Pointers Financial

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Pointers Financial Local, independent and award winning fee free mortgage advice.
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Pointers Financial is an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 460421).

🐾 Milo’s Mortgage Minutes... Don’t just automatically renew! 🏡💗Milo’s back with another mortgage tip this week, and this...
12/10/2026

🐾 Milo’s Mortgage Minutes... Don’t just automatically renew! 🏡💗

Milo’s back with another mortgage tip this week, and this time he’s reminding you that loyalty doesn’t always pay when it comes to your mortgage!

When your current mortgage deal comes to an end, it can be tempting to simply accept whatever your existing lender offers. After all, it's quick and easy!

But did you know there could be a better deal available elsewhere? 👀

🐾 Your lender’s standard variable rate (SVR) is often considerably higher than the fixed rates available.

🐾 Staying with your current lender might be the best option, but it's always worth checking.

🐾 Switching lenders could save you money, even after taking any fees into account.

🐾 You don't need to do the legwork! We'll compare mortgage options from across the market to find a suitable deal for your circumstances.

💗 And the best bit? Pointers Financial is completely fee-free!

We don't charge our clients a broker fee for mortgage advice, so there's no reason not to explore your options.

📩 If your mortgage deal is coming to an end, get in touch and let us see what we can find!

Milo will be back next week with another Mortgage Minute! 🐾

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

🐾 Milo’s Mortgage Minutes – rates are on the move! 📈Milo’s keeping a close eye on the mortgage market this week… 👀We’ve ...
05/10/2026

🐾 Milo’s Mortgage Minutes – rates are on the move! 📈
Milo’s keeping a close eye on the mortgage market this week… 👀
We’ve seen a number of lenders increasing their fixed mortgage rates recently, so if your current deal is coming to an end in the next few months, now is a good time to start looking at your options.
Starting early means we can review what’s available, secure a suitable deal and then keep an eye on the market before your new mortgage starts.
And remember… Pointers Financial is completely fee-free! 💗
No broker fee for our mortgage advice – we’ll search the market to find the right option for you.
📩 Mortgage ending soon? Drop us a message and let’s get ahead of it.
🐾 Milo will be back next week with another Mortgage Minute!
Your home may be repossessed if you do not keep up repayments on your mortgage.

🐾 Introducing Milo's Mortgage Minutes!You may already know Milo, our four-legged member of the Pointers Financial team! ...
28/09/2026

🐾 Introducing Milo's Mortgage Minutes!
You may already know Milo, our four-legged member of the Pointers Financial team! 💙
He's 10 years old, works exclusively for treats and has absolutely no mortgage qualifications… but he's got plenty to say!
So, we've decided to give him his very own weekly feature!

Every week, Milo will be sharing bite-sized mortgage tips, useful reminders and a little mortgage myth-busting to help make the world of mortgages that bit easier to understand.
🐾 This week's tip: Is your fixed rate coming to an end? Don't just accept your lender's first offer! There could be better options available.
And don't worry, while Milo might be the face of the series, the actual mortgage advice will still come from our qualified, fee-free mortgage advisers!

Live where you love.Town or country, coast or city. Close to family or somewhere completely new.Where you live matters. ...
31/08/2026

Live where you love.
Town or country, coast or city. Close to family or somewhere completely new.

Where you live matters. So, where do you choose?

Let’s figure out together how we can make it happen for you ❤️🙋🏻‍♀️.

Our office is just off Fore Street in crazy, warm, historic Topsham.



A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Over 55? Don’t assume your mortgage options are disappearing.If you’re in your 50s or 60s, it’s easy to assume that gett...
26/08/2026

Over 55? Don’t assume your mortgage options are disappearing.

If you’re in your 50s or 60s, it’s easy to assume that getting a new mortgage, or taking one over a longer term, is going to be difficult purely because of your age.

All is not lost! Read on

Lenders have different criteria around maximum ages, mortgage terms, retirement income and how affordability is assessed when a mortgage runs into retirement.

We’d want to understand when you plan to retire, what your income is likely to look like then, how much you want to borrow and what you’re trying to achieve.

Your age is part of the picture, but it isn’t the whole answer. The useful bit is finding the lenders and options that fit your individual circumstances.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

When it’s bad news for sellers, let’s look at the opportunity for buyers.New asking prices fell by 2% in August, which i...
17/08/2026

When it’s bad news for sellers, let’s look at the opportunity for buyers.

New asking prices fell by 2% in August, which is the biggest August drop since 2018. But here’s the bit we’re interested in as mortgage brokers.

