The Mortgage Mill

24/03/2026

3 bedroom property in Royton, with 3 bath. 😍

3 bedroom town house for sale in Windmill Close, Royton, OL2 for £300,000. Marketed by Habitat, Oldham

23/03/2026

𝐈𝐬 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐝𝐞𝐚𝐥 𝐞𝐧𝐝𝐢𝐧𝐠 𝐢𝐧 𝟐𝟎𝟐𝟔? 𝐘𝐨𝐮 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐫𝐞𝐚𝐝 𝐭𝐡𝐢𝐬.

Feeling the squeeze with rising costs? You’re not alone.

If you’re worried about your mortgage rate, energy bills, or insurance premiums creeping up, now is the time to take a look—not when it’s too late.

👉 Especially if your fixed mortgage deal is ending this year, you could be in for a significant jump in monthly payments.

The good news? You’ve got options.

We can:
✔ Review your mortgage and look for better deals
✔ Help you plan ahead before your rate changes
✔ Check your insurance cover isn’t costing more than it should
✔ Talk through ways to ease the pressure on your monthly outgoings

No pressure, no jargon—just honest advice.

📩 Drop us a message or get in touch for a quick review. It could save you more than you think.

20/03/2026

19/03/2026

🚨 Quick heads-up – this could affect your monthly bills

Energy providers are starting to pull some of their cheaper fixed-rate deals after today’s price spike.

If your fix is ending soon, leaving it too late could mean being pushed onto a more expensive variable rate.

With everything else going up at the minute, it’s one worth getting ahead of.

If you want us to sense-check what you’ve got and reprice the market for you, just message us or comment ENERGY👍

06/02/2026

Drop us a message if you’d like to come along for a visit on Tuesday and see what we’re all about.

🚨VISITORS DAY – DON’T MISS THIS! 🚨

📅 Tuesday 10th February
⏰ 7:00am
📍 Grains Bar Hotel
💷 £15 – includes a belting breakfast 🍳🥓

And wow… what a week it’s already shaping up to be 👀

🔥 Visitors already confirmed:

🏗️ Building Contractors
⚡ Electrician
💻 Website Designer
🍽️ Kitchen Fitters
🏠 Roofers
🔋 Energy Specialist
🌍 Environmental Services
🎉 Event Planner
🧠 Health & Wellbeing Coach
🌀 Hypnotherapist

That’s on top of our strong weekly members already in the room… 💪🏽

If you’re a local business owner, this is one you do not want to miss!!

04/02/2026

📣 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐚𝐭𝐞 𝐞𝐧𝐝𝐢𝐧𝐠 𝐬𝐨𝐨𝐧? 𝐖𝐞’𝐯𝐞 𝐠𝐨𝐭 𝐲𝐨𝐮 𝐜𝐨𝐯𝐞𝐫𝐞𝐝.

If your mortgage rate is coming to an end, we’re currently carrying out a quick review for our existing clients to make sure you’re still on the most suitable deal and that everything aligns with your current circumstances.

There’s no fee for this review — it’s simply part of our ongoing service to you. By letting us take a look, you’re also supporting a small local business rather than the bank earning the commission, which we really appreciate 🙏

While we’re chatting, we can also help with:

• Life insurance & protection
• Estate planning & wills
• Home insurance and utilities
• Commercial mortgages (where relevant)

If you’d like us to review things for you, just drop us a message and we’ll get something booked in 😊

20/01/2026

Another great BNI Saddleworth meeting this morning at Grains Bar Hotel 🙌

Today’s member spotlight was Adam Siddique from Quality Seal Windows, who gave a brilliant insight into why quality really matters when it comes to windows and doors — from workmanship to long-term value. 👌

We also loved welcoming our newest member to the BNI Saddleworth team — Ben Sharp from O'Donnell Solicitors 👋

Ben is a solicitor specialising in corporate & commercial law, supporting businesses with:
• Share & asset sales and purchases
• Shareholder agreements
• Commercial property matters
• Commercial leases
• Loan agreements

A huge asset to the room and another expert our members can trust 🤝

If you’re a local business owner looking to:
✔️ Build strong business relationships
✔️ Gain quality referrals
✔️ Surround yourself with trusted professionals

… BNI Saddleworth could be the right room for you.

📩 Drop us a message and come along to see what it’s all about.
Let’s build stronger local businesses, together 🚀

17/11/2025

🚫 TikTok Mortgage Myths… BUSTED! 🚫
There’s a LOT of dodgy advice flying around online — so let’s clear up some of the big ones 👇

❌ “Go with your own bank, you get better rates.”
Not true. Your bank is one option, not always the best one.

❌ “Your own bank knows your trustworthiness.”
They still assess you the same way as everyone else. Loyalty doesn’t equal approval.

❌ “You don’t need to provide bank statements if you stay with your bank.”
You absolutely do. Lenders need proof, regardless.

❌ “You can only buy if the current owner has had the property 12 months.”
Nope — completely false.

❌ “A gifted deposit will cost you thousands extra and delay everything, so wait 6 months.”
Gifted deposits are normal and don’t add extra costs.

❌ “Lloyds always have the best interest rates.”*
No lender has the best rate all the time. Rates change daily.

❌ “You don’t need a broker.”
You can go solo — but you’ll miss out on expertise, product access, and someone fighting your corner.

❌ “Longer fixed rates are the fastest way to pay your mortgage off.”
Long fixes give payment stability, not faster repayment. Overpayments + strategy = faster payoff.

If you’re unsure what’s real and what’s TikTok nonsense, drop us a message — always happy to point you in the right direction 👋

12/11/2025

07/11/2025

06/11/2025

If anyone is considering a resin driveway, contact Adam T&A Resin ltd.

06/11/2025