Simon Ward - Boxed Mortgages

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Simon Ward - Boxed Mortgages With access to 1000s of mortgage deals we can provide exclusive deals as well as bespoke advice. We know that mortgages and protection aren't one-size-fits-all.

Boxed Mortgages is a friendly, dedicated mortgage and protection brokerage, committed to making your journey as simple and stress-free as possible. That's why we think outside the box, tailoring our advice to suit your circumstances, goals and future plans. Whether you're buying your first home, moving house, remortgaging or protecting what matters most, we'll guide you every step of the way, wrapping everything into a seamless, personalised service. With access to a comprehensive range of lenders and thousands of mortgage products, we take the time to search for a solution that's right for you and your individual needs. Based in Lincoln and supporting clients across the UK, we offer flexible appointments by video call, telephone or in person. Whether you'd prefer to meet in a cosy café, at home or at another convenient location, we'll work around your schedule. At Boxed Mortgages, we're passionate about building lasting relationships through honest advice, exceptional service and clear communication from start to finish.

05/10/2026

Borrowers Admit to Missing Mortgage Payments: What would happen to your mortgage if illness or injury stopped you working? 🏡

A recent survey found that more than 1 in 4 mortgage holders have missed a mortgage payment because of illness or injury, with 7% missing payments more than once.

Younger borrowers appear particularly vulnerable, with half of Gen Z mortgage holders saying they had missed payments following illness or injury.

When faced with financial pressure, 34% would turn to family and 24% would rely on their partner, while just 17% would turn to insurance. Even more concerning, 10% said they would have nowhere to turn for support.

Unexpected health shocks can have a serious impact on household finances, which is why understanding your protection options could be an important part of your financial planning. 📦

At Boxed Mortgages, we can help you understand the different types of protection available and explore suitable options based on your circumstances, helping you make sure you have considered what could happen if life doesn’t go to plan.

👉 Read the full blog on our website to find out more.

💬 Have you reviewed your protection recently? Get in touch for a friendly chat and let’s make sure you’re ticking the right boxes. 📦

📲 Follow Boxed Mortgages for more mortgage advice, protection guidance and useful financial insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

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

Source:

https://www.actuarialpost.co.uk/article/health-shocks-leave-1-in-4-unable-to-pay-their-mortgage-26796.htm

30/09/2026

Don’t Go Without Protection: If your income stopped tomorrow, how long could your household cope? 👀💷

A recent LV report highlights just how many UK workers are living without financial protection.

📊 43% of UK workers have no protection in place, while 49% of UK households could survive for just three months or less without an income.

For the self employed, the situation can be even more challenging. Only 1 in 10 have income protection, while 18% said they would need to continue working if they became ill or injured.

Protection also needs reviewing as life changes. Nearly 1 in 5 workers had experienced a change in circumstances without telling their insurer, potentially leaving them with too much or too little cover.

No one knows what the future holds, but having appropriate protection could provide a valuable financial safety net when life doesn’t go to plan. 🛡️

💬 When did you last review your protection? At Boxed Mortgages, we can help you understand your protection options and consider whether your existing cover still fits your circumstances. Get in touch for a friendly chat and let’s make sure you’re ticking the right boxes. 📦

📲 Follow Boxed Mortgages for more mortgage advice, protection guidance and useful financial insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Source:

https://www.lv.com/.../half-of-uk-workers-would-feel-more-financially-resilient-with-protection-in-place

28/09/2026

🏡 Plans to end ‘gazumping’ in England: Could buying a home soon become a little less stressful? 👀🏡

Proposed reforms could change the way homes are bought and sold in England and Wales, including measures designed to tackle gazumping, where another buyer makes a higher offer after your offer has already been accepted.

The plans could introduce legally binding agreements earlier in the process, alongside new sales packs providing buyers with more information about the property upfront. The aim is to reduce delays, prevent sales falling through and potentially save buyers time and money.

👉 Read the full blog on our website for more on what the proposed changes could mean for buyers and sellers.

📦 Buying your first home or planning your next move? Get in touch with our expert adviser to discuss your options

💬 Don’t forget to follow us for more mortgage advice, first time buyer tips and UK property market updates.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Sources:

https://www.bbc.co.uk/news/articles/c6216g52p8wo
https://hoa.org.uk/.../what-is-gazumping-how-avoid-it/
https://www.gov.uk/.../homebuying-shake-up-to-slash...
https://www.moneysavingexpert.com/.../buying-a-home.../

📦

23/09/2026

How Are My Home Insurance Premiums Calculated? 🏠💷

The cost of home insurance can rise and fall depending on a range of factors. In Q4 2025, the average combined buildings and contents policy cost £379, compared with £305 in 2022.

Your premium can be influenced by:

🏡 Your home: Where you live, the construction and materials used, and the cost of rebuilding your property can all affect the price.

📋 Your claims history: Previous claims may indicate a higher likelihood of future claims, potentially increasing your premium. It is important to provide accurate information, as withholding details could affect a future claim.

🌧️ External factors: An increase in claims across an insurer’s customers, severe weather, inflation, energy costs and supply chain pressures can all increase the cost of repairs and claims, which can feed through to premiums.

With renewal costs changing, it is worth checking that your policy still provides the level of cover you need rather than simply accepting the renewal price. 📦

At Boxed Mortgages, we can help you review your home insurance needs and explore suitable options, including policies that may not be available through comparison sites.

👉 Read the full blog on our website to find out more.

📲 Don’t forget to follow us for more mortgage advice, home insurance tips, protection guidance and property insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Sources:

https://www.aviva.co.uk/.../your-home-price-explained/
https://www.abi.org.uk/.../adverse-weatherpushesproperty.../

21/09/2026

🏡 More First Time Buyers Over 50

More people are taking their first step onto the property ladder later in life, with the number of first time buyers aged 51 and over increasing by 43% between 2020 and 2024, according to analysis of FCA data.

