Blueprint Mortgages & Protection - Kirsty Wells

31/03/2026

The last month has been the busiest of my career. The mortgage world has been insane, even busier than Covid times. We made it through, thanks to my dream team keeping me sane and .

28/03/2026

Clocks go forward tonight ⏰➡️

Parents losing an hour of sleep 😴
Kids waking up even earlier anyway 👍

Mortgage rates lately… also changing overnight 😅

If you’re feeling a bit all over the place with it, i’ve got you 💙

24/03/2026

Mortgage Rate Update

Mortgage rates are continuing to increase and at pace.

We are also seeing some lenders withdraw products temporarily to manage demand and reprice, following a surge in new business. As a result, the market is moving more quickly than usual.

What does this mean?

• Rates are rising
• Some products are being withdrawn with little notice
• Delaying decisions could mean missing more competitive options

This isn’t about creating urgency unnecessarily, but it is about being proactive in a changing market.

If you are considering your options:

✔ Purchasing a property – review your options as early as possible
✔ Existing deal ending – avoid leaving this until the last minute
✔ Remortgaging – rates can typically be secured up to 6 months in advance

Securing a rate early can help protect against further increases, while still allowing flexibility to review options if the market improves.

In summary: lender activity is high, pricing is adjusting quickly, and timing is becoming increasingly important.

If you would like a review of your current position or upcoming options, please get in touch.

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

19/03/2026

Rates are on the move 📈
But you may be able to secure your next deal early.

Remortgaging? Many lenders let you lock in a rate up to 6 months in advance which could help protect you from future increases.

Worth checking where you stand now.

Message me if you want to arrange a call.

09/03/2026

Mortgage Market Update 📊

You may see some news about mortgage rates moving this week.

Global events and movements in the financial markets have pushed up lenders’ funding costs slightly, which has led to some lenders withdrawing products or increasing rates over the last few days.

When markets move like this, mortgage rates can change quickly, which is why I sometimes ask clients for documents promptly so we can secure a rate with a full application.

If you’re currently applying for a mortgage, don’t worry, this is something I monitor closely and I’ll always guide you through the best options available.

If your fixed rate is ending in the next 6–18 months and you’re wondering what the market is doing, feel free to get in touch.

08/03/2026

Happy International Women’s Day 🌸

Today I’m celebrating the amazing women around me.

First up the brilliant team behind Blueprint Mortgages.

Becky and Robyn keep everything running smoothly and support both me and our clients every single day. I’m so grateful to work alongside such hardworking, supportive women who keep me sane and keep my crazy at bay 🤣.

And of course, my mum who has always been one of my biggest supporters and role models.

Running a business is never a solo journey. It’s built on the people around you who encourage you, support you and help you grow.

Here’s to strong women supporting each other today and every day.

💙💙💙

06/03/2026

⭐ 100 ⭐⭐⭐⭐⭐ Google Reviews ⭐

A huge thank you to all of our clients who have taken the time to leave such kind feedback.

Helping people through the mortgage process, whether buying their first home, moving house or remortgaging is what we love to do, and your reviews really do mean a lot.

If we’ve helped you recently and you haven’t left a review yet, we’d be incredibly grateful if you did.

You can leave a review here:
https://g.page/r/CRJL_Ho6VCVYEBE/review

Thank you again for all the support.

Post a review to our profile on Google

03/03/2026

📈Mortgage Rate Update

With escalation in the Middle East and volatility in oil markets, swap rates have increased this week.

Swap rates influence how lenders price fixed mortgages, so even without a Bank of England Base Rate change, mortgage rates can still move.

Over the past few days, expectations of an early Base Rate reduction have reduced significantly. That shift is already feeding into lender pricing.

What this means:

• We may not see dramatic changes overnight
• Lenders can reprice quickly as funding is allocated
• Waiting for further reductions could carry risk

I’m not expecting drastic jumps, but I also wouldn’t advise delaying applications in the hope of significant drops right now.

If you have a rate review due, an application ready to submit, or you’re planning a move this year, now is a good time to review your position.

If you’d like clarity on your options, message me and we’ll look at it properly.

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

25/11/2025

🎅 Santa, can I upgrade to a new home this Christmas? 🎄🏡
If a move is on your wishlist, don’t let the festive season slow you down. With the right planning and the right mortgage broker (hello again 😉) December can still be the perfect time to take that next step.

Here’s why buying in December might work in your favour:

🔹 Quieter Market: Many buyers press pause for the holidays, giving you more breathing room.
🔹 Keen Sellers: Homeowners often want things wrapped up before the New Year, making negotiations smoother.
🔹 More Room to Deal: A calmer market can mean better opportunities to secure a great price.

✨ Ready to make your homeownership goals a reality?
Link in bio to book your call with me 📞

15/10/2025

How gorgeous are these flowers?!
A lovely surprise from our clients, Toby and Bryany, after we helped them switch onto a new mortgage deal.

It’s always such a joy helping our clients save money, feel supported through the process, and thoughtful gestures like this really do make our day! 💕

Thinking about remortgaging? Get in touch for friendly, expert advice.

17/07/2025

Big news – 16 and 17 year olds in the UK can now vote.

It’s got a lot of people talking, and honestly… it made me think back to when I was 16, in the year 2000. Back then, I was more concerned about which shop might serve me alcohol, what was on the radio or a burned CD, and whether I had enough credit on my Nokia to text my mates 😅

Would I have trusted my 16-year-old self to make a big political decision? Probably not!

But things have changed. Today’s teens are growing up in a world where politics is everywhere, from TikTok to school debates. Many are already passionate about issues like climate change, education, and housing.

Some say it’s a great step forward, giving young people a voice on decisions that shape their future. Others feel 16 is just too young for that kind of responsibility.

What do you think? Is this a positive move, or a decision made too soon?

Let me know your thoughts 👇