If you’re buying and the price of a property comes down, don’t just think about the money you’ve saved on the purchase. Think about what it does to your mortgage.

👉 Say you were buying for £400,000 with a £40,000 deposit.
👉 That’s a 90% mortgage.
👉 If you negotiate the property down to £390,000 and keep your £40,000 deposit in place, your loan-to-value falls too.
👉 And sometimes moving into a lower LTV bracket can open up different mortgage options or rates.

It won’t work like that in every case – mortgage pricing bands and lender criteria vary – but it’s worth doing the sums 🤔 before deciding what to do with the saving.

💡 A lower house price could change more than the price you pay.

If you’re buying at the moment, let Pointers look at the whole picture before you decide what mortgage works for you.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

What would you do? Imagine...🔔 Your mortgage deal ends in October.💰 You owe £240,000 with 18 years left to run.You’re of...
10/08/2026

What would you do? Imagine...

🔔 Your mortgage deal ends in October.
💰 You owe £240,000 with 18 years left to run.

You’re offered:
A. 2-year fix – slightly cheaper today
B. 5-year fix – costs a little more, but gives you certainty
C. Tracker – currently more expensive, but would fall if Bank Rate falls
The Bank of England has just held the Bank Rate at 3.75%.

🤔 You think rates could fall, so the 2-year fix feels like the obvious choice.
But then you tell us you’re hoping to move in three years.

Now we’re looking at it differently.

👉 What are the early repayment charges on that 5-year deal?
👉 Can the mortgage be ported – and what happens if you need to borrow more when you move?
👉 Does the tracker have an early repayment charge?
👉 How much would the Bank Rate actually need to fall before the tracker works out cheaper than fixing?
👉 And if you take the 2-year deal, what will it cost to remortgage again in two years? There’s the valuation, legal costs as well as the rate available at the time?

When we work with you to secure the mortgage you need now, we start with what you’re likely to do next. Then we get to work 🏃‍♀️‍➡️

Want to chat to an expert ☎️?



A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

We must be doing something right! 🕺 Did you know our average customer rating is 99.7%? Getting someone through the mortg...
04/08/2026

We must be doing something right! 🕺
Did you know our average customer rating is 99.7%?

Getting someone through the mortgage process is one thing, but looking after them every step of the way, is a very different story.

Huge thanks to the team! 🙌 Whoop! Whoop! And yes, even the Pointers dog 🐕 is doing a happy dance!

Ok, who’s your money on? Who would you lend to?👉 A GP who has recently become self-employed.👉 A couple earning over £90,...
27/07/2026

Ok, who’s your money on? Who would you lend to?

👉 A GP who has recently become self-employed.

👉 A couple earning over £90,000 a year, but paying £2,000 a month in nursery fees.

👉 A 70-year-old business owner with a healthy income, a substantial pension and no plans to retire.

On paper, they could all be perfectly capable of repaying a mortgage. Yet each has circumstances that don’t fit the traditional lending mould.

The way we live and work has changed enormously over the last decade. More people are self-employed, have multiple income streams, significant student loan and childcare payments or work beyond retirement age.

🙌 That’s why it’ll be interesting to see how the Financial Conduct Authority (FCA) review parts of the mortgage rulebook. Its consultation closes this week, with proposals that could give lenders more flexibility when assessing affordability, while maintaining responsible lending.

So...should someone be judged purely on how neatly their finances fit a traditional application form, or on their overall ability to afford a mortgage? 🤔

At Pointers, we specialise 👊 in helping people with circumstances that don’t quite fit the old tick-box approach.

Your ‘unconventional situation’ may be our new normal! Let’s talk! ☕️



A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Thinking you’re too old for a mortgage? Think again 👊.Newcastle Building Society has removed the upper age limit at the ...
22/07/2026

Thinking you’re too old for a mortgage? Think again 👊.

Newcastle Building Society has removed the upper age limit at the end of its standard repayment mortgage terms.

With more people working for longer and borrowing later in life, lenders are increasingly looking at affordability and individual circumstances rather than simply age.

‼️ And get this! UK Finance reports a 33.5% increase in mortgages for borrowers aged 55+, showing this is a growing part of the market. This helps us offer better 💡 solutions and give clients more time to repay with greater flexibility for complex financial needs.

Don’t forget, we love a good chat ☕ ! Always pick up the phone or drop us an email and we can brainstorm your mortgage issues and get that purchase underway! 

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

 
Newcastle Building Society

Address

The Conservatory, 82 Fore Street
Topsham
EX30HQ

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+441392979331

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