22/10/2026
MARTIN LEWIS’S MORTGAGE TIPS
There’s been lots of conversation about Martin Lewis’s mortgage advice on last night’s show, so I thought I’d share five key takeaways from a professional perspective.
Whether you watched the programme or missed it altogether, here’s what you need to know 👇
🔑 1. Use a mortgage broker
Getting the right advice could potentially save you money, time and hassle. A broker can help you navigate the mortgage market and find a deal suited to your individual circumstances.
📅 2. Plan ahead when remortgaging
Try to diarise your mortgage deal’s end date around six months in advance. This gives you time to explore your options and, where available, secure a new deal before your current one ends.
📈 3. Understand how mortgage rates can change
Mortgage rates don’t always move in line with the Bank of England base rate. Your mortgage broker can explain what’s happening in the market and help you understand how it could affect your options.
💷 4. Your deposit matters
A larger deposit can open up access to more competitive mortgage rates. A broker can compare suitable options and help you look at the overall deal, not just the headline interest rate.
🏡 5. Buying your first home?
You may have more options than you think! An experienced broker can help you understand the lenders’ criteria, explore the mortgages available and work out what’s achievable for your circumstances.
✨ My biggest takeaway? Every mortgage situation is different, and the lowest interest rate doesn’t always mean the best overall deal. And use a broker!!
If you’re looking for a friendly, knowledgeable mortgage expert who’s local to Garforth but happy to help clients across the UK, I’m always here to help.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Smart Mortgage Broker Group LTD under FRN 1052886 is an appointed representative of Fear Financial LTD, which is authorised and regulated by the Financial Conduct Authority under FRN 1012718.
