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Fidenti Mortgages & Protection Ltd

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Fidenti Mortgages & Protection Ltd

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Family run, Fee-free (for residential) Mortgage & Protection advisers based in Sandbach, Cheshire Mortgage & Protection brokers based in Sandbach, Cheshire.
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The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. We do not charge a fee for residential mortgage advice but there may be a fee of £499 for advice on Buy to let mortgages. This will be payable at offer stage. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Fidenti Mortgages & Protection Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Fidenti Mortgages & Protection Limited are registered in England and Wales Registered No:10007568. Registered Office: 2 Bold Street, Sandbach, England, CW11 1GR

31/10/2026

🎃 Mortgage questions giving you a fright? Come and have a chat…

Ollie and Em are in until 4pm today, ready to help make sense of your options 😊

🏡 Thinking about your first home?
🔑 Planning a move?
📅 Fixed rate ending in the coming months?

You don’t need to have everything worked out before coming in — that’s what we’re here for. Just friendly advice, plain English and a chance to ask those questions you’ve been putting off.

Pop in while you’re in town, or send us a message to arrange a chat. Coffee and mortgage talk before the trick-or-treating starts ☕👻

01270 750437
[email protected]

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

30/10/2026

⛽ Funny how this works, isn’t it? 🤔 well, not really funny 🙈🤷‍♂️…

🇬🇧 The UK produces around 25% more petrol than we actually need. We even export the surplus overseas!

Yet, when conflict in the Middle East pushes up global oil prices, we’re all paying more at the pumps.

Meanwhile, BP has just announced quarterly profits of $8.46 BILLION, with refining margins soaring.

Now, I appreciate oil is traded globally, refineries buy crude at international prices and things aren’t quite as straightforward as they might seem.

But here’s the bit that gets me…

We produce more petrol than we consume, export the excess, pay more for our own fuel when global prices rise, and the companies refining it enjoy bumper profits. 🤷‍♂️🙈😢

And of course, higher fuel prices feed into transport costs, food prices and inflation. Which we all know, is BAD!

Which then puts more pressure on interest rates… despite higher interest rates doing absolutely nothing to produce more oil! 🙈

Anyone else think there’s something slightly bonkers about all this? 🤔

01270 750437
[email protected]

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

30/10/2026

Budget headlines everywhere… but what does it mean for your mortgage? 🏡

Here’s our quick Friday roundup 👇

🔹 The Budget: Support with energy costs and a new first-time buyer equity loan scheme were announced, alongside higher property income tax rates for landlords from April 2027. Some changes will take time to arrive.

🔹 Interest rates: Base rate remains at 3.75%, with the next Bank of England decision on 5 November. The Budget itself doesn’t change this.

🔹 What happens next? Inflation is still above target, so lower rates aren’t guaranteed. Fixed mortgage deals also depend on wholesale funding costs and market expectations — meaning they can move before the Bank does.

Our take? Plan ahead, rather than gamble on the next headline. If your deal ends in the next six months, now’s a sensible time to explore your options.

Wondering where you stand? Drop us a message or pop in for a chat. We’ll help make sense of it all 😊

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

27/10/2026

Here’s a graph showing the movement of a 2 year swap rate.

As you can see, we were at around 3.25% in March but since the Iran/US conflict, the risk of higher inflation and more importantly, embedded and persistent inflationary pressure, has caused markets to price in several base rate hikes.

That’s what a swap is really - an expectation of where the base rate will be in 12 months. This graph shows why fixed rates have increased so much recently.

I personally (Nick), feel that there could be one increase in the base rate and I disagree with the market expectations of 0.75-1%, as do really, some members of the MPC.

Ultimately, the below factors will determine where base rate goes:

• Inflation figure
• Wage growth (private sector)
• GDP

Lots more goes into it, but these are the main concerns that the MPC are monitoring. For now, we need an end to war and cheaper diesel! 😢

[email protected]
01270 750437

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

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages

24/10/2026

Blowing a gale outside? Come in to escape the storm, for a warm! ☕🌧️

Matt and Abi are in until 4pm, ready with a cuppa and some friendly, fee-free mortgage advice.

