The Mortgage Pride

07/09/2026

WHEN AND WHY SHOULD YOU REMORTGAGE❓

The main reason for remortgaging is because your current mortgage deal is ending or it has already ended and your mortgage is now on the lenders standard variable rate (SVR).

However there are many other reasons why you may consider remortgaging, regardless of whether your current deal is ending. These include to:

✅ Save money by switching to a lower interest rate.
✅ Release equity in your home to raise funds for home improvements.
✅ Release equity to raise funds to buy another property.
✅ Remove or add a partner/spouse onto the mortgage (this is known as a Transfer of Equity).
✅ Consolidate debts such as credit cards and personal loans (this is known as debt consolidation).

If your current mortgage deal is ending over the coming months, it is possible to secure a new deal upto 6 months before. Our advice is always to be prepared well in advance of your existing rate ending.

We also recommend you make sure you speak to a mortgage broker who is whole of market, such as The Mortgage Pride, so you can be confident that you are getting the most cost-effective deal for you.

*Your home may be repossessed in the event you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

06/09/2026

In our latest instalment of our ‘Making Sense of Mortgages’ series, we share with you 5 benefits of using a mortgage broker for your purchase or remortgage, aswell as some good tips to help you choose the right mortgage broker for you.

05/09/2026

Quote of the week…

03/09/2026

Many homeowners are unaware that they may be able to take their existing mortgage deal to a new property.

This means you may be able to avoid paying early repayment charges to exit your existing deal early.

However, not all mortgage deals are portable (transferable to a new property) and/or you may no longer meet the mortgage lenders criteria.

If you are an existing homeowner looking to move property and want to find out more, we are happy to explain your options.

📞 01782 450050
📧 [email protected]
🗓 https://calendly.com/themortgagepride/new-enquiry-call

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

03/09/2026

We pride ourselves on delivering friendly yet professional mortgage advice designed around your individual circumstances and needs. After all, not everyone’s circumstances are the same!

We make sure we take the time to understand your circumstances and goals so that you are confident that you are in safe hands.

Don’t just take our word for it though...👇🏻👇🏻

“This is the 2nd mortgage I’ve had using Steven and Laura. As before it’s been successful with quite tricky financial barriers to overcome. They have been efficient and helped and guided through the process to make it easier with really helpful actions along the way to make it smoother. Huge thanks again to them for a fantastic job well done!”

🌟🌟🌟🌟🌟

02/09/2026

📢 LOCAL BUSINESS SHOUT OUT❗️📢

If any of our clients have teens that need to resit their maths GCSE or are due to sit their maths GCSE this academic year, we highly recommend Nathan LearnLots and his structured Passlab programme.

Many of you know our daughter was home educated and sat her exams independently this summer and Nathan was fantastic with her. She loved the structure of the Passlab programme and the tailored support provided by Nathan. She said he is the best maths teacher she’s had!

And even better, his programme is remote so you don’t have to be local to Stoke-on-Trent to access his support.

We're launching a PassLab Resit programme starting Monday 7th September. Don't miss out, we only have 2 places left in the first cohort!

Who is it for?
- Anyone who got grade 3 in Maths in June and is resitting in November
AND
- Is willing commit to an intense programme because you don't want to resit again.

What is it?
Weeks 1-8: Structured targeted teaching following our BAR system on the skills and techniques needed to move from grade 3 to grade 4/5. We follow a weekly cycle:

Monday: Build the skills with supported self-study work on the basics to find any misunderstandings.

Tuesday and Thursday: Apply the skills with live small group 1 hour sessions focused on correcting misconceptions in the topics for the week and applying those skills using our SUDDS approach to exam-style questions.

Friday: Reinforce the skills with an independent task seeing how you answer past exam questions with full video feedback showing where marks are gained.

Week 9: 3 live exam prep sessions the night before the exam so you go into the exam confident and ready.

