First4Mortgages

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First4Mortgages will search from a wide range of lenders in order to find the most suitable mortgage deal for you. Contact us today.

Toni and Nikki at First4Mortgages are here to help you with all of your mortgage, insurance, pension and investment requirements. We will search from a wide range of lenders to find the most suitable mortgage deal for you, saving you time and money. We can look to ensure that you are fully protected with regards to your life and household insurances. Should you be looking at planning for your future, then Nikki can help you with pensions and investments. The value of pensions and investments can fall as well as rise. You may get back less than you invested. Whatever your financial need is, we are here to help you.

23/09/2026

We are so proud of our great reviews. 74 x 5 star reviews is not a coincidence. We love what we do and we love helping people into their homes or saving them money on their monthly payments.

24/07/2026

06/06/2026

https://www.bankofengland.co.uk/explainers/current-interest-rate

War in the Middle East has affected energy prices and will push up inflation this year – we will do what is necessary to get it back on target

21/02/2026

https://www.bbc.co.uk/news/articles/c3dky111m40o

The interest rate set by the Bank of England affects mortgage, loan and savings rates for millions.

18/12/2025

https://www.bbc.co.uk/news/live/cn4d8p1gj2et

The Bank's governor says interest rates are on a "gradual" downward path, and decisions around future cuts will be "a closer call".

18/12/2025

https://www.bbc.co.uk/news

Visit BBC News for up-to-the-minute news, breaking news, video, audio and feature stories. BBC News provides trusted World and UK news as well as local and regional perspectives. Also entertainment, business, science, technology and health news.

27/11/2025

A summary from yesterday's Budget.

Changes Happening Soon (2026–2027)
Dividend tax increase (April 2026)
Dividend tax rates will rise by 2%, with rates increasing to 10.75% for ordinary taxpayers and 35.75% for higher-rate taxpayers.
Writing Down Allowance Reduction (April 2026)
The main WDA rate will reduce from 18% to 14%.
ISA allowance reduced to £12,000 (April 2026)
The Cash ISA limit will be lowered to £12,000 from 2026/27.
National Living Wage increase (April 2026)
The NLW will increase by 4.1% to £12.71 per hour.
Tax on savings interest increase (April 2027)
Tax on savings interest will rise by an additional 2%.

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🔹 Future Changes (2028 onwards)
Electric vehicle mileage charge (April 2028)
A 3p per mile levy will apply to EVs, monitored via annual MOTs.
Mansion tax (April 2028)
Properties over £2 million will incur a £2,500 annual charge.
Pension salary sacrifice cap (April 2029)
Salary sacrifice pension contributions will be capped at £2,000 per year.

27/11/2025

https://www.bbc.co.uk/news/live/cy8vz032qgpt

The chancellor extended a freeze on income tax thresholds until 2031 - meaning millions will pay higher rates - and also ended the two-child benefit cap.

Address

304 High Road
Southend-on-Sea
SS75HB

Telephone

+441702340500

Website

http://www.first4mortgages.org.uk/

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