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Your Mortgage Shop

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Your Mortgage Shop

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

02/11/2026

Would you change your mind after agreeing to buy a house?

New research from Quick Move Now has revealed that buyers simply changing their minds accounted for 37.5% of failed property sales during the third quarter of 2026.

That’s more than one in three of transactions which fell through.

Mortgage and lending difficulties were responsible for a further 18.75%, while survey problems and delays also contributed to sales falling through.

And with the average time between agreeing a sale and exchanging contracts now reaching 127 days, it’s perhaps not surprising that uncertainty can creep in.

Buying a home is a huge commitment, and sometimes circumstances genuinely change.

But understanding your mortgage options, having a realistic budget and getting advice before making an offer can help you approach the process with greater confidence.

At Your Mortgage Shop, we’re here to help you understand what’s affordable and guide you through the mortgage process, so there are fewer surprises along the way.

Thinking of buying or moving home? Get in touch for friendly, straightforward mortgage advice.

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

01/11/2026

Leaving your home empty for an extended period? There’s something you might need to check.

New research from Compare the Market found that 26% of Brits have left a property unoccupied for an extended period.

Whether you’re working away, renovating, spending time abroad or temporarily living somewhere else, leaving your home empty could have implications for your insurance.

Some home insurance policies have restrictions or additional conditions when a property is unoccupied for a certain length of time.

And if you have a mortgage, keeping suitable buildings insurance in place is normally a condition of your agreement.

With winter approaching, it’s particularly important to check your cover and any requirements around heating, security and regular property inspections.

It’s one of those little details that’s easy to overlook, but could make a big difference if something goes wrong.

At Your Mortgage Shop, we believe understanding your responsibilities as a homeowner is just as important as finding the right mortgage.

Thinking about buying, moving or reviewing your mortgage? Get in touch for friendly, straightforward advice.

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

31/10/2026

You’ve found your dream home. The location is perfect, you love the layout, and you’re already imagining yourself living there.

But would you walk away if the numbers didn’t add up?

New research from Confused.com found that 23% of UK homeowners have walked away from a property they considered their dream home.

The biggest dealbreaker was the asking price, cited by 40%, followed by the amount of renovation work needed (31%) and high repair costs (29%).

And perhaps surprisingly, only 30% checked the cost of home insurance before making an offer.

It’s a reminder that falling in love with a property is one thing, but making sure you can comfortably afford it is another.

Before making an offer, it’s worth understanding not just what you could borrow, but what the property might actually cost you to own.

At Your Mortgage Shop, we can help you work out your mortgage options and monthly repayments, so you can make your next move with confidence.

After all, your dream home shouldn’t become a financial nightmare.

Get in touch for friendly, straightforward mortgage advice.

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

30/10/2026

House price growth has slowed to its lowest level in more than two years.

According to the latest Nationwide House Price Index, reported by The Intermediary today, annual UK house price growth fell to just 0.5% in October, down from 0.8% in September.

The average UK property price now stands at £273,566.

So, what does this mean if you’re thinking about moving?

For buyers, slower price growth could provide a little more breathing space, particularly in areas where sellers are becoming more open to negotiation.

For sellers, it’s a reminder that realistic pricing and understanding the local market are increasingly important.

However, mortgage rates and borrowing costs remain a significant consideration, and slower house price growth doesn’t automatically mean buying has become more affordable.

Whether you’re looking to buy your first home, move up the property ladder or review your existing mortgage, understanding the numbers before making a decision is essential.

At Your Mortgage Shop, we’re here to help you navigate the changing market with friendly, straightforward mortgage advice.

Get in touch to discuss your options.

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

YourMortgageShop

29/10/2026

Good news for first-time buyers saving with a Lifetime ISA!

One of the changes announced in yesterday’s Budget comes into effect today, 29 October 2026.

Until now, anyone using their Lifetime ISA savings to buy a property costing more than £450,000 faced a 25% withdrawal charge, meaning they could lose some of their own savings as well as the government bonus.

That charge has now been reduced to 20% for qualifying first-home purchases above the £450,000 limit.

So what’s the difference?
If you’ve saved £4,000 and received a £1,000 government bonus, you’d previously have been left with £3,750 after withdrawing the full £5,000.

Under the new rules, you’d receive £4,000 back, assuming no interest or investment growth.

The £450,000 property price limit hasn’t changed, but at least first-time buyers purchasing above it will no longer lose part of their original contributions.

It’s a welcome change for those who’ve spent years saving, only to find that property prices have pushed their dream home beyond the scheme’s limit.

