Holly O’Neill - Mortgage Adviser

18/06/2026

🔔 Great News 👏

The Bank of England base rate is 3.75%. But what does that actually mean for your mortgage?

This guide breaks it down - from what the BoE does, to how rate changes could affect your payments, to what your options are.

Worth a read if you're buying, remortgaging, or just want to understand the bigger picture.

Questions? Get in touch.

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

05/06/2026

We often talk about timings with mortgage clients. Is it too early to start looking at mortgage options?

Sometimes people aren't planning to move immediately, but they want to understand what might be possible and what they should be doing now to prepare.

You don't have to be ready to make an offer on a property tomorrow to start asking questions. Sometimes having a clearer picture of your options may help you make future decisions.

If you're thinking about moving in the next year or so and would like to understand your options, we're always happy to have a conversation.

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

14/05/2026

Did someone say Newsletter?...📨

A helpful guide for both medical and non-medical professionals.

Mortgages for Doctors & Medical & General Independent Financial Advisers

08/05/2026

01/05/2026

Some of the coffee conversations we've had in the office this week:

→ How do we explain affordability when someone's income is mainly locum work?

→ What's the simplest way to show a first-time buyer what they can actually borrow?

→ Can we get their Decision in Principle through before they view on Friday?

Every application is different. Every situation is unique.

If you've got questions about your mortgage, get in touch.

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

20/03/2026

Did you know?

12/01/2026

It words like this which makes me love what I do! Thank you for your kind words 🩵

12/12/2025

Many congratulations to my lovely clients who completed on their first home today - just in time for Christmas 🎄

Best wishes in your lovely new home🏡 Thank you for sharing with me this lush photo of your fantastic news 👏

25/11/2025

Help to Buy Alternatives 🏠

Even though Help to Buy has closed, there are still ways to get on the ladder:

👉 Shared Ownership

👉 First Homes Scheme

👉 Loan to Value Mortgages

💬 Message us today to explore your options and start your journey.



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/10/2025