Adept Private Finance

08/07/2026

IT'S NOT ALL DOOM AND GLOOM

Despite what some large media corporations might be negatively reporting, the Bank of England (who's opinion we should value more!) has now suggested the following:

https://www.mortgagesolutions.co.uk/mortgage-news/2026/07/07/mortgage-repayments-to-rise-just-45-over-the-next-two-years-boe-says/

Adept Private Finance is a trading style of I-Property Finance Limited, which is authorised and regulated by the Financial Conduct Authority. Our Financial Register Number is 734423.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

A larger number of households are projected to see their mortgage repayments rise by the end of 2028, but the increase will be relatively low.

12/06/2026

First Time Buyers - Is your rent payment due to increase? Could you look to buy a home instead?

https://www.mortgagesolutions.co.uk/mortgage-news/2026/06/11/tenants-face-5-rent-increases-in-uks-most-affordable-rental-markets/

We understand how challenging it can be for first-time buyers to save for a deposit, particularly when you're already paying rent each month. Home ownership can sometimes feel out of reach, but there are now a range of schemes available that may help you take that first step onto the property ladder.

Many lenders offer options designed specifically for first-time buyers, including reduced-deposit schemes where the minimum deposit can be as low as £5,000. Some lenders may even consider applications with no deposit at all if you have a strong track record of paying your rent on time, typically for at least 18 months.

Of course, all mortgage products are subject to individual lender criteria and affordability assessments. If you'd like to explore your options and find out what may be available to you, please call us on 07973 502949. We'd be delighted to help you on your journey towards owning your first home.

Adept Private Finance is a trading style of I-Property Finance Limited, which is authorised and regulated by the Financial Conduct Authority. Our Financial Register Number is 734423.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Rents are rising two times faster than the national average in more affordable areas where tenants pay less than £750 a month.

07/06/2026

Here's a snippet of Mark's choir singing at the charity concert on Friday night, and at the The Coach pub in Bridgend afterwards: https://www.facebook.com/reel/1330972872340125

05/06/2026

TGIF!! The working week started a little slower than usual, but it's gone a little busy over the last few days. The weekend is upon us folks, but the weather looks a bit mixed - punishment for that summer sunshine we had a week ago!

Our Director of Mortgages, Mark Lewis has a charity choir concert in Bridgend this evening - good luck to Cor Tadau Trisant for that event, hope all goes well! Then our two intrepid mortgage brokers, Mark and Andrew are off to Chepstow races on Saturday afternoon - any hot tips from anyone, gratefully accepted (or is it pick a colour??). Whatever you're up to this weekend, have a good one!

03/06/2026

We're back.

As we relaunch our company page, we've been catching up on the latest industry news and insights.

This article from Mortgage Solutions on rising mortgage approvals caught our attention and highlights some of the positive momentum we're seeing across the market:

https://www.mortgagesolutions.co.uk/mortgage-news/2026/06/02/mortgage-approvals-rise-in-april-exceeding-six-month-average-boe/

It's an interesting read and a reminder that despite ongoing challenges, there are still encouraging signs within the mortgage and property sector.

We're looking forward to being part of the conversation again.



Adept Private Finance is a trading style of I-Property Finance Limited, which is authorised and regulated by the Financial Conduct Authority. Our Financial Register Number is 734423.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgage approvals for house purchases rose to 65,900 in April, up 3% on March, while remortgage levels were broadly unchanged, Bank of England figures show.

23/12/2025

Hoffwn ddymuno Nadolig Llawen iawn a Blwyddyn Newydd Dda i'n holl gwsmeriaid.

23/12/2025

We would like to wish all our clients and our work colleagues a very Merry Christmas, and a Happy and Prosperous New Year

10/08/2025

📢 Calling All First-Time Buyers!

Are you currently still living at home with family, or are you renting and finding it difficult to save for a deposit? You're not alone—and we may have some great news for you!

🏡 There are now mortgage options available with:
• No deposit at all, or
• A minimum deposit of just £5,000!

Most lenders require a minimum deposit of 5%. However, there’s a mortgage scheme out there that only requires a deposit of £5,000, up to a purchase price of £500,000.

💡 Example:
Most lenders ask for a minimum 5% deposit—so for a £200,000 home, that’s £10,000.
But with this scheme, you may only need £5,000, even for homes priced up to £500,000!
➡️ And that £5,000 can be gifted by a close family member.
Alternatively, if you’ve been renting for at least 12 months and can prove you’ve consistently paid your rent on time, you could be eligible to buy your first home with no deposit required.

📌 Please note:
• The £5k scheme is for first-time buyers only
• New builds are excluded from the £5k deposit scheme
• For both the zero deposit and the £5k deposit schemes, you’ll need a clean credit history
• For both mortgage schemes - Terms, conditions, and exclusions apply
________________________________________

📞 Interested in finding out more?
Get in touch with us today—let’s explore your options and help you get on the property ladder!

Adept Private Finance is a trading style of I-Property Finance Limited, which is authorised and regulated by the Financial Conduct Authority. Our Financial Register Number is 734423.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

24/12/2024

It's that most wonderful time of the year! Adept is now closed until 30th December when we'll open for a few hours between Christmas and New Year. We'd like to thank all our customers for their business throughout 2024, an up and down year for us all, let's hope 2025 can be better. Have a relaxed, enjoyable and Merry Christmas, and see you all on the other side.

Dymunwn Nadolig Llawen a Blwyddyn Newydd Dda i'n cwsmeriaid oll, joiwch y dathlu, diolch am adael i ni edrych ar eich hôl trwy 2024, gobeithio fydd 2025 yn garedig i ni gyd. Mwynhewch a llawenhewch!

09/08/2024

Well, the time is nearly upon us - as some may already know, our Director Mark Lewis is a member of Cor Tadau Trisant, and the choir has been rehearsing hard for some months now, as they've entered the Tenor and Bass Choir Competition (male voice choir comp to you and me) at the National Eisteddfod in Pontypridd. The competition is on Saturday 10th Aug - if you can't come along to the Eisteddfod, you can still see it as it will also be televised live on S4C. There's 10 choirs entered, and the first one should be on the telly about 3ish, Cor Tadau ar due on around 4.15pm. Good luck Mark and the whole choir!