Mortgage Confidence

30/03/2026

Another 5 star review - ⭐️⭐️⭐️⭐️⭐️

Client feedback is one of the most valuable tools any business can have. 🌟

It helps us understand what we’re doing well, where we can improve, and how we can better serve you. Every comment, review, and suggestion gives us insight that shapes the way we grow and evolve.

We truly value hearing from our customers — your voice matters and helps us deliver the best possible experience.

If you’ve worked with us recently, we’d love to hear your thoughts. 💬

26/03/2026

Should you lock in a mortgage rate in light of the war in Iran? 🔐

With global events creating uncertainty in the economy, many homeowners are feeling the pressure. UK mortgage rates have now climbed above 5%, and hundreds of deals have been withdrawn in just days.

Mortgage Adviser Jo Jingree shares a clear message: don’t wait. If your fixed-rate deal is ending in the next 6 months, now is the time to act.

“In these circumstances, activity beats inactivity. The market is changing quickly, and having access to expert advice and up-to-date lender information can make all the difference.”

If you’re concerned about rising costs or your next mortgage step, speak to a professional adviser and explore your options early.

📞 A simple conversation today could help protect your finances tomorrow.

Read Jo's blog in full by clicking on the link below:
https://bit.ly/4d5Jef3

23/03/2026

Really proud to be named a VouchedFor 2026 Top Rated Adviser in The 2026 Top Rated Guide, published in The Times on Saturday.

This is based on feedback from my clients, so a genuine thank you to everyone who has
supported me.

20/03/2026

🏡 Thinking about remortgaging? Here are two tips to make it less stressful:

Following on from our last post on remortgaging here are two more tips that Jo Jingree has to offer:

3️⃣ Play the long game – You can arrange your remortgage up to six months before your current deal ends. This gives you time to explore rates and plan ahead, avoiding last-minute stress.

4️⃣ Think ahead – Planning renovations? Remortgaging could release equity in your home, helping fund your project in a cost-effective way.

Let us take the stress out of buying or investing in a home — expert advice is just a message away!
📧 [email protected]
📞 07742 228302

18/03/2026

😰 Thinking about remortgaging and feeling stressed? You’re not alone — over 60% of people applying for mortgages every year feel the pressure.

But it doesn’t have to be this way! Jo Jingree, award-winning mortgage adviser, shares two tips to make it smoother:

1️⃣ Speak to an expert – 69% of people say mortgage brokers are essential. They’ll guide you, cut through the paperwork, and ease the stress.

2️⃣ Don’t leave it until the last minute – The sooner you start, the less pressure you’ll feel. Even a quick email or WhatsApp can get the process rolling.

💡 Remember: a problem shared is a problem halved!

17/03/2026

I was pleased to be asked to contribute to this article.

Chat to your Mortgage Adviser. Mortgage advisers track lenders and rates daily, providing expert guidance.

Read the full article here:-
https://www.bbc.co.uk/news/articles/c0mgd3z1e9ko

Lenders have hiked rates on new deals and withdrawn products as war creates uncertainty in the markets.

15/03/2026

🌼 Happy Mother's Day 🌼

Whether she’s your mum, stepmum, grandmother, mother-figure or the one who simply showed up when it mattered most — today we celebrate the women who turn houses into homes.

13/03/2026

Customer reviews matter more than ever ⭐⭐️⭐️⭐️⭐️

For businesses, they build trust, credibility and confidence for potential customers. For customers, they provide honest insights and real experiences that help them make informed decisions.

Every review — whether it’s praise or constructive feedback — helps businesses learn, grow and continue improving the service they provide. Your voice truly makes a difference. 💬

https://www.mortgageconfidence.co.uk/testimonial/

10/03/2026

🏡 Valuation vs Survey – What’s the Difference (and Do You Need Both)?

Your mortgage lender will want to do a valuation on your home for mortgage purposes. This is to reassure themselves that it’s worth the money they’re lending you. This assessment is brief and sometimes virtual. It centres much more on valuation than condition.
💷 Cost? Often free, or around £100 (always check your mortgage illustration for confirmed fees).

There’s no legal requirement to get your own survey — but it’s strongly recommended, especially for older or unusual properties.

In Greater London, a RICS Level 2 HomeBuyer Survey typically costs between £700–£1,300.
It’s an upfront cost — but it could save you thousands later.

If you’re unsure which survey is right for you, feel free to get in touch.
https://www.mortgageconfidence.co.uk/five-costs-for-homebuyers-beyond-the-deposit/

04/03/2026

Don't Let Stamp Duty Catch You Out

Stamp Duty is payable when purchasing property above a certain price. For first time buyers there is no stamp duty due on the first £300,000. Otherwise, the rates of stamp duty due are tiered according to the value of the property (for main residences):

💮 Up to £125,000: 0%
💮 £125,001 to £250,000: 2%
💮 £250,001 to £925,000: 5%
💮 £925,001 to £1.5m: 10%
💮 Over £1.5m: 12%

Stamp Duty is usually paid on your behalf by your Solicitor, who will collect the funds from you prior to completion.
https://www.mortgageconfidence.co.uk/five-costs-for-homebuyers-beyond-the-deposit/

02/03/2026

🏡 Five costs for homebuyers beyond the deposit 💸

Buying your first home is exciting — but it comes with costs beyond the deposit and mortgage. Here are some more key things to think about:

🚚 Moving Costs:

Small move? A hired van and some helping hands might be enough.
Big move? Professional movers can pack and transport your belongings.
Tip: Get multiple quotes and compare like-for-like.

⚖️ Balancing Rent & Mortgage:

Don’t give notice on your rental before exchange — things can get delayed!
Solutions like Skipton’s Delayed Start Mortgage may help if you need extra flexibility.

💡 Incidental Costs:

Deep cleaning an empty house is easier than you think.
Changing the locks brings peace of mind — you never know who has extra keys!
Expect the unexpected — a little planning goes a long way.

📞 Need Guidance?
Multi-award-winning mortgage adviser Jo helps first-time buyers, remortgages, and self-employed buyers get on the property ladder. She offers a free 30-minute call to help you navigate costs and planning. Advice fees start at £399, depending on circumstances.

Buying your first home is a big step — but with the right planning, it doesn’t have to be stressful! 🏠✨
Read Jo's blog in full by visiting the website:
https://www.mortgageconfidence.co.uk/five-costs-for-homebuyers-beyond-the-deposit/