Beth Davies - Mortgages and Protection

07/04/2026

Here’s today’s quick update on interest rates:

2 year fixed around 5.2% to 5.8%

5 year fixed around 5.2% to 5.7%

Signal: Slight upward pressure, still changing day to day.

What it means:

Feels like more of a speed game right now. Deals moving quickly and not much time between DIP and products being pulled.

If you’re due to remortgage soon, it’s best to secure a rate now. If the rate decreases before your fixed rate ends, then the new rate can be applied.

27/01/2026

Mortgage eligibility is one of the most common questions we’re asked and one of the most misunderstood.

From income and deposits to credit history and employment type, UK lenders all assess eligibility slightly differently. There’s no single definition of the “right” borrower, which is why outcomes can vary so widely.

If you’re looking to get on the property ladder in 2026, please get in touch and start your property journey now ☺️

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS.

📞07967 995182

💻 [email protected]

Maven Financial Group Limited which is registered with the Data Protection Act 1998 registration No. ZB495682 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 987341 an Appointed Representative of Cornerstone Finance Group which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 767202. Cornerstone Finance Group is registered in England and Wales No. 08458702.

19/01/2026

This is why “I’ll do it later” is the most expensive decision.

You can delay buying life or critical illness insurance, but you can’t pause health or age.

Every year you wait, premiums rise and options shrink.

The best time to act was yesterday.

The next best time is now.

Acting early gives you more options, more savings, more control and more peace of mind.

📞07967 995182

💻 [email protected]

19/01/2026

📉 Mortgage Rates Are Starting to Fall – Now Could Be a Great Time to Act!

A number of major mortgage lenders have recently announced reductions to their fixed mortgage rates, with more expected over the next 4 weeks — which could make a real difference if you’ve been waiting to buy or remortgage.

🏦 Recent lender announcements include:

• Nationwide Building Society & HSBC have cut fixed mortgage pricing across a range of products for movers, first-time buyers and switchers.

• NatWest, Barclays, Nationwide, Halifax & HSBC are all competing on price with lower rates across key purchase and remortgage deals.

• Industry reports highlight that price competition among lenders is intensifying, pushing multiple major high-street lenders to slash rates as the market adjusts to base rate expectations and swap rate movements.

🔑 What this means:

✅ If you’ve been holding off on buying, you might now be able to secure a lower fixed rate than you’d have seen recently.

✅ If your current mortgage deal is ending soon, or you’re thinking about remortgaging, now is a good time to see what’s available.

📞 For whole-of-market advice and to see what deals might suit you best, drop me a message.

I’m a whole-of-market mortgage broker and here to help you find the best mortgage solution for your situation.

15/01/2026

Brilliant news for mortgage brokers and homebuyers!

The Property Ombudsman has issued a clear reminder that buyers have the right to choose their own mortgage broker, solicitor, and insurance provider, and that estate agents cannot make in-house services a condition of an offer being accepted.

Conditional selling has no place in a fair market.

Buyers should never feel pressured or manipulated into using specific services just to have their offer considered.

Advisers work so hard to build relationships with their clients, understand their needs, and source the most suitable mortgage options for their circumstances.

That trust should never be undermined by aggressive estate agency tactics.

This is a welcome move that brings clarity and protection and I hope we see it lead to more transparency and better outcomes across the board.

The Property Ombudsman has reminded buyers of their right to use the mortgage broker of their choice after a Panorama documentary last year exposed some

10/01/2026

Alongside the devastation of grief, a critical illness diagnosis, or being unable to work due to an illness or injury, there’s the constant, crushing question of how do we cope financially while everything else is falling apart?

Insurance wouldn’t change the outcome.
But it would change the pressure.
The choices.
The fear of bills arriving when you’re already at breaking point.

📞07967 995182

💻 [email protected]

05/01/2026

Divorce enquiries significantly increase after Christmas, particularly in January 😔

A trend dubbed “divorce month” or “divorce day” due to heightened holiday stress, financial strain, forced togetherness, and unrealistic expectations push strained relationships to their breaking point.

It’s extremely difficult to know how to navigate things such as affordability in relation to moving out of the family home and living on your own.

At such an uncertain time, if affordability is on your mind, and you would like a chat, please get in touch.

📞07967 995182
💻 [email protected]

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

21/12/2025

A heartfelt thank you to all of my clients for your continued trust, all of my lender and insurance provider BDM’s for your ongoing support, and my family and friends for never letting me think I was doing this alone.

Grateful for a strong year of reflection, growth and results in 2025 🙌🏼 Looking forward to seeing what 2026 brings. 🙏🏼🚀

Wishing you all a very Merry Christmas. Rest well, enjoy family time, make lots of lovely memories and I look forward to reconnecting in the New Year.

And to those I’ve not yet had the pleasure of working with, let’s change that in 2026.

📞07967 995182
💻 [email protected]

19/12/2025

A few pointers regarding the Bank of England Base Rate change from yesterday...

* If you're on a Tracker Mortgage linked to the BoE Base Rate, your future payments will reduce by 0.25% but your lender will tell you when this takes effect for you.

* If you're on a Lender Standard Variable Rate, unless the Ts & Cs from your Lender specifically link it to the BoE Base Rate, your payments may not change (it's down to lender discretion).

* If you're on a Fixed Rate Mortgage, your payments won't alter now, but it may affect the deals available to you in the future when your present rate ends.

* If you're mid-way through a Purchase or a Re-Mortgage process, your Broker should contact you if your terms can be improved upon.

* Base Rate changes don't necessarily affect the cost of a Fixed Rate Mortgage - many 'expected' base rate changes are priced in probably around a week before an announcement like today.

Happy Friday.... 😊

11/12/2025

As from April 2027, pension funds will be forming part of your estate for IHT (inheritance tax) purposes.

With this in mind, discussions need to be had in terms of whether your children are set to receive a large inheritance tax bill when you pass away..

If you think this may relate to you…. Let’s have a chat.

There are insurance policies that can be put in place to negate a large IHT bill.

📞07967 995182

💻 [email protected]

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

02/12/2025

I cannot stress this enough… Choose your Solicitor wisely.

I’ve recently had a client purchase a new property, and instead of accepting a Solicitor from the panel of conveyancers that I recommend to all of my clients, he decided to chose a Solicitor of his choice 🫣 He’s even said himself that this was the biggest mistake he’s made.

I can quite honestly say, I’ve never experienced anything like it.

Cheapest isn’t always best and choosing wisely can mean less chance of unnecessary delays and you move in to your new house within around 6 weeks, rather than 6 months…🤦🏼‍♀️🥴🫠😩

I’m not saying you HAVE to use a solicitor from my panel, but please, please ask around, ask people for their personal experience before choosing a Solicitor. A Solicitor gets paid BIG bucks to do their job. So it’s only right that they do a GOOD job.

My job as a Mortgage Broker doesn’t just mean, I get you the mortgage and that’s it… I continue to chase Solicitors for updates to keep things moving and I will support you through each step of the whole process until exchange and completion.

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