Vikki Stanley- Errington Stanley Mortgages & Protection

07/08/2025

🏡💷 How a Base Rate Cut Affects Your Mortgage 💷🏡
The Bank of England just cut its base rate — but what does that mean for your mortgage?

👇 Here's the breakdown:

✅ Tracker Mortgages – These follow the base rate directly. If the base rate drops, your monthly payments will likely go down too!

✅ Standard Variable Rate (SVR) Mortgages – Lenders often adjust SVRs after a base rate change. You might see a reduction in your payments, but it's not guaranteed.

❌ Fixed Rate Mortgages – No change here (for now). This is unlikely to affect currently available fixed rates as today’s cut was widely expected.

18/04/2025

Ready for your dream home? 🏡

As a trusted mortgage advisor, I offer access to a wide range of leading lenders, ensuring you find the best mortgage solution tailored to your needs.

Let’s work together to turn your homeownership dreams into a reality. 💼🔑

17/04/2025

What is an EPC? 🏡✨

An Energy Performance Certificate (EPC) shows the energy efficiency of a property in the UK, helping you understand its running costs and environmental impact.

It’s essential when buying or selling a home, as properties with higher ratings are often more attractive to buyers due to lower energy costs. 📊💡

✨ If your home has an EPC rating of A or B, you could be eligible for better mortgage rates. ✨

15/04/2025

Understanding your credit report is essential for securing the best mortgage rates. 🧐💳

Familiarise yourself with the codes on your report to better understand your credit health and make informed decisions for your homebuying journey. 🏡✨

14/04/2025

Improving your credit score is a crucial first step toward securing the best mortgage options.

Here's how to get started

10/04/2025

An Agreement in Principle (AIP) is a lender’s indication of how much they might be willing to lend you based on a soft credit check. 💰✅ It’s not a guarantee, but it helps you understand your budget and shows sellers you're a serious buyer! 🏠✨

You might also see it called a DIP (Decision in Principle) or MIP (Mortgage in Principle) — they all mean the same thing! 🔁✔️

07/04/2025

📊 Unlock Your Full Credit Report in One Go! 🔍

Did you know your credit report looks different with each agency?

Instead of checking Experian, Equifax, and TransUnion separately, Checkmyfile combines all three for a complete view! 💳✨

Checking your full report regularly can help you spot errors, improve your score, and take charge of your financial future! 🚀💰

02/04/2025

🏠 Looking to step onto the property ladder?

Here's an example of how a £250,000 property could look with a mortgage plan.

Ready to explore your options? Let’s chat!

📩 Get in touch:
🌐 erringtonstanley.com
📧 [email protected]
📞 07979 956724

01/04/2025

🇬🇧 UK Stamp Duty Changes Today 📉🏡💰

Here’s what you need to know:

🔻 Lower tax-free threshold – Drops from £250K to £125K

📈 Higher tax rates – More tax on property purchases over £125K

🚫 First-time buyer relief cut – Exemption now only up to £300K (was £425K)

🏠💸 Higher tax on second homes & buy-to-let – Extra costs for investors

31/03/2025

26/03/2025

🏡💡 Mortgage Myth Busting: Separating Fact from Fiction! 💰🚫