Pat Flint Mortgages

03/11/2026

Are your children protected?

We know it’s scary to think about your child having a serious illness, but one insurer paid out £804,000 in children’s critical illness claims last year.

The insurer made payouts for 32 children who were diagnosed with a serious illness, with the most common reason being cancer. While it is horrible to imagine this happening to your family, the payouts can provide vital support during distressing times.

Some protection policies include cover for your child, offering you financial assistance if they were diagnosed with a specific illness or suffered a certain injury. In other cases, you would need to purchase this as an add-on. It is therefore important to check your policy terms, so you know when you would be covered.

As with all insurance policies, conditions and exclusions will apply.

Sources:
https://buff.ly/XlRshDS
https://buff.ly/gLcknCG

02/11/2026

Need to remortgage but running out of time?

With so many mortgage options available, it’s easy to feel overwhelmed. But don’t worry—our expertise and advanced tools make the process simple, even if you're short on time. Let us help you find the perfect remortgage deal. Call us today!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

01/11/2026

Martin Lewis helps you understand loan to value (LTV).

31/10/2026

Hear it from those who matter most—our thrilled clients!

Talk to Pat!

30/10/2026

Have you considered the impact on your cash flow if a director, owner, or key employee were to face an unforeseen event?

How would your creditors react?

If one of your directors is a guarantor for company loans, their death or serious illness could severely affect your financial arrangements with creditors and debtors.
Could your company repay its creditors and continue operating if loans were called in?
We help businesses like yours navigate and protect against the financial impact of such unexpected events.

Want to learn more about Key Person Insurance?

Talk to Us Now: 0113 246 4424

As with all insurance policies, conditions and exclusions will apply

29/10/2026

Many parents are under protected

Research shows many parents with children under 18 lack appropriate financial protection, leaving families vulnerable to financial shocks. The survey found that 32% could cover essential expenses for less than three months if income stopped. Major concerns during a year without work include paying household bills (50%) and mortgages or rent (49%). Nearly half (46%) worry about affording food and necessities.

Many parents express concern about providing for their family if income stops. Although taking out protection offers peace of mind, a gap exists between valuing and obtaining it. Over a third (37%) considered income protection upon having children, but only 18% acted on it. Justin Garbutt of Vitality noted the discrepancy between intentions and actions.

Relying on savings instead of a protection policy is risky. Nearly a third (31%) have less than £3,000 saved, which is insufficient for most. An additional financial layer is necessary.

Some (13%) want protection but haven’t acted, while 31% worry about affordability. Consulting a professional adviser can help find a suitable policy. Amidst parenting tasks, securing protection is crucial for reducing future stress if you’re unable to work.

As with all insurance policies, conditions and exclusions will apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Sources:
https://buff.ly/u4VaLZH
https://buff.ly/Ceou81R

28/10/2026

Budget 2026: Key points at a glance

Here’s what you need to know from John Healey’s first Budget, as the chancellor sets out the government’s tax and spending plans.

28/10/2026

Life changes, so why shouldn't your mortgage?

Whether you're earning differently, self-employed, or concerned about credit issues like a CCJ, help is available. Common myths can deter you from remortgaging, but an expert adviser can help find options catered to your unique circumstances. With access to a variety of lenders, tailored mortgage solutions are possible for everyone. Seek expert advice to navigate your options effectively.

Ready to get started?

Speak to Pat today: 0113 246 4424

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

27/10/2026

Getting the price right

Thinking of selling your home? Getting the right asking price is crucial. Here's what to consider:

Market Update
Summer was slow for the housing market, with a 9% annual decline in July sales, largely due to higher mortgage rates adding about £125 to monthly repayments. Despite the uncertain short-term outlook, appropriately priced homes can still attract buyers.

A Buyer’s Market
With increased available homes in eight out of 11 regions, buyers have more options and negotiating power, making competitive pricing essential.

Common Pitfalls
Avoid being overly ambitious with pricing. Base your price on recent sales, not just advertised prices. High initial prices with later adjustments can delay sales. In July, 30% of homes on the market since Q2 remained unsold without price cuts. Savills research shows setting the right price from the start can lead to a sale within 28 days, while one price cut may extend this to over three months, and two cuts to nearly five and a half months.

Know Your Area
Understanding local market conditions is crucial. While 76% of local markets saw a decline in sales from May to July, some areas like Warrington, Hull, and Dundee showed growth. Conversely, Bath, Oxford, and Harrow experienced slower sales. Consult local estate agents for advice on pricing your property type appropriately.

Seek Advice
Planning to move this autumn? Contact us for guidance on what you can afford, ensuring you're well-positioned for your property search.

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

Sources:
https://buff.ly/TmcCHp7
https://buff.ly/EVgbD0e
https://buff.ly/z8hpoiP

26/10/2026

Is it time to remortgage your property?

We specialise in streamlining the remortgaging process, from rate negotiations to paperwork management.

If you are interested in proceeding with us, we are ready to assist you.

Feel free to reach out to us today to explore your remortgaging options.

Contact Pat Flint Mortgages: 0113 246 4424

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE