Muuvin

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Muuvin Helping first-time buyers, movers, and anyone who's been told 'no'. Founder of Muuvin, Award-winning Mortgage & Protection Adviser.

Top 3 Mortgage Adviser in the UK (Unbiased). From first keys to declined cases — I’ve got your back, North east based

07/10/2026

If you are seeing a lot in the media of "Average" fixed rates. Try to not to panic. Most buyers do not pay these rates and in fact the majority pay less. Average rates are used for policies and to measure the general market.

If average rates increase, yes the fixed rates you pay has increased but, and this is a big but... The average fixed rate does not mean the average buyer pays this rate.

The vast majority of people will pay less than the average fixed rate.

If in doubt, seek advice.

05/10/2026

Applying for a mortgage?

This is what the process looks like for you -

Step 1 - a meeting to carry initial checks, get to know you, discuss mortgage options and obtain documents - Decision in principle provided for purchases

Step 2 - a meeting to discuss findings and recommended options, extra information needed for lender specific application

Step 3 - We take care of the rest. We manage the application with the lender and liaise with them. On the odd occasion we need to come back to you for more information.

It really is as simple as that.

What else do you get?

- Guidance on budgeting/saving before you have found a property

- Help navigating estate agents - as nice as some of them are, they work on behalf of the seller.

- Support in finding the right property - I have been there and done it before with thousands. Sometimes having a calmer voice can help stay on track.

- Help with communication especially with the legals - This is probably the most frustrating part of buying a house.

- Property check pre offer - If you find a property you like, I can run through the figures of the property before making an offer.

- Post sales - I will guide you right up until completion. As well as mortgage advice I can help with legals, surveyors, insurances.

Muuvin is here for those who need that extra guidance.

29/09/2026

Wow - A very busy week indeed.

If you have a mortgage due in the next 6 months you need to take action now.

This is a real world example of a client I helped.

Remortgage deal for a client secured a few months ago.

4.99% monthly payment = £1326pcm

Rate today - 5.74% monthly payment - £1445pcm

That is almost £120pm saved for acting early.

The reality of the industry is we have no idea what the rates will be in 6 months. Securing a rate today acts as an insurance policy against turbulent markets.

Todays rates may seem high compared to 6 months ago. In 6 months they could be another example of why to act early.

When you receive a mortgage offer, it is valid for 6 months. If you do not complete this mortgage you do not get charged anything from Muuvin. The lenders do not charge you a cancellation fee. There are no broker fees payable at the moment for those looking to refinance due to rates ending. (on residential properties only).

Your Home May be Repossessed if you do not keep up with the repayments.

23/09/2026

Its been great catching up with some clients this week for the first time since moving into their new homes albeit in a busy market.

Its the most rewarding part of the job, when you see couples enjoying their forever homes and starting families.

I've done this long enough to have clients who have purchased forever homes, start families and their kids are now starting primary school. Its such a rewarding part of the job when you check in on clients every so often and you see the different milestones.

The difference someones "forever home" makes to their life. Is priceless.

21/09/2026

The deadline for self employed is looming.

If your latest tax calculations are April 2025, you only have a couple of weeks left to use them. Otherwise you may be stuck until submitting the 2026 years figures.

A lot of lenders require the latest year to be dated within 18 months of the application so on the 6TH October your income proof is out of date.... until you submit 2026 figures. If this is in January you cannot apply for a mortgage with most lenders until this you have the 2026 figures submitted.

18/09/2026

This week has seen at least 25 rate increases from lenders.

It is important if you have a rate that is due to expire in the next 6 months you seek advice.

I understand how important it is to get the right advice when you are faced with uncertainty and constant rate changes. The biggest barrier to this is fees.

For the forseable future I will be waiving all broker fees on residential remortgage applications.

This means you can receive award winning mortgage advice on your next refinance without any fees.

Once you apply for a mortgage, the rate is reserved, once you receive an offer this lasts for 6 months. As time goes on the interest rates may reduce. I can switch you onto the lower rate if you qualify for it. By applying now you lock in a deal which will be a safety net encase rates continue to rise.

The service remains the same.

This is only available to people within North Tyneside and the surrounding areas - unless an existing client has recommended you.

[email protected]
07498 228660
OR book an appointment online

Your home may be repossessed if you do not keep up with your mortgage payments.

15/09/2026

Attention homeowners.

In the last few days a lot of lenders have increased interest rates.

If you have a fixed interest rate due to end in the next 6 months it is important you take action now.

Submitting an application now will give you a 6 month window to complete on the deal you apply for. This gives you peace of mind knowing what your payments will be once your current fixed rate ends.

At times where interest rates increase, the longer you leave it the more you will end up paying when your current deal expires.

If you apply and the interest rates come back down before your current deal ends, you can simply move onto the lower rate.

Sometimes it is difficult to track when your interest rate ends as it doesn't always follow your move in date. Most lenders have reduced their contact back down to 3 months before. Don't wait for them to give you a reminder.

09/09/2026

🏡 Did you know there are now more low-deposit mortgage options available?

For many first-time buyers, saving a large deposit can be one of the biggest hurdles when trying to get onto the property ladder.

Some lenders now offer mortgage options that could allow eligible first-time buyers to purchase a home with a deposit from as little as £5,000.

For example:

🔑 Halifax – eligible properties valued up to £300,000
🔑 Accord Mortgages – eligible properties valued up to £500,000

Other lenders also offer low-deposit mortgage options, so even if you've previously thought you needed a much larger deposit, it may be worth finding out what's available.

Eligibility will depend on your individual circumstances, affordability, the property and the lender's criteria.

📩 Thinking about buying your first home?

Get in touch and we can look at the mortgage options that may be available to you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

07/09/2026

What is a credit report and why is it important?

A credit report is a summary of your previous conduct with credit accounts such as bank accounts, credit cards and utility bills.

When you make payments on time, this will positively impact your credit report and when you make payments late or miss them entirely, this will negatively impact your credit report.

Having a good credit report will help you obtain better mortgage deals as you are seen as lower risk. Whereas a bad report can increase the costs of obtaining credit and worst case prevent it entirely.

Think of it this way.

If someone asks you to borrow some money and you can see they always pay on time, have never had any issues with repaying previous bills you are more likely to say yes.

If that same person has a track record of missing payments or not paying at all you are more likely to say no.

If you have no credit history you can take out small credit commitments to show that you can make payments on time. This can help improve your credit score over time. Things like mobile phone bills can help, likewise small credit cards can help.

03/09/2026

Life insurance, let’s face it is a taboo topic.

But it’s often a necessity for most.

How often do you review your insurances to make sure they are up to date ?

The cost of living is higher than it has ever been, buying a home is the most expensive it’s ever been and renting is the most expensive it’s ever been.

Could your family maintain the lifestyle you provide if you were no longer here?

Having adequate insurance in place is important to make sure your loved ones can cover any expenses you leave behind and fill in the financial gaps.

We can offer a free review either over the phone or one of our advisers can come and visit you in the comfort of your own home.

We guarantee the price on like for like cover* meaning you will not find the same cover cheaper.

*(providers approved by the ABI)

Address

Newcastle Upon Tyne

Telephone

+447498228660

Website

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