We’ve recently explored the Lifetime ISA rules in our blog, and this latest announcement is an important update.

Read more on the Your Mortgage Shop website, or get in touch for friendly mortgage advice if you’re planning your first purchase.

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

28/10/2026

Today’s Budget has brought some important announcements for people hoping to get onto the property ladder.

One of the biggest is the new £4.7 billion Your First Home scheme, designed to help around 70,000 first-time buyers in England.

From April 2027, eligible buyers could benefit from a government equity loan of up to 20%, with deposits starting from just 2.5% and no interest charged on the equity loan for the first five years.

There’s also news for Lifetime ISA savers.

From 29 October 2026, the withdrawal charge for first-time buyers purchasing above the £450,000 property limit will fall from 25% to 20%, protecting their original contributions.

A new First-Time Buyer ISA is also planned for April 2029, retaining a 25% government bonus for qualifying purchases.

And with measures announced to help households manage rising energy costs, the Budget could also affect the wider financial picture for homeowners.

Of course, new schemes come with eligibility requirements, and a smaller deposit doesn’t automatically mean a mortgage will be affordable or suitable for everyone.

At Your Mortgage Shop, we’ll be following these developments closely and helping buyers understand what they could mean for their individual circumstances.

Thinking about buying your first home or making your next move? Get in touch for friendly, straightforward mortgage advice.

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

27/10/2026

Saving for your first home with a Lifetime ISA?

There’s one rule you really need to know before you start making offers.

Your property must cost £450,000 or less to use your Lifetime ISA savings towards the purchase without a withdrawal charge.

And if you buy above that limit, the 25% withdrawal penalty could mean losing some of your own savings, not just the government bonus.

New research from reallymoving, reported by The Intermediary, found that 34% of first-time buyer purchases in London now exceed the Lifetime ISA price limit.

With discussions taking place about a replacement First-Time Buyer ISA, it’s an issue worth keeping an eye on.

Our latest blog explains the current rules, how the withdrawal charge works and what options you may have if your chosen property costs more than £450,000.

Read the full blog on the Your Mortgage Shop website ( link in bio/stories).

Or get in touch for friendly mortgage advice before taking the next step towards your first home.

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

YourMortgageShop

26/10/2026

An interesting update for landlords and property investors.

The latest figures from UK Finance, reported by The Intermediary, show that the number of new buy-to-let loans increased by 20.6% in the second quarter of 2026 compared with the same period last year.

That’s more than 58,000 new loans, worth a combined £10.7 billion.

However, UK Finance points out that some of this growth reflects a quieter period last year, along with increased remortgaging activity.

So while the figures suggest resilience in the buy-to-let market, they don’t necessarily mean landlords are rushing to purchase more properties.

For existing landlords, the question is whether their current mortgage arrangements still suit their rental income, costs and long-term investment plans.

And for anyone thinking about entering the market, getting the numbers right from the start remains essential.

Speak to Your Mortgage Shop about your buy-to-let mortgage options.

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

25/10/2026

The Lifetime ISA was designed to help first-time buyers save for their first home, with a government bonus added to eligible savings.

But there’s a catch that buyers need to understand.

The property you purchase must cost £450,000 or less if you want to use your Lifetime ISA towards it without a withdrawal charge.

New research from reallymoving, reported by The Intermediary, found that 34% of first-time buyer purchases in London now exceed that limit.

And the £450,000 cap hasn’t changed since the scheme launched in 2017.

Buyers purchasing above the limit cannot use their LISA savings for that home without incurring the usual 25% withdrawal charge, which can leave them with less than they originally saved.

If you’re saving towards your first home, it’s worth checking the rules before setting your property budget.

Your Mortgage Shop can help you understand your mortgage options and plan your first purchase.

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

24/10/2026

You’ve found a property you love. The location is right, the rooms are perfect, and you’re already imagining where the furniture will go.

But do you know enough about the property to make an informed offer?

New research from Landmark Information Group found that 73% of recent home movers wished they’d had more information about the property or location before making or accepting an offer.

And 67% experienced uncertainty or delays after an offer was accepted.

It’s a reminder that buying a home involves much more than finding somewhere you love.

Property condition, leasehold arrangements, local searches, potential issues and the progress of your mortgage application can all affect how smoothly things move forward.

Getting the right information and professional advice early can help you avoid some unwelcome surprises later.

Your Mortgage Shop can help you understand the mortgage side of your next move.

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

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/

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