Richard Green - Mortgage, Equity Release & Protection Consultant

12/10/2026

With rates doing what they're doing right now, there's not really been a better time to ask this question.

Should you wait for mortgage rates to fall?

It’s a question many homebuyers and homeowners will be asking as mortgage rates start to increase again. But here’s the difficult part: no one knows exactly what happens next 🤔

Waiting could mean rates fall. But they could also stay where they are or move higher.

So rather than trying to time the mortgage market, it can be more useful to understand what’s available now and whether it works for your circumstances.

An experienced mortgage broker (that's me don't you know?) can help you look beyond the headlines, understand your options and make a decision based on your own plans and finances.

Get in touch today 🏠
📞07508 544313
📧[email protected]

22/09/2026

From that first “I think we could actually do this” moment to opening the front door for the first time, buying a home is a big journey.
So, what does the process actually look like?
💷 Work out your budget – get a feel for what you could afford and how much you may be able to borrow.
🔎 Start house hunting – find a property that feels right and make your offer.
🏦 Get your mortgage sorted – once your offer is accepted, you can move forward with your mortgage application.
📋 Get everything checked – your solicitor will take care of the legal work, searches and contracts while your lender arranges the valuation.
✍️ Exchange contracts – this is the exciting point where your purchase becomes legally binding.
🔑 Completion day! – the keys are yours and you can finally start making the place your own!
⏰ On average, buying a home in the UK takes around 5 months from having an offer accepted to completing the purchase. Of course, every transaction is different, and chains or more complex purchases can take longer.
So, if buying is on your plans, it can pay to get your mortgage options explored early. That way, when the right property comes along, you’re in a good position to take the next step.
Your next chapter could be closer than you think. 🏡

26/08/2026

I've just come back from a week in the Balaerics and definitely have more credit commitments than I did before I went away, it's those Spanish Mojitos and Ice Creams (I found Maxibons and remembered how much I like them, Nestle should never have discontinued them here).

On a serious note, credit use is a real thing and something that every lender looks at differently. Give the link an investigate, there's some interesting info and if you don't want to wade through that, just get in touch and talk to me about it instead.

06/08/2026

What's the biggest mortgage myth you've heard? 🤔

I'll start... "If one lender says no, they all will."

In reality, every mortgage lender has its own affordability criteria and lending policy. That's why two lenders can sometimes reach very different decisions based on exactly the same application.

The same is true for:
🏡 How self-employed income is assessed.
💷 Overtime and bonus income.
👨‍👩‍👧 Household expenditure.
📊 Maximum borrowing amounts.

Understanding how lenders assess affordability can make the mortgage process feel much less daunting.

That's where I come in.

10/07/2026

18/06/2026

Useful stuff...

From finding the right property to collecting the keys, there are several important factors to consider beyond your deposit and mortgage.

09/06/2026

I'm wondering whether I should have put my sensible head on when answering these questions 🤔 Oh well, too late now.

Meet the Team 👋

Richard Green - Mortgage, Equity Release & Protection Consultant

When asked what movie genre Richard's work style would be, he answered 'superhero action-comedy'. We'll let you be the judge of that!...

Get to know him with the second instalment of our meet the team series ✨

14/05/2026

A rare picture of the team in our weekend clothes. I knew there was a reason I did this job and no mention of "ageing" before ROCKSTAR either. I'll take it 😃🤘🏻

⭐ Client reviews like this mean the world to us ⭐

Claire recently took to Google to say: “Richard from Exe Mortgages is an absolute ROCKSTAR. Took care of my remortgage and is personally invested in achieving the best result for you. Amazing guy! Would (and do) highly recommend him to anyone and would definitely use again.”

So here's Richard Green - Mortgage, Equity Release & Protection Consultant. Being a rockstar 🤘

At Exe Mortgages, we're committed to going above and beyond for every client, taking the time to understand their needs and securing the best possible outcome. Reviews like this are exactly why we do what we do ✨

If you're thinking about remortgaging or want expert mortgage advice, get in touch with us today 👇

13/05/2026

🏡 REMORTGAGE MYTH BUSTER

❌ Myth: “Remortgaging is too expensive.”

✅ Reality: Staying on your lender’s standard variable rate usually costs you more.

Many homeowners delay remortgaging because they worry about fees. But in many cases:

✔️ Lenders offer deals with free valuations and legal work
✔️ Product fees can often be added to the mortgage
✔️ Monthly savings can outweigh any upfront costs

Common misconceptions:

⏰ “It’s too early to remortgage.”
You can usually secure a new deal up to 6 months before your current one ends.

📉 “My credit score isn’t perfect, so I won’t qualify.”
There are lenders for a wide range of credit profiles.

💷 “The fees make it not worth it.”
The real question is whether the overall deal saves you money.

A quick mortgage review could reveal savings of hundreds or even thousands of pounds over your deal period.

📩 Drop us a message to find out whether remortgaging could save you money.