Whether you’re thinking about buying your first home, moving house or your current mortgage deal is coming to an end, or you want to review your options to protect your family, pop in and have a chat. Sometimes ten minutes over a coffee can make things feel a lot clearer.

No appointment needed — just pop into Fidenti in Sandbach. We can’t sort the weather, but we can help with the mortgage & protection! 😂

Staying tucked up at home? Get comfy on the sofa and give us a shout 😀

📞 01270 750437
📧 [email protected]

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

22/10/2026

Headlines like these really do create concern.

It’s the 3rd announcement from financial institutions in the last couple of weeks and is perhaps a glimpse into what’s coming 😢

AI creates wonderful opportunities and efficiencies but also poses a threat to so many businesses and industries.

Please continue to support us in helping you through your mortgage and protection journey as a family run, fee-free advice firm. We appreciate it so so much.

Here as always for anything you need.

01270 750437
[email protected]

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

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

22/10/2026

What do you want to know? Ask away… 👋

Mortgages can raise plenty of questions, and sometimes you just want a straight answer without all the jargon.

So, let’s open up the comments…

💬 When should I start looking before my fixed rate ends?
💬 Can I move home and keep my current mortgage?
💬 How does being self-employed affect my options?
💬 Is it better to overpay or keep money in savings?
💬 How does fee-free mortgage advice actually work?

Or something completely different about mortgages or protection—ask us!

There’s no such thing as a daft question. Chances are, someone else reading this is wondering exactly the same thing.

👇 Pop yours in the comments and we’ll answer in plain English. If it’s personal, send us a private message and we can arrange a chat.

📞 01270 750437
📧 [email protected]

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

21/10/2026

📈 Inflation is up to 3.5% — so mortgage rates must rise next… right?

It’s not quite that straightforward.

Higher petrol and diesel prices have helped push inflation up. But raising UK interest rates won’t produce more oil or resolve the conflict affecting supplies.

What the Bank of England and the MPC watches closely is whether those higher costs become embedded in the wider economy.

👉 Wages and expectations matter.
If people expect prices to keep rising, they may seek bigger pay increases. If businesses then raise prices to cover those wages, inflation can become harder to bring down.

👉 But businesses don’t have bottomless pockets.
Higher employment costs, squeezed margins and customers watching their spending can limit how much firms can increase wages or pass on costs. The latest figures put private-sector regular wage growth at 3% — hardly proof of a runaway wage spiral.

That doesn’t mean rate rises are off the table. It means the Bank has a balancing act: controlling inflation without putting unnecessary pressure on jobs, households and economic growth.

👉 Market expectations aren’t promises.
Fixed mortgage rates reflect expectations about future interest rates, alongside lenders’ funding costs and competition. They can move before the Bank makes a decision — in either direction.

Markets have already priced in further rate hikes which the MPC isn’t necessarily supporting, so please don’t panic when reading these type of media headlines.

Our view? Take the news seriously, but don’t let one headline decide your mortgage.

A fixed rate can offer valuable certainty. A tracker means accepting that payments could rise as well as fall. The right choice depends on your circumstances, budget and how comfortable you are with that uncertainty.

🏡 Mortgage deal ending in the next six months, or planning a move? Let’s look at your options early, explain the trade-offs and build a plan you feel comfortable with.

01270 750437
[email protected].

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

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

12/10/2026

This really is a worry, for so many 😢

BUT……

We’ve helped lots of clients in this position. Whether it’s a holistic review of your overall finances, lengthening the term to help, remortgaging to secure a competitive rate and/or considering the options of products available to you.

If you’re in that place, please reach out - we don’t charge a broker fee because we care about you and want your outcome, to be the best it can, for you!

01270 750437
[email protected]

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

We do not charge a fee for residential mortgage advice but there may be a fee for advice on Buy to Let mortgages.

10/10/2026

Nick and Jim, here to help 😀

Address

Confidence House, 2 Bold Street
Sandbach
CW111GR

Opening Hours

Monday	8am - 8pm
Tuesday	9am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9:30am - 6pm
Sunday	9:30am - 6pm

Telephone

+441270750437

Website

http://www.fidenti.co.uk/

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