Steve Wand - Mortgage & Protection Adviser

06/04/2026

Currently in 🇹🇭 Ko Sumui with family and the best friends. I am still working in the morning between spending time with nature, cuddling elephants and relaxing!

19/03/2026

19/03/2026

18/03/2026

Mortgage rates are unpredictable right now, with global factors causing constant changes 📊

If your current deal is ending within the next 6 months, now is the time to review your options. There are still competitive rates available—but no one can say for certain where things are heading.

Don’t leave it to chance. Secure peace of mind by locking in a new deal sooner rather than later.

Get in touch today to explore your options and see how much you could save 💬

09/03/2026

“Interest rates going up doesn’t affect me… I only ever pay the same monthly payment.” 😅

If only it worked like that…

With mortgage rates increasing again and lenders already starting to raise fixed rates, now is the time to review your options — especially if your deal ends in the next 3–6 months.

The good news is you don’t have to wait until your mortgage ends to secure a new rate. In many cases you can lock in a deal now and switch later if things improve.

✔ First time buyers
✔ Remortgages
✔ Adverse credit
✔ Debt consolidation

If you’re worried about rising payments or want to see what’s available, send me a message and I’ll happily run through your options.

📩 Drop me a DM for a free mortgage review.

05/03/2026

Interest Rate Update

I’m currently receiving a lot of emails from lenders advising that they are increasing their fixed mortgage rates. This is largely due to swap rates rising, driven by ongoing uncertainty in the financial markets.

If your current mortgage deal is coming to an end within the next 3–6 months, it would be sensible to start reviewing your options sooner rather than later and secure a new rate.

The good news is that if rates do improve before your remortgage completes, you can usually switch to a lower rate with the lender prior to completion.

If you’d like some advice or want to explore your options, please don’t hesitate to get in touch — I’d be happy to help.

Steve Wand
📱 07813 333823
📧 [email protected]

03/03/2026

🏡 Top Tips for First-Time Buyers 🏡

Buying your first home is exciting – but it’s important to get the foundations right.

✅ Get a Decision in Principle (DIP)Speak to a mortgage adviser (like myself!) and find out what you can realistically borrow. This gives you a clear idea of the type and price range of property you can confidently look at.

✅ Check Your Deposit Matches Your PlansMake sure your deposit aligns with the borrowing amount you’re aiming for. A larger deposit can often unlock better rates and more lender options.

✅ Work Out Your True BudgetIt’s not just the mortgage payment. Factor in council tax, utilities, insurance, maintenance, and general living costs. You want to feel comfortable, not stretched.

✅ Be Realistic About the Property TypeDon’t take on more than you need. Make sure you can still enjoy your lifestyle, holidays, and the things that matter to you. Your home should give you freedom – not feel like a financial prison.

✅ View, View, View!With the lighter spring evenings on the way, make the most of it and view as many suitable properties as you can. It’s the best way to understand value and what feels right.

If you’re thinking about buying your first home and want tailored advice, feel free to message me. I’m here to help make the process smooth and stress-free.

27/02/2026

💡 Thinking about consolidating debts into your mortgage?
Here’s why some homeowners choose this option ⬇️

✅ Lower interest rates
Mortgage rates are usually much lower than credit cards or personal loans.

✅ Smaller monthly payments
Spreading debt over a longer term can ease monthly cash flow.

✅ One simple payment
Less juggling, easier budgeting, fewer missed payments.

✅ Reduced financial stress
Fewer lenders. Fewer due dates. More peace of mind.

✅ Better short-term affordability
Lower monthly commitments can improve your overall financial breathing room.

⚠️ Always get advice first — consolidating debt means securing it against your home.

📩 Want to know if it’s right for you? Let’s talk.

Mob 07813333823
Email [email protected]

10/02/2026

Today I want to highlight the Construction Industry Scheme (CIS) and how the right financial advice can make a real difference for self-employed construction workers looking to maximise their income and achieve their dream of homeownership.

It’s estimated that 37% of construction workers are self-employed, and around 22.5% are paid through the CIS — that’s approximately 1.2 million people who could benefit from specialist mortgage advice tailored to their situation.

Many construction professionals aren’t aware that the CIS can actually work to their advantage when applying for a mortgage. With the right support, it’s possible to present your income accurately and access the borrowing potential you truly deserve.

If you work in construction and want to understand how your CIS income could help you get on the property ladder — or if you know someone who might benefit — please get in touch. I’d be happy to offer guidance and help you make the most of the opportunities available.

📞 Steve Wand
Mortgage & Protection Adviser
📧 [email protected]
📱 07813 333823

✨ Putting a touch of magic into your mortgage application ✨
Mortgage Advice Bureau mortgages mortgagebroker mortgageadvicebureau mortgageadvice get in touch for more information!

06/02/2026

Mortgage affordability is improving, and the outlook this year is really positive. A growing number of lenders are now offering maximum loans of up to six times your income, which is fantastic news for first-time buyers and those looking to take the next step up the property ladder. With interest rates starting to fall, you could be closer than you think to making your homeownership dreams a reality.

If you’re interested in finding out how much you could borrow, simply get in touch, and I’ll run through the numbers with you and help put you in the best possible position to turn that dream into reality.