Lodestone Mortgages & Protection

17/10/2026

Lenders are cutting mortgage rates this week, but before you get excited, there’s more to it than the headlines suggest. 🏠

In this week’s video I cover why swap rates are still high, what’s really behind the HSBC and NatWest cuts, the surprise GDP figures, what the Bank of England’s chief economist said about rate rises, and why waiting to remortgage could cost you.

Back in front of the camera this week, ribs permitting.

▶️ Watch the full update: https://youtu.be/pHhknNEJOvQ

Thinking about your mortgage?
Book a call at www.lodestone.mortgage

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

Lenders are cutting mortgage rates, but should you be getting excit...

02/10/2026

It's been one hell of a week for mortgages 📈

Seven lenders put their rates up, swap rates hit an 18-month high, house price growth has halved, and the government's new 2.5% deposit scheme isn't quite what it seems.

I told Sky News exactly who I think wins from it, and it's not first-time buyers.

So is it still a good time to buy?

I think so, and I explain why in this week's video, along with what all this could mean for your mortgage.

Grab a brew, it's alot to get through but worth it.

▶️ Watch here: https://youtu.be/I2E_-VF0AU8

www.lodestone.mortgage

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

Is it still a good time to buy a house in the UK? UK mortgage rates...

01/10/2026

📍 Short-Term vs Long-Term Fixed-Rate Mortgages – What’s Right for You? 📍

Are you debating between a short-term (2-year) or long-term (5+ year) fixed-rate mortgage? 🤔

Here’s what you need to consider to make the right choice.

• Short-term fixed rates (e.g., 2 years) might appeal to those expecting a change in the market, hoping interest rates will drop soon. 📉
• Long-term fixed rates (e.g., 5+ years) currently offer lower rates than some short-term deals, giving stability over a longer period. 📊

But remember: the cheapest rate isn’t always the best choice! 💷

It’s crucial to focus on your future plans, such as:
• Planning to move house?
• Expecting a job change?
• Anticipating any other lifestyle shifts?

🔑 A lot of clients are tempted by short-term fixes hoping rates will fall, but this can be a gamble—playing the market is like gambling, and it doesn’t always end well. 🎲

The key is to align your mortgage decision with your next 2-5 years.

Don’t chase the lowest rate; focus on the best solution for your personal circumstances.

There’s no one-size-fits-all answer, but the right decision for you is what matters. ✅

We’ve helped hundreds of clients make informed decisions—let’s do the same for you. Get in touch, and let’s tailor a mortgage that works for your future. 🤝

Contact us to discuss your options.
➡️
https://lodestone.mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

29/09/2026

📢🏡 Mortgage Term: How to Choose the Right One for You! 💡

One of the most common questions I get is: What term should I take my mortgage over? Let’s break it down!

🔑 Key Points to Consider:
• Traditionally, mortgages were taken over 25 years because it was just the norm. 🏦
• Nowadays, it’s all about affordability. A good broker will tailor the term to your budget.
• 💷 Example: If you can afford £1,000 per month, that could mean a 30-year term—if that’s what suits your finances.

💡 Important Facts:
• The longer the term, the more interest you pay.
• The shorter the term, the less interest you pay, but with higher monthly payments. ⏳💰
• Flexibility! Your mortgage term can change over time. When you review your mortgage, you might shorten the term if your affordability improves. 📉

🔍 A Good Broker Will:
• Analyse your finances to find the shortest term that works for you.
• Help you adjust your mortgage term at review points, potentially saving you a lot in interest over time.

📞 Ready to discuss your mortgage term? Contact us today to get a tailored solution that fits your personal circumstances!

Contact us to discuss your options.
➡️ https://lodestone.mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

26/09/2026

🚨 The mortgage trap nobody warns you about…

Just because a lender can use your overtime, bonus or commission for affordability…

…it doesn’t mean you should rely on it.

Because what happens is:
✅ You borrow more
✅ You buy the bigger house
✅ You stretch for the better area

Then reality hits…

❌ overtime gets cut
❌ bonuses drop
❌ commission disappears
❌ company performance changes
❌ you burn out

And suddenly the mortgage that looked “affordable” isn’t.

My rule is simple:

If you need overtime/bonus/commission just to scrape through affordability…

you’re stretching it too far.

Lenders lend based on numbers…

…but you have to live with the payment.

👇 Have you ever relied on bonus income for a mortgage? Comment below.

Get in touch and let’s explore your options together! 🌟

Contact us to discuss your options.
➡️ https://lodestone.mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

25/09/2026

Worried about mortgage rates?

You're far from the only one.

Swap rates just hit an 18-month high, so this week's update covers what that means for fixed rates, why lenders are pulling back on small deposit mortgages, what the Budget rumours could mean, and the Rightmove numbers most people missed.

Don't make any big decisions untill you've watched it and if you find it useful, give it a like, as it helps us reach more people.

Watch here: https://youtu.be/CxXN5FtZFjI

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

UK mortgage rates news for the week ending Friday 25 September 2026...

20/09/2026

Most mortgage problems don’t come from picking the wrong rate.

They come from people choosing a deal without thinking past it.

Everyone obsesses over:

• 2-year or 5-year
• fixed or tracker
• headline rates

But almost nobody asks the most important question:

👉 What happens when this deal ends?

Because life changes.
Jobs change.
Income changes.
Plans change.

And lenders can tighten criteria overnight.

I see it all the time — a great rate at the start, but no long-term plan… and suddenly the options aren’t there anymore.

A mortgage isn’t just a product.

It’s a strategy that has to survive change.

So don’t just ask “what’s the cheapest?”

Ask:

“Does this still work if my situation changes?”

Questions? Drop them below 👇

We’ve successfully helped hundreds of clients just like you. Let’s chat and find the right mortgage solution for you!

Contact us to discuss your options.
➡️ https://lodestone.mortgage/specialist-mortgages/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

19/09/2026

🚨 These bank statement mistakes can quietly wreck a mortgage application

Lenders don’t expect perfection.

But they do look for patterns.

In this video I cover:
• Gambling activity lenders flag 🚩
• Why overdraft use still matters (even if it’s authorised)
• And the one thing most people don’t even think to mention - but should

A messy bank statement doesn’t automatically mean a no.

But surprises absolutely can.

If you’re planning a mortgage in the next 3 - 6 months, this is worth watching early 👀

👇 Drop any questions below
⚠️ Advice should always be tailored to your own situation

Contact us to discuss your options.
➡️ Book a Meeting - Lodestone

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

18/09/2026

Big week for mortgage rates.

Swap rates jumped, 17 lenders hiked, inflation's up to 3.1%, and the US just raised rates for the frist time since 2023.

Markets are now pricing in four base rate rises by 2027, so I've gone deep this week on government borrowing, welfare and the IMF too.

Full breakdown here: https://youtu.be/BxgUWSHquO0

UK mortgage rates today are on the move again, and there's a lot to...

12/09/2026

Mortgage rates on the move again this week 📈

Swap rates at their highest in 18 months, lenders raising rates across the board, and even the Bank of England Governor weighing in on why UK mortgages are rising faster than the rest of the G7.

Full breakdown in this week's video: https://youtu.be/YTEWcHqZNWQ?is=PNQbm3qYOtHr7BDO

The UK mortgage market is shifting this week. We look at rising rat...