The Mortgage Fixer

15/04/2026

⭐⭐ Happy birthday to me! ⭐⭐

In my first year of doing this job on my own I've completed a whopping £16,197,361 of new borrowings for my wonderful clients.

This is not just a shameless brag, but also a reminder to myself that I am actually good at what I do despite the creeping imposter syndrome!

I've helped numerous people throughout different stages of their home ownership journey: First-time buyers, newlyweds, separating couples, upsizing growing families, downsizing empty nesters, landlord investors, new deals galore. I've helped people move their ageing parents in with them for end of life care. I've helped people with impaired credit get their foot on the first rung of the ladder.

I've laughed, I've cried, I've sworn an awful lot at the google business profile verification team who don't think I am a real business.

Thank you to all of my supporters, friends, family and clients who have trusted me with their homes over the past year. I genuinely could not live my life the way I want to without all of you excellent people. 🥰🙏

I think I feel a little birthday competition coming on... 👀

08/04/2026

Question: “How long should I lock in my new interest rate?”

Answer: “It depends.”

Everybody wrangles with the 2yr vs 5yr dilemma, even moreso when global economic pressures are creating financial uncertainty and big media headlines.

Ignore the creeping sense of panic and doom, and try to approach the ‘how long’ question rationally and with perspective. Consider:

- How big is my actual mortgage balance?
- What does a rate increase mean in terms of pounds?
- Do I have enough income to absorb an increase?
- Is my income secure or is a drop in earnings expected?
- Will I want to move home in the foreseeable future?
- Am I likely to pay off a large chunk of my mortgage?
- What if rates fell and I had to wait longer to switch deal?
- If rates went up sooner, would it be a total disaster?
- Is peace of mind more important than the lowest rate?
- Would I rather focus on other things than worry about my mortgage rate?
- What is the upper limit for where my payments would stop feeling manageable?
- How high would my mortgage rate need to rise to reach that threshold?

The answer is different for everyone and every outcome carries an element of risk.

You can manage the risk and find balance by focusing on things within your control.

Protect your income, reduce your debt, increase your savings, curb your spending.

Get comfortable with the ‘what-ifs’ and move on. Catastrophising does not help.

If in doubt, have a chat with your local friendly mortgage adviser (me!)

07564189224 / [email protected]

(Unrelated: pigeon of judgement.)

04/02/2026

Unavoidable processing delays at The Mortgage Fixer on a Wednesday afternoon.

23/01/2026

Another lovely review from a client this week that expertly hits the nail on the head.

A good broker adds value by making the mortgage process quicker and easier, and therefore less stressful - all while ensuring you get the best advice and deal.

Most mortgages are not that difficult to arrange, but they do take a lot of time and effort. The simplest option is usually to let someone else (me!) do it for you - especially if circumstances are complicated or urgent.

[email protected] / 07564 189224

Have a good weekend everyone!

19/01/2026

The latest ESPC house price report makes some interesting reading for the Fife property market, highlighting the wide disparity in buyer experience across the Kingdom. East Fife has seen a steady 30%+ increase in prices year-on-year, but properties are taking much longer to sell compared with West Fife, which continues to offer more affordable options with much quicker selling times.

Full report here:

Find out what's been happening in the property market with the latest news from ESPC.

09/01/2026

⭐️ SATURDAY APPOINTMENTS! ⭐️

As a person with a busy home and work life myself, I completely understand that not everyone is available on weekdays. Just a wee reminder that I do offer limited Saturday morning mortgage appointments between 10am and 12pm - telephone or zoom - whatever suits best.

Check availability and book online here: www.themortgagefixer.co.uk/book-an-appointment

Call or text 07564 189224 / e-mail [email protected].

05/01/2026

I'd like to take this opportunity to wish a very happy new year to all of my wonderful clients, friends and supporters. I hope you have all enjoyed some restful time off.

I am now back open for business after three weeks of crazy festive family time starting with a trip to Bruges and ending with Hogmanay at The Stonehaven Fireballs - cheesy photo for internet points.

Over the next day or so I will be replying to any messages and e-mails received while I've been away - I really appreciate everyone's patience while I try to catch up.

Please do get in touch if I can be of any assistance - [email protected] / 07564189224.

12/12/2025

That's a wrap from me folks - I am shutting up shop for the next three weeks for some much needed family time after a crazy year as The Mortgage Fixer.

Wishing all of my wonderful clients a peaceful festive period with loved ones, and I very much look forward to finding out what 2026 has in store.

07/12/2025

🎉 A Big Thank You from Me! 🎉

As we wrap up the year, I want to take a moment to thank every client, supporter, friend and family member that has been a part of this incredible journey.

In 2025 I took my first step into working for myself, and I’m thrilled to share that it has also been my busiest year yet with a 15% uplift in new lending compared with last year.

This growth has meant more people in their new homes and more financial goals achieved. I have also had the privilege of helping people through difficult times and dealing with unexpected curve balls along the way.

And for those wondering… yes, I’m still trying to get Google to verify my business. At this point I think they’re waiting for me to arrange a mortgage for them!

To everyone who reached out for advice, referred a friend, shared a post, or chose me to help with their mortgage needs: THANK YOU! Your support genuinely made all the difference and I couldn't be more grateful. 🥰🥂✨

03/11/2025

December is always one of my busiest months for mortgage renewals as lenders just love to add to the inconvenience of silly season by scheduling the end of your fixed rate for Hogmanay.

We are nearing the end of covid-era five year fixed rates so it's especially important to keep track of your end dates and pencil in your review before seasonal festivities properly kick off.

If you have a December or January end date, please put your mortgage renewal at the top of your to-do list ahead of mince pies and unpacking the tree - 2025 you might hate it but 2026 you will be very grateful!

Existing clients need not remember as I keep track for them - just another benefit of having me as your broker.

Need any help or have any questions? Please do get in touch - 07564189224 / [email protected].

03/10/2025

Looking at the data on your credit report can sometimes feel a bit like this - but you don't need to be Charlie Eppes to interpret it!

Occasional missed or late payments will not usually prevent you from getting a mainstream mortgage - lenders understand that life is hard, s**t happens and not everyone is perfect.

However, things start to become 'problematic' (translation: more expensive) if you miss a few payments in a row. A registered default doesn't mean the end of days, but it does often (not always!) mean a higher deposit, a higher interest rate or both.

Lenders will pay attention to a range of factors including:

- The value of any missed payments, defaults or CCJs
- How long ago was the adverse data registered
- Was there an isolated event or is there a pattern of issues
- How much of your available credit is currently being utilised
- How long have you held your various accounts

If you are confused, or just need a bit of help / insight into your credit data and how this will affect your access to mortgage lending, please get in touch: 07564 189224 / [email protected]