What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm Saturday 9am - 4pm

Your Mortgage Shop

Home
United Kingdom
Nottingham
Your Mortgage Shop

We are an independent mortgage and general insurance brokerage with access to the whole of the marke

03/06/2026

Savills has forecast a 2% fall in UK house prices for 2026, largely due to higher mortgage rates affecting demand.

For buyers, this could create opportunities, but only if the mortgage side of things is properly planned.

A lower asking price doesn’t always mean a cheaper move overall if borrowing costs are higher.

Before you make your next move, speak to a mortgage adviser who can help you understand the full picture.

02/06/2026

Mortgage approvals for house purchases rose to 65,900 in April, according to Bank of England figures reported by The Intermediary.

That suggests buyers are still moving forward, even in a changing market.

If you’re wondering whether now is the right time to buy, the best first step is to understand what you could borrow and what your monthly repayments may look like.

Speak to us at Your Mortgage Shop for friendly mortgage advice.

01/06/2026

Research shows that most first-time buyers now use a mortgage broker, and the overwhelming majority find the advice valuable.

With lenders offering different affordability calculations, criteria and products, expert advice can make a huge difference.

At Your Mortgage Shop, we compare options across the market and guide you through every step of the journey.

✔ First-time buyers
✔ Home movers
✔ Remortgages
✔ Self-employed applicants

31/05/2026

Recent mortgage affordability changes could make it easier for some buyers to access larger mortgages than before.

If you’ve previously been told you can’t borrow enough, or you’ve put your homeownership plans on hold, now could be the perfect time to revisit your options.

Our latest blog explains:
✔ What mortgage affordability actually means
✔ The mortgage affordability changes 2026 everyone is talking about
✔ Who could benefit most
✔ Why speaking to a mortgage broker could make all the difference

The mortgage market is constantly evolving, and what wasn’t possible a year ago may be possible today.

Read the full blog on our website https://www.yourmortgageshop.co.uk/news/mortgage-affordability-changes-2026-could-you-borrow-more/

Or get in touch for friendly, expert mortgage advice tailored to your circumstances.

30/05/2026

Mortgage lending increased significantly during 2025, reaching its highest level since 2021 according to UK Finance. At the same time, mortgage arrears continued to fall.

This suggests growing confidence in the market and shows that many buyers are still successfully securing mortgages despite economic uncertainty.

If you’re wondering whether now is the right time to buy, remortgage or move home, we’re here to help.

Message us to discuss your options.

29/05/2026

Recent proposals from the PRA (Prudential Regulation Authority) could give lenders greater flexibility when it comes to higher income multiples, potentially helping more buyers access the mortgage they need.

If you’ve previously been told you couldn’t borrow enough, it may be worth revisiting your options.

At Your Mortgage Shop, we keep up with market changes so we can help you understand what they mean for your homeownership plans.

Thinking of buying, moving or remortgaging? Let’s talk.

28/05/2026

Santander UK has said there are “real and tangible signs” that conditions are becoming more accessible for first-time buyers, despite ongoing pressure from living costs and affordability.

Recent developments, including affordability rule changes and the Mortgage Guarantee Scheme, are helping some lenders support more aspiring homeowners.

There are also more high loan-to-value mortgage options available, meaning some buyers may not need as large a deposit as they thought.

At Your Mortgage Shop, we know that buying your first home can feel confusing, especially when the market keeps changing.

That’s where advice matters.

We can help you understand:
What you may be able to borrow
What deposit you may need
Whether you could be eligible for lower-deposit options
How current lender criteria may affect you
What your realistic next steps could look like

The dream of owning your first home may feel more achievable than you think, but it starts with getting clear, personalised advice.

Thinking about buying your first home? Speak to our friendly team today.

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

27/05/2026

New research from Mortgage Advice Bureau suggests that half of first-time buyers are unaware their borrowing power may have improved, with some potentially able to borrow £30,000 - £40,000 more than they could last year.

And it’s not just borrowing power causing confusion.

The research also found that many first-time buyers are still unsure about what deposit options are available, including 5% deposit mortgages.

That means some people may be ruling themselves out of buying a home based on outdated assumptions.

At Your Mortgage Shop, we can help you understand:
What you may be able to borrow
What deposit options could be available
Whether your rent is close to possible mortgage repayments
Which lenders may suit your circumstances
What your first steps should be

The mortgage market has changed, and getting early advice could make all the difference.

Thinking about buying your first home? Speak to our friendly team before you rule yourself out.

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

26/05/2026

New property market data suggests UK house prices started to pick up again in early 2026, after dipping at the end of last year.

But there’s another important detail behind the headlines.
The gap between what sellers are asking for and what buyers are actually able, or willing, to pay has widened again.

In simple terms?
Sellers may be feeling more confident.
Buyers are still being cautious.
And realistic pricing is becoming more important than ever.

For buyers, this means knowing your numbers before you start viewing is key.

Understanding:
➡ what you could borrow
➡ what your monthly payments may look like
➡ what deposit you may need
➡ whether a property is realistic for your budget
➡ and how strong your position looks to sellers
…can make the whole process much clearer.

For sellers who are also buying, it’s just as important to understand your next mortgage options before making decisions based on asking prices alone.

The property market is active, but it’s still price sensitive.

That’s where getting advice early can really help.
Whether you’re buying your first home, moving house or reviewing your current mortgage, we can help you understand what the numbers mean, without the jargon.

25/05/2026

You might have seen headlines recently suggesting that first-time buyers now need thousands more in deposit savings to avoid higher mortgage payments.

It’s a worrying headline, but let’s take a calmer look.

When mortgage rates rise, monthly repayments can increase.

And yes, putting down a bigger deposit can sometimes help reduce the amount you borrow and may give access to different mortgage deals.

But that does not mean every first-time buyer suddenly “needs” an extra £20,000.

Your options may depend on:
➡ your income
➡ your deposit
➡ your credit profile
➡ the property price
➡ the mortgage term
➡ the type of deal available
➡ and how much monthly payment feels comfortable for you

Some buyers may choose to wait.
Some may look at a different property budget.
Some may consider a longer mortgage term.
Some may receive family support.
Some may still be able to move forward with the right advice.

The key thing is not to panic based on one headline.

Mortgage rates can move for lots of reasons, including inflation expectations, global uncertainty and lender funding costs.

But your mortgage decision should be based on your personal situation, not fear.

If you’re a first-time buyer and you’re unsure whether buying is still realistic, getting advice early can help you understand what you could borrow, what your repayments may look like, and what options are actually available to you.

We’re happy to talk things through - jargon free

Address

45a Plains Road
Nottingham
NG35JU

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm
Saturday	9am - 4pm

Telephone

+441159620777

Website

http://www.yourmortgageshop.co.uk/

Alerts

Be the first to know and let us send you an email when Your Mortgage Shop posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Your Mortgage Shop:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Finance Company in Nottingham?