What next?
If you're interested and want more information, please either comment or DM.

02/09/2026

Your jargon buster...

Breaking down the world of mortgages and insurance one word at a time.

01/09/2026

Pinch punch first of the month!

How is it September already? 2026 is flying by like the speed of light and it will be Christmas before we know it - our favourite time of year here at The Mortgage Pride.

So as the children go back to school, what are your finance goals you want to tick off your list before before the end of the year?

31/08/2026

🏡 You’ve been told you need a Decision in Principle (DIP) but do you know what one is❓🏡

They are also known as a:

➡️ Agreement in Principle (AIP);
➡️ Mortgage in Principle;
➡️ Mortgage promise.

It is a certificate or statement from a mortgage lender to say how much they will lend you ‘in principle’ based on some basic information. They often involve a credit search.

It is the first stage of the mortgage process and is not a full mortgage application. The full mortgage application is not completed until after you have had a offer accepted on a property.

🏡Why will a Decision in Principle help me❓🏡

➡️ It will help you to search for a property in your price range;
➡️ It will save you disappointment as you will know how much you can borrow;
➡️ Most estate agents will require a Decision in Principle certificate before accepting an offer on behalf of the seller in order to provide them with the confidence you are able to obtain a mortgage.

🏡 What are my next steps❓🏡

It is recommended that you take professional mortgage advice prior to obtaining a Decision in Principle.

This is because:

➡️ They often involve a credit search which may affect your credit file;
➡️ You may not match each mortgage lenders criteria at full application stage;
➡️ The amount you can borrow may be different to the amount you can afford.

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

30/08/2026

🏡 For many people, buying a home is one of the biggest financial commitments that they will make. But house hunting is not just about getting the price right; you also need to be confident that the property and location is right for you and your lifestyle.

Here are 5 factors to consider when looking at properties as a first time buyer. 👇👇👇

1️⃣ What can you afford❓

We strongly recommend that you sit down with a professional adviser to ascertain what you can afford, based on your current financial situation.

As well as your deposit and monthly mortgage repayments, there are many other extra costs involved with buying a home. It’s essential to budget for Stamp Duty payments, conveyancing costs and other additional fees. This will help you to enter your property search confidently knowing what you can realistically afford.

2️⃣ Is this a long-term home❓

If you see a property you love, it’s tempting to get swept up in the excitement and make an offer immediately. However, it’s important to step back and ask yourself if this is a property that will work for you in the future.

For example, a two-bedroom home may suit you now, but will you need more space in five years? Or will you wish you had more garden space when the summer comes?

3️⃣ Location, location, location❗️

If you are moving to a new area, are you certain that you can see yourself living there? You should do your research and spend enough time in the area so you can feel confident that it’s the right decision for you.

Look up the transport links and work out your commute times and costs. You should also research the local schools and amenities, so you know what you’re signing up for.

4️⃣ Get a survey

It’s important to understand what you’re committing to, which includes any pre-existing issues with the home.

Paying for a professional survey now could influence whether you buy the home – you may find out that there are significant structural issues that are going to be too costly to inherit.

This is different to a basic mortgage valuation often carried out by mortgage lenders.

5️⃣ Take your time

Buying a home is a big decision, so don’t rush into anything.

You can view the property again and take along someone you trust, so you have another perspective. Compare the home with other properties on the market and make an offer that is appropriate for you and your finances.

If you’re buying a flat, make sure you understand if it’s freehold or leasehold and ascertain any building management costs.

TalThe Mortgage PridePride…

Our personalised mortgage planning service can help turn your property dreams into a reality. We will guide you through the process and talk you through your mortgage options, so you can view homes with confidence.

Contact us for advice today.

📞 01782 450050
🗓️ https://calendly.com/themortgagepride/new-enquiry-call
📧 [email protected]

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

Source: https://www.yopa.co.uk/blog/finding-the-right-home-five-things-every-buyer-should-think-about/