The Mortgage Fixer

15/10/2026

There are so many aspects to this job beyond sorting interest rate deals so I thought I'd try and share a little bit more about what I actually do on a day-to-day basis.

More and more people will admit to asking CrapGPT for mortgage advice - but AI is no substitute for a real professional human when it comes to making and managing the largest financial commitment of your life.

This job is massively rewarding. I get to offer a tiny bit of help to people during big life events - keys to a first home, growing families, weddings, new jobs, separations, bereavements, building extensions, downsizing empty nesters, new BTL investors, moving abroad for work, self-building a dream home.

What an absolute privilege it is to be trusted to give advice to people going about their lives and to be able to add some value and clarity in their decision making.

This week especially I have been fielding difficult questions around rising interest rates. "What should we do?" "How bad is it really?" "Should we switch early in case next year is worse?" "I already have a tracker but considering a fixed" "Is now the right time to buy?" "Will I be paying 6% like the news says?" "How much will my payments go up?" "I like the tracker but I'm worried it's a mistake" "Martin Lewis says..." etc. etc. etc.

In each of these cases I have guided the client through their own specific circumstances in detail - covering all potential scenarios before arriving at a solution. In more than a few cases, the solution has been to take no action.

So my job this week has mostly been offering tangible reassurance by working through the problem with the client in a logical way. This approach takes a lot of time, a lot of care, and a lot of understanding. That is the service in a nutshell, and you won't get that from a robot. 🎤🎤🎤

Please share and like my post if you made it this far - thank you! 🙏

07/10/2026

Mortgage interest rate coming to an end?

Interest rates are quite volatile at the moment so here is a helpful guide explaining how soon you need to think about securing a new deal.

As always, if you are in any doubt, please get in touch and I will be happy to help.

07564189224 / [email protected]

29/09/2026

I've a number of Saturday morning appointments available in October and November for anyone struggling to find the time on weekdays. Call, text or email to book. 07564189224 / [email protected]

⭐️ 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 1pm - 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].

23/09/2026

✨ First-Time Buyers ✨

There are a variety of products designed to help new home owners take that first step onto the property ladder, including help with the deposit and higher stretches on affordability.

It can be quite challenging to decipher the difference between these particular types of products and understand what may or may not be possible, helpful or suitable given your own specific circumstances.

If you think you might be ready to buy a home, but maybe feel a bit lost or perplexed over where to start, please do get in touch to find out how exactly you can make it happen.

07564189224 / [email protected]

17/09/2026

The MPC have today voted to hold the Bank of England base rate steady at 3.75% despite yesterday's concerning news about rising inflation.

This decision continues to benefit borrowers on tracker interest rates who haven't faced a base rate increase yet in 2026.

Meanwhile, fixed rates continue to be quite volatile with heavy increases across most lenders this week.

I'd recommend getting mortgage rate renewals sorted out sooner than later for any borrowers rolling off their current deal in the next three months.

The next scheduled base rate meeting will be 5th November 2026 just in time for bonfire night!🔥💫🍂🎇

[email protected] / 07564 189224

The Monetary Policy Committee voted 6-3 to keep the interest rate at 3.75%.

Find out more:
https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

03/09/2026

No shade to influencers - if you've already being doing it for over two years and have generated a stable income, then no problem!

If you've already bought your home, have a decent contingency and affordability isn't an ongoing concern - fantastic, go and live your creative dreams!

However, any significant changes to employment and finances in the lead up to buying your new home MUST be reported to your lender and could ultimately jeopardise the purchase.

Feel free to get in touch with any questions on how employment / self-employment will affect underwriting decisions - [email protected] / 07564 189224.

01/09/2026

This week I’m waving goodbye to long days, settling the kids into a new school routine, noticing a bit of a nip in the morning air and seeing an uptick in pumpkin / maple flavoured goods… 🍁🎃☕

Here is a quick roundup of what’s been happening in the market over the busy summer period:

• The average house price in Scotland rose to £195k in June representing an annual increase of 2.3%, with property values in Scotland slightly ahead of the total UK average annual increase of 2%.

• Commuting regions within striking distance of Edinburgh and Glasgow continue to show strong growth with Fife, Ayrshire, Lanarkshire, Stirling and Dunbartonshire all seeing annual house price rises above 6%.

• The MPC voted to hold the Bank of England base rate steady at 3.75% at the past two committee meetings in June and July – and is mostly expected (but not guaranteed) to remain unchanged at the next review scheduled for 17th September.

• Inflation rose from 2.3% in June to 2.9% in July, moving further away from the Bank of England’s target of 2% - geopolitical tensions have been contributing to higher food and energy prices, adding further pressure to household budgets.

• Fixed rates have been a bit of a mixed bag due to rising funding costs for lenders: Rate reductions in June, increases in July, reductions in August – creating an unwelcome moving target for borrowers over the summer.

• For new borrowers with a 10% deposit, the UK average two year base rate tracker is now around 4.71% compared with the average two year fixed rate of around 5.21% (actual interest rates depend on lender, LTV and product fees).

I will be looking at my renewals list this week, so any clients shortly rolling off their current deal will be hearing from me over the next few days.

New clients are always very welcome - please do get in touch for any help with mortgage needs:

[email protected] / 07564189224

27/07/2026

"Do I need a broker?"

If you have perfect credit, non-complicated income, a decent deposit and buy a traditional home, then you probably don't NEED a broker, but you might still WANT one for ultimate convenience and time saving. Anything else and you absolutely do need a broker to help you out.

"What does a broker even do?"

The short answer is advice, research and paperwork. I sift through criteria, check eligibility and pricing BEFORE credit search is carried out. I will recommend a deal that is specifically suited to your personal circumstances. I will speak to underwriters and solicitors to keep the process moving along. I will appeal a decline decision if I think you've been turned away unfairly. I will keep on top of your interest rates going forward. I will happily answer ALL of your questions.

"What will it cost me to use a broker?"

Usually I don't charge a fee, but occasionally I will charge a small broker fee of £250 depending on case complexity and loan size. Any deviation on fees is discussed and agreed upfront. Other brokers have different fee structures - always ask if your upfront costs aren't immediately clear.

[email protected] / 07564 189224

18/07/2026

I'm back to work on Monday 20th July after a fabulous holiday in the French Riviera.

My diary is fully booked until the following Monday 27th July - super busy week ahead!

I will shortly to respond to all e-mails and messages received over the past ten days while I've been away.

[email protected] / 07654189224

07/07/2026

🏴󠁧󠁢󠁳󠁣󠁴󠁿 The First Homes Fund in Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿

If you are a first-time buyer in Scotland and could use that extra wee boost with your deposit then don't delay as the scheme will close to new applicants as soon as funding runs out.

Any questions - please do get in touch - 07564189224 / [email protected].

See also https://www.mygov.scot/first-homes-fund for full details.