The research highlights how the UK housing market and affordability challenges have changed the traditional picture of who a first time buyer is. By 2030, over 50s are projected to account for around 5% of the first time buyer market, while those aged over 40 could make up more than 16%.

Whether you're buying your first home in your 20s, 40s, 50s or beyond, your circumstances are unique. Age, income, deposit, affordability and the mortgage term can all play a part when considering your options.

📦 At Boxed Mortgages, we don't believe there's a one size fits all approach to mortgages. We can talk through your circumstances, explain your options in plain English and help you understand what may be achievable based on your individual situation.

👉 Read the full article on our website to discover more about the changing first time buyer market.

💬 Thinking about buying your first home? Get in touch for a friendly chat, or follow Boxed Mortgages for more mortgage advice, first time buyer tips, property market updates and UK housing insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Sources:

https://www.thisismoney.co.uk/.../Sharp-rise-time-buyers...
https://www.mortgagestrategy.co.uk/.../number-of-first.../

📦

18/09/2026

Shall I remortgage now or wait until the interest rates drop?

Waiting for “perfect timing” is risky as rates can change overnight. The best time to remortgage is when it makes sense for you. Many lenders allow you to secure a new rate 6 months before your current deal ends.

We’ll review your current deal, compare your options and help you secure the right rate now or plan ahead for later. 📦

Don't forget to follow us for regular market insights and useful tips!

🔗www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134

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

*You may have to pay an early repayment charge to your existing lender if you remortgage.

16/09/2026

The Misconceptions Regarding Protection: Think you know how protection works? You might be surprised. 👀

A recent survey has highlighted some significant gaps in understanding when it comes to protection.

🩺 65% thought critical illness cover pays out when you are unable to work, rather than following the diagnosis of a specific covered serious illness.

💷 66% believed income protection pays a lump sum, rather than providing regular monthly payments.

🚪 66% also thought income protection would pay out if they were made redundant, which generally isn’t what this type of cover is designed for.

Perhaps more concerning, 7 in 10 people said they had not seen or heard anything about critical illness cover or protection during the previous year.

Understanding what your protection actually covers is just as important as having it in place.

💬 Have a question about protection? We can help you understand the different types of cover, what they are designed to do and explore suitable options based on your circumstances.

👉 Read the full blog on our website to find out more and don’t follow us for more mortgage advice, protection guidance, first time buyer tips and useful property insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

https://ciexpert.uk/critical-thinking-report-2024/

14/09/2026

Don’t Invalidate Your Home Insurance 🏠 Could a simple oversight leave your home insurance at risk? 👀

An estimated 3.1 million UK home insurance policyholders could be at risk of having their cover cancelled or voided.

One of the most common issues is falling behind on routine home maintenance, with just under 4% admitting to this. Remember, wear and tear is not usually covered by home insurance.

Other important mistakes include failing to tell your insurer about property damage, with 1.19% admitting they had not done so, and 1.15% failing to notify their insurer about building work.

Keeping your insurer updated and checking your policy requirements could help you avoid an unwelcome surprise if you need to claim. If a policy is cancelled or voided because important information wasn't disclosed, finding future cover could also become more expensive. 💷

👉 Read the full blog on our website to find out more.

💬 When did you last check your home insurance? At Boxed Mortgages, we can help you understand your home insurance options and what information your insurer may need from you, helping you keep the right boxes ticked 📦

📲 Follow us for more mortgage advice, home insurance tips, protection guidance and useful property insights.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Source:

https://www.gocompare.com/.../refused-or-cancelled-home.../

11/09/2026

🛡️ What do I need for my protection appointment?

Protection isn’t about pressure, it’s about peace of mind 🤍 and understanding your options clearly.

You don’t need to be perfectly organised, we’ll guide you through everything in a simple, relaxed way ✨

At Boxed Mortgages, we review what cover you already have, explain it in plain English, and help you spot any gaps. Our protection reviews are completely free 💬

📦 No pressure, no obligation, just friendly advice.

🔗 www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134



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

09/09/2026

🏡 New ISA Product for First Time Buyers

The government is consulting on a new First Time Buyer ISA, which is currently planned for April 2028 and could bring some important changes for people saving towards their first home.

One of the biggest differences is the proposed removal of the upper age limit. Unlike the Lifetime ISA, which currently has an age limit for opening an account, the proposed First Time Buyer ISA would be available to eligible first time buyers aged 18 and over.

There could also be more flexibility when accessing your savings, with the proposed FTB ISA allowing withdrawals without the 25% penalty that can apply to certain Lifetime ISA withdrawals.

💡However, there are still some important details to be confirmed, including the government bonus rate and annual savings limit.

If you're currently saving for your first home, it's worth understanding how the proposed changes could affect your plans. A savings strategy is only one part of getting mortgage ready, so understanding your deposit, affordability and mortgage options is equally important.

📦 At Boxed Mortgages, we can help you understand your mortgage journey, from preparing for your first mortgage application and exploring the options available based on your individual circumstances through to the conveyancing process and beyond.

👉 Read the full blog on our website for a simple breakdown of the proposed First Time Buyer ISA and how it could differ from a Lifetime ISA.

💬 Have questions about getting mortgage ready? Get in touch for a friendly chat, or follow our page for more first time buyer tips, mortgage advice, property market updates and UK housing news.

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

Sources:
https://www.gov.uk/government/consultations/first-time-buyer-isa-consultation
https://www.moneysavingexpert.com/savings/first-time-buyer-isa/

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+447734203134

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