The Mortgage Store - Mansfield

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The Mortgage Store - Mansfield

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Here to help you with every aspect of the mortgage journey.

05/11/2026

🏡 Bank Rate has risen to 4% — what could that mean for your mortgage?

The Bank of England has increased Bank Rate by 0.25 percentage points. It’s the first rise in more than three years, but it doesn’t mean every mortgage payment will go up straight away.

Here’s the simple version:

🔹 If you’re on a fixed-rate mortgage: your payment normally stays the same until your fixed deal ends.

🔹 If you’re on a tracker mortgage: your rate may change in line with Bank Rate. Check your mortgage terms or speak to your lender.

🔹 If you’re on a variable or standard variable rate: your lender may change your rate, but it decides whether and when to do so.

🔹 If you’re looking for a fixed-rate mortgage: you may hear about swap rates. In simple terms, these are rates used by lenders when they plan and price fixed-rate mortgages. They reflect what financial markets expect interest rates to do in the future.

That means fixed mortgage rates can change before the Bank of England changes Bank Rate, or move by a different amount. The Bank Rate rise won’t automatically add 0.25% to every fixed mortgage rate.

What about house prices around Mansfield?

House prices here are generally lower than the UK average. That can mean many buyers need to borrow less than they might in higher-priced areas, which may help keep the overall mortgage cost lower. But the effect of interest rates still depends on how much you borrow, your deposit, the mortgage term and the deal you choose.

The key message: don’t panic, and don’t assume your payment has changed. If your deal is ending or you’re worried about your current rate, it’s a good time to check what applies to your mortgage and plan ahead.

If you’d like help understanding your options, get in touch with The Mortgage Store – Mansfield. Advice is based on your individual circumstances, and there’s no obligation to proceed.

☎ 01623 354 954
📧[email protected]

05/11/2026

Remember, remember… when your mortgage deal is due for review! 🎆🏡

Nellie says fireworks are best admired from a cosy blanket — and mortgage paperwork is best left to the experts. She’s far too busy supervising the treats to do both. 🐾

If your mortgage deal is coming to an end, get in touch with The Mortgage Store Mansfield for a friendly chat.

Have a brilliant Bonfire Night — stay warm, stay safe, and don’t let Nellie near the sparklers! 🐱

☎ 01623 354 954
📧[email protected]

03/11/2026

First home, new home, or a new deal on the home you already love? The mortgage process can look different for everyone.

My job is to understand your circumstances, research suitable options from the lenders available to me, and guide you through the steps. I’ll explain what’s needed and keep you updated as the application progresses.

Thinking about a move or re-mortgage? Start with a chat and we’ll work out the next step together.

📞 01623 354 954
✉️ [email protected]

31/10/2026

👻🎃 Happy Halloween from The Mortgage Store – Mansfield! 🎃👻

Nellie’s been busy keeping an eye on the haunted house market. The ghosts are looking for somewhere to settle down, the bats are arguing over the interest rate, and one skeleton has been waiting so long for a mortgage decision he’s practically all bones! 💀

Don’t let your mortgage deal come back to haunt you. If your rate is ending soon, or you’re thinking about moving, Nellie and The Mortgage Store-Mansfield are here to help you explore your options. No tricks — just friendly mortgage advice. 🐾

📞 01623 354 954
📧 [email protected]

29/10/2026

For me, good mortgage advice starts with listening. 🏡

What are you hoping to do? What feels confusing? What would make the next step easier? Once I understand your plans, I can look at the options and talk them through with you clearly.

I’m happy to meet at home and work around busy diaries, including evenings where possible. Advice should feel like a conversation, not a sales pitch.

📞 01623 354 954
✉️ [email protected]

28/10/2026

⭐ Another lovely five-star review! ⭐

Dylan said he had no idea where to start. Luckily, you don’t need to arrive speaking fluent mortgage jargon — that’s my job! There are already enough forms and acronyms to make it feel like you’ve accidentally signed up for an exam.

Thanks, Dylan, for your kind words and for trusting me to guide you through the process. It means a lot — I’ll try not to let it go to my head. There’s plenty of paperwork to keep me grounded! 😄

If you’re wondering where to begin with your mortgage, I’m happy to talk things through. No obligation, just friendly advice that suits you.

