The Mortgage Experts

The Mortgage Experts Offering specialist, independent mortgage advice, without the confusion.

So you can make smart, informed decisions about your next move.

𝗧𝗵𝗶𝘀 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝗶𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 ✨

17/09/2026

If you missed our last post, you might not know that 1.8 million fixed-rate mortgages due to expire this year...

And a lot of homeowners are now asking the same question, what do I move onto next? 🤔

That’s where understanding the difference between a fixed rate and a tracker becomes really important.

A fixed rate gives you certainty because your payment stays the same for the agreed period. Whereas, a tracker can move with the Bank of England base rate, so your payments could go up or down over time.

Choosing which one works for you, really comes down to what you prefer when it comes to certainty, and flexibility, and then how comfortable you are with payments changing, and what you think you might need from your mortgage over the next few years.

So if your fixed deal is one of those ending this year, now is a good time to start understanding the options rather than waiting until the last minute.

Reach out and we’ll put you in touch with an expert who can talk you through your options 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

A lot of homeowners coming off fixed rates this year, are facing a VERY different market to the one they originally walk...
16/09/2026

A lot of homeowners coming off fixed rates this year, are facing a VERY different market to the one they originally walked into 👀

Around 1.8 million fixed-rate mortgages are due to expire in 2026, and many of those were taken out when rates were much lower than they are today. That means some borrowers are likely to see an increase in monthly payments when they come to remortgage.

So, what should you do if that’s you?

1️⃣ Don’t wait until the last minute
2️⃣ Start reviewing your options around 4–6 months before your current deal ends
3️⃣ Look at whether a product transfer or remortgage makes more sense
4️⃣ Understand what your new monthly payment could look like

Some borrowers are choosing to extend their term or make other changes to help manage payments, but that can have longer-term cost implications, so it’s important to look at the full picture rather than just the monthly figure.

If your fixed rate is ending this year and you’re not sure what to do next, get in touch. We’ll help you understand your options and what might work best for your circumstances 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

15/09/2026

🎓 Lenders are normally more interested in your monthly student loan payments, than the total balance

That monthly repayment is treated as one of your regular commitments, so it can affect how much you’re able to borrow, alongside things like credit cards, car finance, and other monthly outgoings.

So before you start looking seriously, it’s worth getting a clear idea of what your student loan means for your affordability, because having one is really common and it doesn’t automatically make you a weaker applicant.

If you want to know how your student loan could affect what you might be able to borrow, get in touch and we’ll put you in touch with an expert who can talk you through it 👇🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

🚨 Around 34% of UK adults, either expect to still have housing costs in retirement, or are already paying them, and 39% ...
10/09/2026

🚨 Around 34% of UK adults, either expect to still have housing costs in retirement, or are already paying them, and 39% don’t know how they’ll cover their rent or mortgage once they stop working 🚨

That’s a massive reminder to make sure that you review things as early as possible

A good place to start is by checking:

1️⃣ when your current mortgage is due to finish
2️⃣ what age you expect to retire
3️⃣ whether your current monthly payment would still feel affordable then
4️⃣ whether reducing the term, overpaying, or remortgaging could help
5️⃣ what your income is likely to look like once you stop working

You don’t need to have the whole plan figured out today, but you do need to know where you stand.

If your mortgage term runs beyond when you expect to retire, and you’re not sure what your options look like, we’ll help you review your current position and talk you through what might make sense for your circumstances.

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

New statistics are in, and they're showing us just how important 90%+ mortgages have become for buyers trying to get ont...
09/09/2026

New statistics are in, and they're showing us just how important 90%+ mortgages have become for buyers trying to get onto the property ladder 🏡

For buyers, this means that you might not need the 15% or 20% deposit you assumed you did beforehand.

Of course, having a smaller deposit doesn’t automatically mean you’ll qualify for a 90%+ mortgage... because lenders will still look at things like your income, affordability, credit history and monthly commitments.

But if the size of your deposit is the thing that’s been putting you off buying, it’s worth finding out where you actually stand before assuming you need to keep saving for years.

Reach out and we’ll help you understand what deposit you might need and what options could be available based on your circumstances 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

The base rate gets a lot of attention in the headlines...But for most buyers and homeowners, the more useful question 'w...
05/09/2026

The base rate gets a lot of attention in the headlines...

But for most buyers and homeowners, the more useful question 'what does it actually mean for your mortgage?' 🤔

If you’re on a fixed deal, nothing normally changes straight away. If you’re on a tracker or variable rate, you might feel the impact sooner, and if you’re buying or remortgaging, lenders can still move their own rates even when the Bank of England does nothing.

What matters most is the deal you’re on now, when it ends, what’s available in the market, and what your own circumstances look like.

So if you see headlines and wonder whether you should act, wait, or review your mortgage, get in touch. We’ll help you understand what it actually means for you 👇🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

Crystal’s always been big on making mortgage advice feel clear, personal and easy to understand...So this client review ...
04/09/2026

Crystal’s always been big on making mortgage advice feel clear, personal and easy to understand...

So this client review really shows that she'll do everything possible to achieve that 👏🏼

From keeping things moving to being open and informative throughout, she helped this client through their buy-to-let remortgage, without making the process feel more complicated than it needed to be.

That’s exactly what good advice and partnership should feel like when it comes to finding the right mortgage.

A big thank you to this client for the kind words, and well done to Crystal on another 5-star review 🎉

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

03/09/2026

Lenders are going to want to understand the circumstances around missed payments on your credit file 👀

For example, missing one credit card payment because a direct debit failed, then catching it up straight away, looks very different to repeat missed payments, across different accounts, over a longer period.

Things like how recent it was, what the payment related to, whether you caught up, and what the rest of your credit file looks like can all make a difference.

So, if you’ve had a missed payment, the best thing to do is check your credit file, make sure everything showing is accurate, and get advice before you start applying.

It might mean looking at a more specialist lender, but it doesn’t automatically mean no.

Reach out and we’ll put you in touch with an expert who can look at your circumstances and talk you through what options might be available 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

Saving for your first home can feel like the hardest part of the whole process, especially when rent and everyday costs ...
27/08/2026

Saving for your first home can feel like the hardest part of the whole process, especially when rent and everyday costs are already taking up such a big chunk of your income 😫

So, it’s no surprise that so many first-time buyers are relying on family support in some way, while they build their deposit.

That support can look different for everyone. It might mean living at home rent-free for a while, receiving a gifted deposit, or simply having a bit more breathing room to save consistently each month.

The important thing is to understand what your realistic deposit target is, how much you might be able to borrow, and whether there are any other options that could help you get there sooner.

If you’re saving for your first home and you’re not sure what your next step should be, get in touch and we’ll help you understand what might be possible for you 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

26/08/2026

💡 A product transfer and a remortgage can both help when your current deal is ending, but it's important to know that they’re not the same thing.

A product transfer means staying with your existing lender, and moving onto a new deal with them.

Whereas, a remortgage means looking at options with other lenders too, which could give you access to a different rate, borrowing amount, or mortgage setup.

If your deal is coming to an end and you’re not sure which route makes more sense for you, get in touch. We’ll help you compare your options and understand what could work best for your circumstances 🩵

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