James Parfitt Self Employed Mortgage & Protection Advisor

26/08/2026

Should you wait for mortgage rates to fall? 🤔🏠

One of the biggest questions I’m being asked at the moment is:
“Should I wait and see if mortgage rates come down?”

The honest answer?

There is no guarantee they will.

The Bank of England base rate is currently 3.75%, but inflation has recently increased to 2.9%, creating uncertainty over what happens to interest rates next.

Mortgage rates are influenced by much more than just the Bank of England base rate, so waiting for a particular rate to appear can sometimes mean waiting while the market moves in the opposite direction.

If you're:
🏠 Looking to buy your first home
🔑 Moving home
💷 Remortgaging
📉 Coming to the end of your current fixed rate

…it could be worth looking at your options now, rather than simply waiting and hoping rates improve.

And remember, the “cheapest rate” isn't always the cheapest mortgage once you consider product fees, cashback, incentives and the overall cost.

As an independent, whole-of-market mortgage adviser, I can compare the available options and help you decide what makes sense for your circumstances.

📩 Thinking about your next mortgage? Get in touch for a chat.
No pressure. No obligation. Just advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

20/08/2026

🏡 UK Mortgage Rates: What’s Happening Right Now?
Thinking about buying a home or remortgaging? Here's a quick snapshot of the UK mortgage market:

📉 Mortgage rates have eased from their 2023 peaks, but they're still higher than the ultra-low rates many homeowners became used to before 2022.

🔹 Fixed-rate mortgages remain the most popular option, offering payment certainty for 2, 3, or 5 years.
🔹 Your rate depends on several factors:
✅ Deposit size (or equity if remortgaging)
✅ Credit profile
✅ Income and affordability assessment
✅ Mortgage term and product type
🔹 Larger deposits usually unlock lower rates. Lenders often offer their most competitive deals to borrowers with lower loan-to-value (LTV) ratios.

🔹 If you're coming off a fixed deal, it's worth reviewing your options early. Moving onto a lender's standard variable rate (SVR) can significantly increase monthly payments.

💡 Tip: Don't focus solely on the interest rate. Consider arrangement fees, incentives, flexibility, and the total cost over the fixed period.

📊 Mortgage markets can change quickly, so comparing deals and seeking professional advice can help you find the most suitable option for your circumstances.
Message me for more advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

Send a message to learn more

06/08/2026

🎉 Great News for Home Buyers in Wales! 🏡

The Help to Buy – Wales scheme has officially been extended until March 2027, giving more buyers the opportunity to get onto the property ladder with a smaller deposit.

If you're looking to purchase a new-build home in Wales but are worried about saving a large deposit, this extension could make homeownership much more achievable.

✅ Available on eligible new-build properties
✅ More time to take advantage of the scheme

If you've been putting off buying your first home, now could be the perfect time to explore your options.

As an independent, whole-of-market mortgage advisor, I'm here to help you understand whether the Help to Buy – Wales scheme is right for you and to find the most suitable mortgage for your circumstances.

📩 Get in touch today for a free, no-obligation chat and let's see how close you are to owning your new home!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

17/06/2026

Day 4 of waiting for the new survey equipment

🚪👀 Me checking the window every time a van drives past.

Good news though — it's finally due tomorrow!

We've had to push our trial survey dates back slightly, but we're incredibly excited to get our hands on this new technology and start capturing homes in more detail than ever before.

We're now looking for 2 homeowners to take part between 22nd June and 3rd July with 20% off design fees available for anyone who commits by 26th June.

📩 Message us for details.

17/06/2026

🌟 A Quick Thank You 🌟

As I get ready to take a well-earned break, I wanted to take a moment to thank all of my clients, introducers, friends, family, and supporters who have trusted and supported me throughout the year.

Helping people achieve their homeownership goals, secure their next property, or find the right mortgage solution is a privilege that I never take for granted. Your recommendations, referrals, and continued support mean the world to me.

It's been a busy and rewarding period, and I'm incredibly grateful for every conversation, application, completion, and success story along the way.

Now it's time to recharge, spend some quality time with loved ones, and come back refreshed and ready to help even more people with their mortgage and protection needs.

Thank you again for your continued support. I look forward to speaking with you all soon!
🏡💙

04/06/2026

🏡 UK Mortgage Rates: What’s Happening Right Now?
Thinking about buying a home or remortgaging?

Here's a quick snapshot of the UK mortgage market:

📉 Mortgage rates have eased from their 2023 peaks, but they're still higher than the ultra-low rates many homeowners became used to before 2022.

🔹 Fixed-rate mortgages remain the most popular option, offering payment certainty for 2, 3, or 5 years.

🔹 Your rate depends on several factors:
✅ Deposit size (or equity if remortgaging)
✅ Credit profile
✅ Income and affordability assessment
✅ Mortgage term and product type
🔹 Larger deposits usually unlock lower rates. Lenders often offer their most competitive deals to borrowers with lower loan-to-value (LTV) ratios.

🔹 If you're coming off a fixed deal, it's worth reviewing your options early. Moving onto a lender's standard variable rate (SVR) can significantly increase monthly payments.

💡 Tip: Don't focus solely on the interest rate. Consider arrangement fees, incentives, flexibility, and the total cost over the fixed period.

📊 Mortgage markets can change quickly, so comparing deals and seeking professional advice can help you find the most suitable option for your circumstances.

Message me for more advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

02/12/2025

📢📢📢 ANNOUNCEMENT 📢📢📢
🎄🎄🎄🎄🎄🎄🎄🎄🎄🎄
So as its the season for giving , I am trying to hit 1000 followers for my business page . This is what 1000 people look like so would mean the world to me.
If you can all help me and
💚 LIKE
💙 FOLLOW
💚 SHARE
This post and I will do a draw for everyone following me on Christmas Eve whilst im on holiday and the lucky winner will receive a £100 voucher for Home Sense AKA TK MAXX as a thank you for all your support .
Dont forget you have to follow my business page as the draw will be for all people following only 😇💚💙🏡
Emma-Lou Miller

19/11/2025

🚀 Another Mortgage Success Secured! 🚀

Proud to announce that I’ve just secured a Skipton Building Society Track Record mortgage offer for my client — with 0% deposit required. 🙌

Skipton’s Track Record product continues to be a game-changer for renters who are ready to turn monthly payments into real homeownership.

If you’re renting and paying reliably each month, you could be closer to owning a home than you think. 🏡✨

If you're looking to take that step but think a deposit is holding you back, let’s talk.

I’m helping more clients get mortgage-ready and move into their first home faster than they imagined. 🔑

📩 Message me to find out if you could qualify.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT

08/11/2025

02/10/2025

🔥🔥🔥🔥🔥