Ashley Dennis powered by OneDome

25/09/2026

Two weeks, I was approached by a couple in an incredibly stressful situation. One partner is retired, the other is dealing with long-term sickness, and they were facing the terrifying threat of repossession from their current building society. They felt completely stuck and overwhelmed with demands on repayment from their previous lender.

The first step was to secure an immediate Decision in Principle (DIP). Just having that document in hand was enough to get the solicitor threats off their back and give them some breathing room. We’ve just received their formal mortgage offer from the new lender.

They can finally sleep a little easier knowing their home is secure, their finances are structured for the long term, and they have an adviser in their corner supporting them every step of the way including translating solicitor speak.

If you or anyone you know has a complex situation and feels like there are no options left—please reach out. There is almost always a path forward with the right advice. 🏡

18/09/2026

🚨 The Bank Rate held at 3.75% yesterday... so why on earth are mortgage rates going UP?

I get asked quite frequently about why rates rise when the Bank of England hasn't, and I get the frustration. It feels completely against what we're typically told!

Here’s the crucial thing to understand:

Fixed mortgage rates don’t simply move up and down with the Bank of England's Base Rate.
They are heavily priced on "Swap Rates"—which is the rate lenders use to price future borrowing based on where the financial markets think the economy is heading.

The money markets are nervous, and those swap rates are rising. Here is why:

📈 Inflation is creeping back up: It recently rose to 3.1%.

⚡ Energy Volatility: The ongoing conflict in the Middle East is creating further inflationary pressure on global energy prices of both oil and natural gas.

🗳️ A Divided Bank: Yes, the Bank of England held rates at 3.75% today, but it was a tense 6-3 split decision. Three committee members actually voted to raise the rate to 4%.

Because the Bank of England is openly noting that short-term market rates are rising, that uncertainty is already passing straight through to the fixed lending rates you see on the high street.

What does this mean for your mortgage?

🏠If your current fixed rate is ending in the next 6 months, sitting on the fence could cost you. The market is shifting quickly, and waiting to "see what happens" is a risky game right now.

Send me a DM, and let’s run a quick comparison to lock in the best available deal before things change again!

20/08/2026

All your options on how to get started when looking to take out a mortgage can be found on my website!

Ashley Dennis CeMAP mortgage advisor in Essex, East of England

20/08/2026

Worrying that being self-employed means you can’t buy your first home? It’s a common fear I hear from first-time buyers here in Maldon, but it’s often much easier than you think!

You don’t always need two or three years of accounts to get approved—some lenders only ask for one. The trick is simply knowing where to look.

If you’re ready to get on the property ladder but aren't sure where you stand, let’s figure it out together. Drop me a message or call for a friendly, no-obligation chat!

01489 368059

28/07/2026

Another satisfied client receiving fantastic service during a stressful time in their life.

If you or someone you know needs help securing and protecting their homestead, you won't regret selecting me to supporting you all the way!

01489 368059

[email protected]

23/07/2026

Mortgage rates went up Tuesday.

This puts off first time buyers but it shouldn't. It's an oppotunity long term.

Mortgage cost go up and people worry, a lot.

It shifts the buyer/seller demand ratio. Fewer buyers, the same amount of sellers. Fewer viewings and even fewer offers. The housing market moves on offers made by wouldbe buyers.

Use the negotiation process to your advantage. Position yourself attractively for a lower offer. Have you numbers confirmed and deposit ready. Be confident.

People don't want to pay the higher rates but if you can be smart and secure a lower purchase price your mortgage will be smaller.

In 5 years time you'll be thankful you didn't wait and will be remortgaging with a smaller loan than you otherwise would have had.

15/07/2026

A mortgage adviser that comes with a full moving service all in one place???

That's right:

Mortgage admin and application - Sorted ✅
Conveyancing legal work at a fixed fee - Sorted ✅
A moving assistant dedicated to your move - Sorted ✅
Insurance to cover costs if the deal falls through - Sorted ✅

Speak with me today for more details on our Homebuyer Service!

01489 368059

06/07/2026

Refer a family, friend, colleague or acquaintance and you both reveive a £100 Amazon voucher when the mortgage completes.

No limit on the number of referrals!

06/07/2026

03/07/2026

Nothing matches the feeling of helping people achieve their goals of homeownership.

I recently took on a case for a young family who had been turned away by a larger brokerage due to criteria complexities. Through persistent research, I found the perfect lender and product to suit their needs, and I’m supporting them right through to exchange and ensuring their insurances are active.

I became an independent broker to provide that exact personal touch. I believe in being truly available and giving each client the dedicated time they deserve for one of the biggest milestones of their lives.

Hi, I’m Ashley. I enjoy making the process of mortgages clear and simple for you to feel confident and well supported. It’s all about you achieving the best for your home, family and future.
01489 368059 - [email protected]