Michelle Wilson, Mortgage Adviser - Forge Financial Solutions Ltd

03/02/2026

First time buyers – don’t sleep on the LISA

If you’re a first-time buyer, the Lifetime ISA (LISA) is one of the best tools out there for saving towards your first home.
Here’s the deal:

👉 You can save up to £4,000 a year
👉 The government adds a 25% bonus (that’s up to £1,000 free money every year)
👉 Use it towards your first home or retirement

BUT 👀 there’s growing uncertainty around the future of the LISA, and potential changes could be coming. If you don’t already have one open, you could miss out completely.

Even if you’re not ready to buy yet, opening a LISA now can protect your options for the future.

30/09/2025

🐶 This is how we want you to feel during the mortgage process…
Relaxed, supported, and totally at ease.
Whether you're buying your first home, refinancing, or just exploring your options — our job is to make things simple, clear, and stress-free.
We’re here to guide you every step of the way so you can focus on the exciting part:
🏡 Your future home.
Because with the right support, the mortgage process should feel just like this pup… Happy, calm, and full of tail wags.
Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority
Approved by The Openwork Partnership on 30/09/25

11/09/2025

23/05/2025

🏡 First-Time buyer? Here’s What You Need to Know! 🏡

Buying your first home is a huge step, but don’t worry – we're here to guide you through it! Here are some important things to consider.

If you're ready to start your home-buying journey, reach out to us today! Let’s turn your dream home into a reality! 📩

19/05/2025

🏡 First-Time buyer? Here’s What You Need to Know! 🏡
Buying your first home is a huge step, but don’t worry – we're here to guide you through it! Here are some important things to consider.
If you're ready to start your home-buying journey, reach out to us today! Let’s turn your dream home into a reality! 📩

23/03/2025

When your customer treats you to a cake like this you know you've done something right. Thank you so much Anna- Maria, it was absolutely delicious! 🍰😋😍

Crofts Estate Agents Sales and Lettings Immingham

05/12/2024

Why mortgage rates don’t always drop when the base rate does?
The Bank of England’s Monetary Policy Committee (MPC) is the group responsible for setting the bank base rate (BBR). This interest rate influences the cost of borrowing for banks and the rates they offer on loans, mortgages and savings, all with the ultimate aim of helping to control inflation.
When the committee meets roughly every six weeks, all eyes are on its decision. Based on a large number of factors in the UK economy and also abroad, the MPC will decide whether to raise, hold or cut the base rate.
You may expect a cut to the base rate to mean an instant cut to mortgage rates - however, this isn’t always the case. In reality, the base rate is just one component that influences the mortgage rates offered by a lender.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 27/11/2024.

19/09/2024

Absolutely spoilt by this lovely customer. Such a pleasure to work for this family 😊 thanks Jo, Mike and Tom x