Honeybee Mortgage Solutions

09/06/2026

I have had a very productive morning reserving better rates for clients who are staying with their current lender, re-mortgaging or moving house .

Because I keep an eye on rate changes daily, I can lock in improvements as soon as they appear.

Today alone, I saved several of my clients between £15 and £50 a month by moving them onto lower rates, before the ones we previously secured take effect. No work for them involved at all.

This is one of the areas a broker can work for you, we aren't just securing the lowest rates on the market, we're making sure you get the right rate on the day of application but then monitoring this right up to completion.

15/05/2026

How to prepare for your mortgage payments increasing.

Over the next few months, a huge number of homeowners will be moving off very low fixed rates, many under 2%.
If your deal is ending soon, it’s completely normal to feel unsure about what the jump might look like.

A little preparation now can make the transition much smoother:

Check your deal end date
Many lenders allow you to secure a new rate up to six months early. This will secure a rate now, while still allowing you to take a new one should they reduce before you complete.

Review your monthly budget
Even a modest rate increase can change your payments.

Get your documents ready
Up‑to‑date payslips, bank statements and ID help avoid delays.

Understand your options
Different lenders take different approaches to affordability, especially in the current climate.

Don’t leave it to the last minute
Early planning gives you more choice and more control.

If your current rate is below 2%, you’re part of a large group of homeowners facing the same shift so you don't need to feel alone.

05/05/2026

Honeybee Mortgage Solutions has grown so much over the past six years, and with the business continuing to go from strength to strength, it felt like the right moment to refresh my headshots, especially as the last one was taking by me in my kitchen, afterall its not just the business that's 6 years older ;)

A huge thank you to Rachel Thornhill Photographyfor the fantastic photos. Professional, warm, and effortless from start to finish.

If you’re looking to elevate your personal or business brand, Rachel is someone you’ll want in your corner.

20/04/2026

Overpaying on your mortgage is a great way to reduce your term and I am a huge fan of this but it is important to speak to your lender to make sure they are having the impact you want, either reducing the term or reducing the monthly payment.

20/04/2026

Overpaying your mortgage can knock years off your term and I am a huge fan of them but it is important to understand how your lender will treat them to make sure they have the impact you want, either reducing the term or reducing your monthly payments.

23/03/2026

Although base rate was held last week, we are still seeing lenders further increasing rates with some withdrawing from the market completely.

This is a really good article that explains the reasons behind this and what the true drivers of fixed rates are.

https://www.theguardian.com/lifeandstyle/2026/mar/19/why-mortgage-rates-going-up-bank-of-england-base-rate-same?fbclid=IwY2xjawQuQS5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEenWmhcX_TUcZra6Tz910zthJv1QyBnk1w5CA5_9gC13tMVL5O-Lkie22o7EM_aem_jpbsP2E65yKXsrytG3nYEQ

To understand this you need to know about swap rates and the impact of the war in Iran

13/03/2026

📈 Rates Have Jumped Big Time This Week

It’s been a wild one for mortgages with some lenders increasing rates multiple times in a week, some withdrawing all fixed rates and some rates up by as much as 0.35% overnight. These changes have been coming through fast and more lenders are increasing their rates next week.

If your mortgage is due to expire in the next 6 months, it’s no surprise if you’re getting a bit worried.

Right now it’s all about moving with a bit of urgency, but not panicking. The market is super reactive at the moment, and lenders are adjusting prices quickly in response.

The good news is you can protect yourself from these sudden jumps:�👉 A rate can be reserved now to shield you from any more rises.�👉 And if things stabilise before your new deal starts, you’re not stuck, your rate can still be reviewed.

This gives you a buffer while the market does its thing, so you’re not caught out by these overnight hikes.

06/03/2026

Letting someone work on your home isn’t just a financial decision — it’s a personal one.

Whether it’s a builder, plumber, or decorator, you’re not just trusting them with bricks and mortar. You’re trusting them with your safety, your privacy, and often, direct access to your family.

That’s why it’s critical to choose tradespeople with care.

Check credentials
Look for verified reviews
Ask for references
Don’t be afraid to say no

The wrong choice can lead to poor workmanship, spiralling costs, or worse — a breach of trust inside your own home. The right choice protects your property, your peace of mind, and your loved ones.

Five Star Approved is coming May 2026 to help make that choice easier — with verified local professionals who meet the highest standards of trust, quality, and accountability.

06/03/2026

📈 Rates Have Increased This Week — Here’s Why Waiting Could Cost You

A little reminder: interest rates are changing every single day, and this week we’ve seen another upward shift.

It might feel tempting to wait for the “predicted” rate cuts… but predictions are just that — predictions. They change constantly, and there are no guarantees. By waiting, you could end up facing higher rates instead of lower ones.

Here’s the good news 👇
✨ Your broker can monitor rates for you.�You can secure a rate now to protect yourself against further rises — but if rates drop before your mortgage starts, you can still switch to the lower rate.
So you’re protected either way:�✔️ Safe from future increases�✔️ Still able to benefit from reductions

If you’re unsure what today’s numbers mean for you or you want to make sure you’re not paying more than you need to, I’m here to help.

05/03/2026

📈📈📈📈📈
We have seen a number of lenders increase their mortgage rates this week, with both Nationwide and HSBC advising of rate increases from tomorrow so if you are waiting to reserve a quoted rate, you need to act fast.

Economic predictions are based on current, known circumstances and can change overnight so if you are waiting for rate cuts but stability is important to you, it's a good time to start the conversation around when to secure your rates.