Richard Green - Mortgage, Equity Release & Protection Consultant

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.

26/02/2026

This is one of those sensible posts about what I actually do that doesn't feature dogs or interesting mugs.

See how mortgage advisor Richard helped a self-employed first-time buyer in Cornwall secure a competitive mortgage when a high street lender said “no”, and why a second opinion can change everything.

The client had found the right ex-local authority home, had a 10% deposit, and was ready to renovate gradually while living in the property. Then the deal nearly fell apart - the property’s condition triggered a decline, and they were told the situation was “unresolvable” and to walk away.

But lender criteria isn’t one-size-fits-all and Richard reviewed the case properly, matched the buyer’s profile (solid deposit, stable self-employed income) with a lender whose underwriting would accept cosmetic work, and secured a competitive solution on mainstream terms, not specialist pricing.

The outcome:
- They kept the property they’d committed to
- They avoided losing money already spent on surveys and conveyancing
- They moved forward with a stable foundation for their renovation plans

https://www.exemortgages.co.uk/case-study-securing-finance-when-standard-channels-failed/?utm_source=facebook&utm_medium=casestudy&utm_campaign=180226

If you’ve been told “it can’t be done,” it might just mean you haven’t spoken to the right person yet.

Want a second opinion on your mortgage scenario? Drop a comment or send a message.

🔗 www.exemortgages.co.uk
📞 01404 813050
📧 [email protected]

30/01/2026

This week has been more about dodging balls than coffee on the beach.

18/12/2025

Fix or No? 🏡

With some fixed mortgage rates now lower than many variable deals, more buyers and homeowners are asking: should I lock in my mortgage rate, and for how long?

🔒 Fixed Rate = peace of mind and predictable payments, perfect for planners who want stability.
🔄 Variable, Discount or Tracker = more flexibility and potentially lower payments if rates drop, but you’ll need to be comfortable with change.

2-year or 5-year? Fixed or flexible? Every option has its pros and cons, so it’s all about what fits your lifestyle and risk appetite.
Not sure which way to go? Click on the link below or get in touch for more information.

https://www.exemortgages.co.uk/fixed-rate-mortgages.../...

12/12/2025

I've noticed that pictures of my staff get far more interaction than pictures of less floofy stuff, so here he is, ever alert for the call to action (just like Bananaman) guarding the Christmas Tree.

On a work note, recently its been about Cs, Completions, Critical Illness Cover and Christmas. If you fancy talking about anything beginning with C or any other letters, get in touch, I'm here right up until Christmas to provide a nice distraction from anything festive, if you're fed up with that already.

04/12/2025

Have you ever wondered what might happen if you were unable to earn an income due to something unthinkable occurring? I know it's not the most exciting of wonderings, but if you haven't then maybe you should.

Personal protection insurance could be the solution. Financially support yourself and your loved ones if something unexpected happens that affects your ability to earn or maintain your income. For example illness, injury, or even death.

Some of the most common types of protection insurance include life insurance, critical illness cover, and income protection.

https://www.exemortgages.co.uk/why-protection.../...

In our latest guide, we explore these common types of protection insurance and dive deeper into the importance of having them.

Keen to learn more? Get in touch today

03/12/2025

It's that time of year again, my Chief Administrator has got his hat on, the beach coffees come with Mince Pies and mortgages get swept under the carpet for a bit. But they don't need to be ignored, now is the perfect time to start looking for a nice shiny new rate if yours is running out at any point between now and June 2026 (I know that still seems like ages away).

If you'd like to discuss anything Mortgage related drop me a festive message, or a Grinchy message I really don't mind.

19/11/2025

I thought I might try to do a semi-regular update. I'm not promising anything as I run out of anything interesting to say very quickly, but I'll give it a go.

Last week did involve coffee on the beach, but this time the bun was replaced by a very excellent and aptly festive, home made mince pie, courtesy of Manor Made Cornwall

From a work point of view I was a knight in shining armour for some first time buyers, did a little bit of 2nd property purchasing, insured some lives and provided some sick pay right up to retirement age for someone that had none. All in all another productive few days.