📞 01623 354 954
📧 [email protected]

28/10/2026

🏡 Today’s Budget: what could it mean for homebuyers, homeowners and landlords?

Here are some of the key property and mortgage announcements, and what they could mean in practice:

• Help for some first-time buyers: The new Your First Home scheme is planned to help eligible first-time buyers purchase a new-build home in England. It includes a minimum 2.5% deposit and a government equity loan of up to 20% of the purchase price. The loan will be interest-free for the first five years, with charges increasing gradually after that.

• Who may qualify? The scheme is aimed at buyers who would otherwise struggle to buy. Household income caps are planned at £110,000 outside London and £140,000 in London. Local property price caps will apply, and buyers will still need to pass a participating lender’s affordability and credit checks. Applications are expected to open in February 2027, with the first loans from April 2027.

• Lifetime ISA change: From 29 October 2026, the withdrawal charge for a Lifetime ISA holder buying a qualifying first home above the current £450,000 price cap will reduce from 25% to 20%. The charge still applies, but the change reduces the penalty for eligible purchases above the cap.

• A new First Time Buyer ISA: From April 2029, a new ISA is planned for first-time buyers. It will allow contributions of up to £4,000 a year, with a 25% government bonus towards a qualifying first home worth up to £450,000. The maximum bonus will be £20,000. It will replace the Lifetime ISA for new savers; existing Lifetime ISA holders can keep using their accounts under the current rules.

• Landlords: From April 2027, personal property income tax rates are set to rise by two percentage points. In England, Wales and Northern Ireland, the announced rates are 24% basic, 44% higher and 49% additional. This could change the sums for some landlords, so it may be worth reviewing your plans with a tax professional.

• More affordable homes: The Budget adds £1.5 billion for social and affordable housing in England, with the government saying this will support around 10,000 additional homes.

• Mortgage rates: The Budget doesn’t set mortgage rates directly. Lenders may respond to wider market conditions, so rates and available deals can change. If you’re buying or your current deal is ending, it’s worth reviewing your options.

These announcements won’t suit every buyer, and the new equity-loan scheme is for eligible new-build purchases in England. If you’re buying, moving, re-mortgaging or reviewing a buy-to-let, I’m happy to talk through your mortgage options.

The Mortgage Store – Mansfield
📞 01623 354 954
✉️ [email protected]

For general information only; this is not a personal recommendation. Government scheme details and eligibility criteria may change. Tax treatment depends on individual circumstances, so please seek advice from a tax professional.

Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

27/10/2026

Meet Jon 👋

I’ve worked in property since 1995, and I still get a real buzz from helping people take their next step. Whether you’re buying your first home, moving, remortgaging or looking at a buy-to-let, I’ll take time to understand what matters to you and explain things in plain English.

No two clients are the same, and that’s what makes the job interesting.

If you’d like a friendly chat, get in touch with The Mortgage Store – Mansfield.

📞 01623 354 954
✉️ [email protected]

21/10/2026

⭐ Another five-star review! ⭐

Thank you for the lovely feedback. It means a lot to hear that, even with a few challenges along the way, the mortgage process felt straightforward and stress-free.

Review says I “really go the extra mile.” Fortunately, that’s just a figure of speech — I’ve seen the price of petrol. 😄

If you’re thinking about buying or remortgaging and would like someone to guide you through it, give me a shout.

📞 01623 354 954
📧 [email protected]

15/10/2026

📢 Out of Office

I’ll be away on a short family break from Thursday 15th October to Tuesday 20th October, returning to the office on Wednesday 21st October.

The family have requested my company for a few days. Apparently, saying “just one more email” doesn’t count as quality time. 😂

If you need to get in touch, please leave a voicemail or send an email. I’ll respond as soon as possible after my return.

If anything is urgent, please mark your email “URGENT” or mention this in your voicemail, and we’ll get back to you as soon as possible.

📞 01623 354 954
📧 [email protected]

Thank you for your patience — mortgage chats and questionable jokes resume on the 21st!

Address

5 Little Barn Court
Mansfield
NG183JW

Telephone

+441623354954

Website

https://the-mortgagestoremansfield.co.uk/

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