My Mortgage & Protection Experts

18/06/2026

📊 Bank of England Announcement Today – Here's What to Watch

All eyes are on the Bank of England this afternoon, with markets widely expecting rates to be held at 3.75% — but whatever today's decision, the bigger story is what could come next.

Rising energy costs and global uncertainty mean inflation could tick back up later this year. Some policymakers are already signalling that rate increases may be needed down the line.

So what should you be thinking about right now?

✅ Here's the good news:

Ahead of today's announcement, mortgage lenders have already been cutting their fixed rates — and that means real opportunities exist for borrowers who act now, before the market shifts.

Whether you're:

🏡 Coming off a fixed deal soon
🏠 Looking to buy your first home
💼 Reviewing your buy-to-let portfolio

17/06/2026

Best of luck to the English team tonight!

30/04/2026

Bank Rate Held at 3.75%

The Bank of England's Monetary Policy Committee has voted 8-1 to maintain the base rate at 3.75%. Here's what you need to know:

The Decision
Policymakers are taking time to assess inflation risks linked to higher energy costs and weaker domestic conditions. While the base rate stays put, this doesn't automatically mean mortgage rates will fall.

What This Means for Borrowers
The key takeaway: lenders remain cautious on pricing. Even with the base rate unchanged, many lenders are repricing mortgages upward due to market volatility and uncertainty around oil and gas markets.

If you're thinking about remortgaging or securing a new mortgage, don't wait for rate cuts that may not come quickly. The market is moving fast, and deals are tightening.

What Should You Do?
Get a whole-of-market review now. We compare rates from 90+ lenders and can show you exactly where you stand. Fixed rates are still available, but the window is narrowing.

Ready to explore your options? Book a free consultation with our team. We'll review your situation and show you what's possible.

10/04/2026

Running your own limited company often means your income looks very different on paper.
When it comes to mortgages:
✔ Some lenders use salary + dividends
✔ Others also look at company profits
✔ Some average income over years, others don’t
It’s one of the biggest areas where good advice and lender selection really matters.
👉 If you would like to know more click the link or message and we can chat this through plain English.

https://mymortgageprotectionexperts.co.uk/how-mortgage-lenders-assess-income-for-limited-company-directors/

How Mortgage Lenders Assess Income for Limited Company Directors from My Mortgage & Protection Experts

27/03/2026

💡 Why Income Protection Is One of the Most Important Covers You’ll Ever Have

Most people insure their home, their car, and even their phone…
But what about the one thing that pays for everything?
👉 Your income.

If illness or injury stopped you from working, your bills wouldn’t stop — especially your mortgage.

Income protection is designed to pay you a monthly income if you’re unable to work due to illness or injury, helping you stay financially secure while you recover.

Here’s why it matters 👇
✅ Claims DO pay out
UK insurers pay over 97% of income protection claims — one of the highest acceptance rates of any insurance.
✅ Claims can last far longer than people expect
Many income protection claims last years, not months. Some have been paid for 10, 20+ years, supporting people through long‑term illness.
✅ It’s not just for serious accidents
The most common reasons people claim are back & joint problems and mental health conditions like stress and anxiety — issues that can affect anyone.
✅ State support is limited
Statutory Sick Pay is low and time‑limited. For most homeowners, it wouldn’t come close to covering a mortgage and household bills.
✅ Especially important if you’re a sole mortgage holder
If you rely on your income to keep the roof over your head, income protection can be the difference between staying secure or facing financial pressure.

💬 The good news?
Income protection can often be arranged far more affordably than people expect, and policies can be tailored around your job, budget, and employer benefits.

If you’ve ever wondered:
“What would happen if I couldn’t work for 6 months… or longer?”
It’s a conversation worth having.

📩 If you’d like to understand how income protection could work for you, we’re always happy to help.