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17/10/2026

🚀 An Exciting New Chapter for MFP!

We’re delighted to announce that our Managing Director, Phil Miller, is taking on a new focus within Miller Financial Planning.

After more than 28 years in the mortgage and protection industry, Phil will be stepping back from day-to-day client advising to concentrate on growing the business, supporting our fantastic team and shaping the future of MFP.

Since founding his own business in 2009 and launching MFP in 2015, Phil has built a business centred on trusted relationships, personal service and putting clients first. We’re incredibly proud of everything he’s achieved and excited about what lies ahead.

Phil won’t be disappearing! He’ll continue to support our clients and team, while our experienced advisers remain on hand to guide clients through their mortgage journeys.

Here’s to the next chapter and an exciting future for Miller Financial Planning! 🙌

14/10/2026

⭐ Over 100 five-star Google reviews! ⭐
A huge thank you to everyone who has taken the time to leave Miller Financial Planning a review. 💜

We’re delighted to have reached over 100 five-star reviews on Google, and we’re so grateful to our clients for trusting us with such an important part of their lives.

Whether it’s finding your first mortgage, moving home, remortgaging or reviewing your protection, we’re proud to help our clients feel informed, supported and confident at every step.

Your kind words mean a lot to our whole team, and we look forward to helping many more people on their financial journeys. 🏡

Thank you for choosing MFP!

12/10/2026

👋 Introducing the newest member of the MFP team – Sam Smith! 🏡

We’re delighted to welcome Sam to Miller Financial Planning as our newest Apprentice Office Administrator!

Having recently completed his GCSEs, Sam is now beginning his career in financial services, studying towards his apprenticeship with the LIBF.

Sam has a keen interest in becoming a mortgage adviser and is looking forward to learning from our experienced team, developing his knowledge and gaining the skills needed to build a career in the industry.

Outside of work, Sam enjoys going to the gym, spending time with his family and gaming. 🎮💪

We’re excited to support Sam as he starts this next chapter and look forward to seeing him grow and develop as part of the MFP team.

Welcome aboard, Sam! 👏

05/10/2026

🏠 Mortgage rates are moving again — and buyers could feel the difference

The mortgage market has seen some significant changes over the past few weeks.

📈 The average 5-year fixed mortgage rate has now reached 6%, its highest level since 2023.

The average 2-year fixed rate has also climbed to 5.98%.

Perhaps more significantly, around 1,500 fixed-rate mortgage deals priced below 5% have disappeared since the start of September as lenders continue to adjust their pricing.

So, what does this mean if you’re buying, remortgaging or coming to the end of your current deal?

It means it’s more important than ever to make sure you’re looking at current mortgage options rather than relying on an older AIP or previous rate.

If you’re:
🏡 Buying a home
🔄 Coming towards the end of your fixed rate
💷 Concerned about affordability
📋 Sitting on an older mortgage agreement in principle
🔍 Wondering whether to fix or consider other options

…it could be worth reviewing your position.

Mortgage rates can change quickly, and the right option will depend on your individual circumstances.

27/09/2026

🏡 A new helping hand for first-time buyers?

The government has announced plans for a new scheme called Your First Home, aimed at helping more first-time buyers get onto the property ladder.

The proposed scheme could allow eligible buyers to purchase a new-build home with a deposit as low as 2.5%, alongside a 20% government-backed equity loan.

The government says the equity loan will initially be interest-free, which could reduce the monthly cost compared with taking out a 95% mortgage alone.

There will be some important criteria, including:
🔑 The property must be a new build from a participating developer
💰 Household income and local property price caps will apply
🏡 The scheme is intended for first-time buyers in England
📅 Full details, including eligibility and when the scheme will launch, are expected to be announced at the October Budget.

It’s an interesting development for anyone who has been struggling to build a large enough deposit — but the scheme isn’t open yet, and there are still details to be confirmed.

If you’re a first-time buyer, it’s worth understanding what mortgage options are currently available to you rather than waiting for the new scheme.

Your home may be repossessed if you do not keep up repayments on your mortgage.

19/09/2026

How to Find a Mortgage Lender That Will Work With Your Situation 🏡

Not every lender has the same criteria — and that can be particularly important if your circumstances don’t fit neatly into a standard application.

Things such as:

💼 Being self-employed or having a less traditional income
🏠 Looking to buy a non-standard property
💳 Having a less-than-perfect credit history
💰 Relying on bonuses, commission or overtime
👥 Applying with someone who has different financial circumstances
📈 Looking to borrow a larger amount

The key is finding a lender whose criteria matches your circumstances, rather than simply choosing the lender with the lowest advertised rate.

Mortgage lenders can have very different approaches to income, credit history, property types and affordability.

Doing your homework before applying can help you understand which options may be available to you — and avoid unnecessary applications.

14/09/2026

“Josh was superb. He guided us through the whole process of securing a mortgage even navigating a couple of bumps along the way. Also due to his quick thinking, we were also able to secure a good interest rate even with the current economy. 10 stars if I could!” - Ashley. D

10/09/2026

Mortgage Protection Insurance vs Life Insurance: What’s the Difference? 🏡

The two terms are sometimes used interchangeably, but they’re not necessarily the same thing.

❤️ Life Insurance
Life insurance can provide a lump sum to your loved ones if you die during the policy term. This money can be used towards the mortgage, household bills, childcare or other financial commitments.

🏡 Mortgage Protection Insurance
This is a broader term often used to describe insurance designed to help protect your ability to meet your mortgage payments. Depending on the policy, this could include life cover, critical illness cover or income protection.

💡 So which one do you need?

There isn’t a one-size-fits-all answer. The right type and level of cover will depend on your mortgage, income, family circumstances and what financial risks you want to protect against.

It’s worth understanding the differences before deciding what’s right for you.

07/09/2026

Do I Really Need Mortgage Protection Insurance? 🏡🛡️

Taking out a mortgage is one of the biggest financial commitments you’re likely to make — but what would happen if you could no longer work, became seriously ill, or sadly passed away?

Mortgage protection can help provide a financial safety net for you and your family.

Depending on your circumstances, this could include:

❤️ Life Insurance – helping your loved ones repay the mortgage if you pass away.

💙 Critical Illness Cover – providing a lump sum if you’re diagnosed with a specified critical illness.

💚 Income Protection – helping replace part of your income if illness or injury means you’re unable to work.

There’s no one-size-fits-all solution. The right cover depends on your mortgage, income, family circumstances and budget.

The important question isn’t just “Can I afford the insurance?” — it’s also “Can I afford not to have it?”

A little bit of planning now could make a big difference if the unexpected happens.

19/08/2026

📈 UK inflation rises — but what does it mean for mortgage rates?

UK inflation has risen to 2.9%, adding a little more uncertainty ahead of the Bank of England’s next interest rate decision.

However, the cooling jobs market and slowing wage growth could mean the Bank is less likely to raise rates in the short term.

For mortgage borrowers, it’s another reminder that rates can be influenced by a number of factors — from inflation and employment figures to global events and energy prices.

The Bank of England’s next decision is due on 17 September, so there’s plenty to watch over the coming weeks.

As always, if you’re coming to the end of a fixed-rate deal or considering your mortgage options, it’s worth looking at the bigger picture rather than trying to predict exactly what rates will do next. 🏠

Address

Eastlands Court Business Centre St. Peters Road
Rugby
CV213QP

Telephone

+441788577775

Website

http://www.millerfp.co.uk/, http://calendly.com/mortgage-initial-chat/30min

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