Craig Towle - Mortgage & Protection Specialist

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Craig Towle - Mortgage & Protection Specialist

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Professional service offering tailored mortgage and personal protection advice

03/11/2026

📉 Some positive news in the mortgage market!

A number of lenders have started reducing their interest rates, which is welcome news for borrowers. 🎉

I’m currently enjoying a little annual leave, but I’ll be back in the office on Monday and will be reviewing the latest rate changes to see how they could positively benefit any clients who have already secured a mortgage deal but whose purchase/remortgage has not yet completed.

If you’re one of those clients, I’ll be checking whether there are any opportunities to take advantage of these reductions and potentially secure a better rate before completion.

As always, I’ll keep you updated and make sure we explore every opportunity available to you.

A little good news is always welcome! 😊

28/10/2026

How could the Autumn Budget 2026 affect mortgages, house prices and first-time buyers? Miles Rhodes explains.

22/10/2026

Tracker or Fixed – Which Way Should You Go?

There's been a lot of scaremongering about mortgage rates recently, with plenty of people predicting what will happen next.

The reality is that nobody knows for certain where interest rates are heading.

A fixed rate gives you certainty over your monthly payments, while a tracker gives you the opportunity to benefit if rates fall, but also means paying more if they rise.

Neither is necessarily the right or wrong choice.

It's really about your attitude to risk, your circumstances and whether you could comfortably afford an increase in your mortgage payments.

Some people prefer knowing exactly what they'll be paying each month. Others are happy to take a little more risk in the hope that rates will come down.

That's why speaking to a mortgage broker is so important.

At Miles Rhodes Mortgages, we have access to the whole mortgage market and can talk you through the options, explain the risks and help you make an informed decision.

Don't make a decision based on newspaper headlines or somebody else's prediction. Make it based on what's right for you.

13/10/2026

Learn how mortgage deposit size affects rates and repayments, and how parents or grandparents can help first-time buyers.

05/10/2026

CIS Contractor?
Getting a Mortgage Could Be Easier Than You Think
If you work in construction and are paid through the Construction Industry Scheme (CIS), you may think that being a contractor automatically makes getting a mortgage more difficult.
That isn't necessarily the case.
A number of mortgage lenders understand how CIS contractors are paid and have specific ways of assessing their income. Depending on your circumstances, this can mean your mortgage options may be better than you initially expected.
At Miles Rhodes Mortgages, we can help you understand how lenders may view your CIS income and find a mortgage that suits your individual circumstances.
We can help with:
🏡 Understanding your borrowing potential based on your CIS income
🔍 Searching across a wide range of mortgage lenders and their different CIS criteria
📋 Finding a suitable mortgage based on your circumstances, rather than assuming a standard employed or self-employed approach
💬 Straightforward, personalised advice from your initial enquiry through to your mortgage application and beyond
Every CIS contractor's circumstances are different. How long you've been contracting, your income history and the way you're paid can all affect which lenders may be suitable.
So, if you're a CIS contractor thinking about buying a home, moving house or remortgaging, it's worth speaking to us before assuming your options are limited.
You might have more mortgage options than you think.

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

01/10/2026

At Miles Rhodes Mortgages, we offer:

✅ FREE mortgage advice
✅ Whole-of-market access
✅ Flexible appointments
✅ Personal service from start to finish
⭐ 5-star rated on Trustpilot

We’re based in Hull and East Riding, serving customers nationally.

📞 Call or text Craig – 07787 533895
📞 Call or text Nicky – 07834 538395

📧 [email protected]
📧 [email protected]

28/09/2026

The Your First Home scheme could help first-time buyers purchase with a 2.5% deposit. Miles Rhodes explain how the new scheme may work.

22/09/2026

https://milesrhodes.com/2026/09/21/auction-property-mortgage/

14/09/2026

📈 Why are mortgage rates creeping up when the Bank Rate hasn’t changed?

You may have noticed some UK lenders increasing their fixed mortgage rates recently — and the reason is largely down to swap rates.

Swap rates are a key part of how lenders price fixed-rate mortgages. At the moment, they’ve been pushed higher by rising gilt yields, renewed inflation concerns and uncertainty around where interest rates are heading next. (Reuters⁠)

The Bank of England has currently held Bank Rate at 3.75%, but markets are becoming more cautious about further cuts, with inflation and higher energy prices creating fresh concerns. (Bank of England⁠)

👉 So what does this mean for you?

It doesn’t necessarily mean mortgage rates will keep rising — swap rates can move quickly in either direction. But if you’re coming off a fixed rate soon, it’s worth looking at your options sooner rather than later.

As always, don’t panic and don’t assume your bank is offering you the best deal. There may still be options available across the wider market.

💬 If you’re due to remortgage or you’re thinking of moving, get in touch and let’s see what’s available for you.

PropertyMarket

03/09/2026

Protecting your mortgage matters. Learn how life insurance, critical illness cover and income protection can help protect your home, income and your family's financial future.

Address

Melton Hill, South Lawn Way
North Ferriby
HU143BL

Telephone

+447787533895

Website

https://milesrhodes.com/

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