Excel Mortgages UK Ltd

04/05/2026

Thinking about buying your first home… but not quite ready yet?

That’s exactly the right time to start.

I recently worked with a client who came to me a full year before they planned to buy. Their goal was simple: “get our ducks in a row.” 🦆

By putting a plan in place early, reviewing their finances, and making a few smart adjustments, I helped them turn an £8,000 deposit into £10,000… without costing them a penny extra.

No shortcuts. No risky moves. Just good planning.

If you’re a first-time buyer, getting advice early can make a real difference to what’s possible when the time comes.

Want to know how it works?

Call Laurence to find out more.

01/05/2026

📊 Weekly Mortgage Market Update

It’s been another uncertain week in the mortgage market, with rates moving in both directions and no clear trend emerging.

🔁 What’s happening?

Swap rates (which lenders use to price fixed mortgages) have been volatile again, as markets react to inflation concerns and global events. This has made lenders more cautious.

🏦 What does that mean for mortgage rates?
• Some lenders made small rate cuts earlier in the week
• Others are now pausing or repricing
• Deals are changing quickly and not always sticking around

👉 Overall, we’re seeing a “wait and see” market, rather than steady improvements.

💡 What should you do?

🏠 Remortgaging in the next 6 months?
✅ Secure a rate today
✅ Protect yourself from potential increases
✅ Review or switch if rates improve

🔑 First-time buyers & home movers:

• The market is still moving, but timing it perfectly is very difficult
• Rates can change quickly, so having a plan in place is key
• Getting mortgage-ready early (agreement in principle, affordability checked) puts you in a stronger position when you find the right property

📩 If you want to talk through your options, feel free to get in touch.

30/04/2026

23/04/2026

📉 Mortgage rates update – what you need to know

Over the past few week, markets have shifted again. Swap rates (which drive fixed mortgage pricing) have been volatile, with rising inflation concerns and global uncertainty pushing rates slightly higher. However over the last couple of days these have started to come back down.

👉 What does this mean for you?

If your remortgage is due in the next 6 months, now is the time to act.

✅ You can secure a rate today
✅ Stay protected if rates rise further
✅ We can review the chosen lender and switch for you if better deals come along

In a fast-moving market, the smartest move right now is to lock in early and stay flexible.

📩 Get in touch to explore your options and make sure you’re not caught out.

30/01/2026

Jargon Buster: What Is a Remortgage?

A remortgage simply means switching your mortgage to a different lender. You don’t have to borrow more — it’s often just about finding a better rate.

If your current deal is ending soon, don’t be put off by the terminology. You have options! A mortgage advisor can help you figure out whether your existing lender has the best deal, or if there’s something better out there for you.

It’s a good idea to start the conversation 3–4 months before your fixed rate ends. That gives us time to find the right deal and complete the remortgage process, which usually takes 6–8 weeks.

If you wait until your deal ends, you’ll move onto the lender’s Standard Variable Rate, often around 6–8% — meaning your monthly payments could jump significantly.

Remortgaging isn’t as scary as it sounds. We’re here to make the process simple, stress free, and tailored to you.

Don’t leave it too late — get in touch and let’s chat about your options. We’re always here to help!

A remortgage simply means switching your mortgage to a different lender. You don’t have to borrow more — it’s often just about finding a better rate.

19/01/2026

Is your low rate coming to an end?

Don’t panic … speak to a mortgage advisor!!

We are seeing the very low interest rates set up in 2020 onwards coming to the end of their fixed periods.

Don’t worry - talk to us!

The best time to discuss your next rate is 3-4 months before your fixed rate ends. There are things we can do to help with the increased monthly payments as well, so it pays to speak to an advisor.

It’s never been a better time to get advice!

We are seeing the very low interest rates set up in 2020 onwards coming to the end of their fixed periods. But don’t worry – talk to us!