

🏡 Your monthly repayments will be reduced if you’re on a tracker mortgage

💰 With lower rates, you might be able to borrow more, giving you access to a wider range of options

👉 Now is the perfect time to review your mortgage options. Contact me today for personalised advice 😁

You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

19/09/2024

UK Bank Rate Holds at 5% 📣

💡 While there hasn’t been a rate cut today, September has already seen cuts across the mortgage market for those remortgaging.

First time buyers are benefiting from reductions, so it’s safe to say that it’s shaping up to be a positive autumn in the housing market 🏡

If you’re looking to start your journey to homeownership or for those soon to remortgage, I can help you get mortgage ready ☺️



You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

18/09/2024

Inflation remains at 2.2% 📣

Despite inflation not dropping to the Government’s target of 2%, there is still good news 😁 Some lenders have been reducing their rates, making it a great time for people to get mortgage ready 🏡

Whether you are saving for a deposit, comparing rates, or just need some advice, I’m here to help ☺️

📣 Get in touch today for mortgage support.



You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

16/09/2024

🌟 Myth Busting Monday 🌟

If you have selected a fixed rate (whether that be a new fixed rate for one that is due to expire or a remortgage / new purchase that has not yet completed), and the fixed rates with that lender have reduced, you may be able to select a new fixed rate! This however does come with a word of warning ⚠️ Some lenders may require a new credit search or request new documents when selecting a new rate and you could run the risk of the initial offer being withdrawn. I strongly recommend that you seek advice before doing this but it is something that may help 😁

Make sure you speak to a mortgage advisor who is representative of the whole of the market. They can research your options based on your individual circumstances.




* your home may be repossessed if you do not keep up repayments on your mortgage *

05/07/2024

News Desk: Labour wins the UK general election 📣

With the election results in, you might be wondering what this means for your mortgage 🤔

Economic stability could mean reduced interest rates - or, at the very least, consistent rates.

Don’t forget - our expert mortgage advisors are here to guide you through every step of your mortgage journey 🏡

Want to more or speak to an advisor? Get in touch. You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

06/06/2024

Not mortgage related I know but I wanted to wish my youngest daughter Hallie a very happy 7th birthday 🎂 🥳 My mini mortgage advisor in the making 🤣

22/05/2024

📣 News Desk - Inflation has fallen to 2.3%📣

What is happening in the mortgage market right now?

🌟 Some lenders have been increasing their rates and others decreasing them

🌟 A base rate cut is still on the cards for the summer

🌟 Now is the time to ensure you’re mortgage ready, so you’re prepared when the time comes

Whether you’re thinking about rates, deposits or just need some advice, we’re here to help 😁

🚨 Stay tuned for a more in-depth look at the inflation figures and what they mean to you!



Please feel free to give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]

13/05/2024

🌟 Myth Busting Monday 🌟

The majority of mortgage lenders are a lot more open to maternity/paternity leave than some may think. They do not discriminate and you will likely still be able to borrow based on your return to work salary rather than your maternity/paternity pay 😊

The lender will usually require confirmation from your employer to ascertain your return to work salary and your likely return to work date 👍 However any future childcare costs will also be taken into consideration when assessing affordability 👧

Make sure you speak to a mortgage advisor who is representative of the whole of the market. They can research your options based on your individual circumstances.




* your home may be repossessed if you do not keep up repayments on your mortgage *