Sam Haw Mortgages

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Sam Haw Mortgages

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Sam Haw Mortgages, Mortgage brokers, Tring.

🧡 Whole of market mortgage advice for Tring. 🧡
📲 07445 941 684
📧 [email protected]
🌍 www.bubblefinancehub.co.uk
👉Samantha Haw (Sam) – Mortgage & Insurance Adviser
As with all insurance policies, conditons and exclusions will apply.

31/05/2026

What Happened to Mortgage Rates in May?

• The Bank of England held the base rate at 3.75% on 30 April — no cut, no rise ➡️
• Despite the hold, major lenders including Nationwide, Halifax, HSBC and Santander started cutting fixed rates
• Average two and five-year fixed rates fell for three weeks in a row 〽️
• The Middle East conflict pushed up oil and gas prices, increasing inflation risk and putting upward pressure on rates ⬆️
• Around 1.8 million fixed-rate deals are due to end in 2026 — many rolling onto higher rates than they're currently on
• The next Bank of England decision is 18 June 2026 📅

May was a busy month in the mortgage market — and if you've been keeping an eye on rates, here's a quick breakdown of what went on 👇

The Bank of England held the base rate at 3.75% at the end of April, but that didn't stop lenders from making moves. Nationwide, Halifax, HSBC and Santander all cut selected fixed rates, with average two and five-year fixes falling for three weeks running 📉

If your fixed rate deal is ending this year, you're not alone — around 1.8 million fixed-rate mortgages are due to expire in 2026…

Not sure what any of this means for your mortgage? That's exactly what we're here for 👩🏽‍💻

Drop us a message and let's have a chat 💬

📍 Bubble Finance Hub Buckinghamshire

Your home may be repossessed if 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.

28/05/2026

Do you need to save a Deposit?

Saving for a house deposit can feel impossible… but it doesn’t have to be🏡

A few small changes can make a BIG difference — here are our favourite deposit-saving hacks

Open a Lifetime ISA (LISA) 🏡
Save up to £4,000 a year and the government adds a 25% bonus. That’s up to £1,000 FREE every year towards your first home.

Cut the invisible spending 🥤
Subscriptions, takeaway coffees, unused apps — small amounts add up FAST.

Track what you spend 💷
Track everything you spend for a whole month and then create a budget cutting out any unnecessary spending.

Sell to Save 👕
You're going to want to declutter before moving so why not make a bit of money out of it. Get selling your old stuff and let someone else have the benefit.

Look for Discount Codes 👀
When shopping online, always search for a cheeky discount code, even if it’s just free delivery, it is still a saving.

Round Up Apps 📱
Round-up apps are a great tool to save money for you almost without you noticing. When you buy something the app will often round up any payments to the next full pound and save the difference for you. It all adds up!

Save First 🪙
Set up a standing order on payday so your savings are done and banked before you can spend it them.

Want to talk through your home buying plans? Get in touch 🏡

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

21/05/2026

Are you Self Employed & looking for a Mortgage? 🏡

Are you a..

✅Sole Trader
✅Ltd Co. Director
✅Partner
✅Juggling multiple income streams?

Look no further… 🙋🏽‍♀️

With access to whole of market we are here to help.

We can understand your income and find the right lender for you.

Want to find out more?

Book in to see us…👩🏽‍💻

Get in touch to start your journey with us… 💬

Your home may be repossessed if 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.

20/05/2026

Coming off your Fixed Mortgage Deal Soon?

You need to book a Mortgage Review with us!

Get a new mortgage deal arranged early
You can secure a new mortgage deal up to six months in advance, this gives you protection if interest rates rise while if interest rates fall your Mortgage Broker will move you on to the better priced deal ⬇️

Book your Mortgage Review with us
As a whole of market mortgage broker I will complete a mortgage review with you, understand your personal circumstances and what is important to you. I will recommend the best product & lender for your needs and arrange your new mortgage being by your side from initial discussion until completion 👩🏽‍💻

Sit back & relax
You can sit back & relax, knowing that I am taking care of your mortgage journey all the way to completion 🏖️

Get in touch to start your journey with us… 💬

Your home may be repossessed if 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.

18/05/2026

Today Halifax is launching a new product to the market for First Time Buyers, enabling you to get on the ladder with as little as £5,000 🏡

Key Points…

🏡£5,000 Minimum personal deposit
🏡£300,000 Maximum purchase price
🏡Employed & Self Employed Applicants
🏡Five year fixed product with no fee
🏡Free standard mortgage valuation

Book in to see us… 👩🏽‍💻

Get in touch to start your journey with us… 💬

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

12/05/2026

Today, on International Nurses Day, we want to take a moment to recognise the incredible work nurses do across the NHS and beyond. Your dedication, long hours, and commitment to caring for others does not go unnoticed 💙

As a mortgage broker, I also understand that many nurses face unique challenges when it comes to securing a mortgage. NHS payslips can be complex, often including shift allowances, overtime, bank work, and varying income structures that not everyone fully understands 🤯

That’s where expert support makes a difference 👩🏻‍💻

Working with someone who understands NHS pay and how to present your income correctly to lenders can open up more options and help ensure you’re not undervalued during the application process ✨

Whether you’re newly qualified, progressing in your career, or balancing multiple roles, there are lenders who will consider your full earning potential 💷

If you're a nurse thinking about buying your first home, moving, or remortgaging, I’m always happy to offer guidance tailored to your situation…

Thank you for everything you do — today and every day 🧡

Your home may be repossessed if 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.

11/05/2026

Are you thinking of buying your first home in 2026?

Thousands of first-time buyers are planning their move in 2026… 🏡

But many don’t know where to start… 🏁

Step 1: Know your budget
Before you scroll Rightmove for hours…
🏡 Understand what you can realistically borrow
🏡 Factor in monthly payments, not just the purchase price

Step 2: Save for your deposit
🏡 Most lenders require at least 5–10%
🏡The bigger your deposit = the better your rates
🏡 There are a range of First Time Buyer Schemes
🏡If you are currently renting you may be able to secure a mortgage with no deposit

Step 3: Check your credit score
Your credit profile plays a HUGE role
📃 Register on the electoral roll
💷 Pay bills on time
⬇️Reduce outstanding debt

Step 4: Get a Mortgage Agreement in Principle (AIP)
🏡This shows sellers you’re serious and gives you a clear price range

Step 5: Understand the true costs
It’s not just the deposit…
💸 Solicitor fees
💸 Survey costs
💸 Moving expenses

Step 6: Use a mortgage broker because we help you:
🔎 Find the right mortgage
🗺️ Navigate the market & recommend the right lender
✔️ Avoid costly mistakes
🏡Support you with your journey from start to completion

Buying your first home doesn’t have to be overwhelming… 🤯

With the right guidance, it’s absolutely achievable… 🏡

Thinking of buying in 2026?

Get in touch for a chat to start your mortgage journey with us… 💬

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

06/05/2026

Does your Mortgage need a work out?

Today is all about celebrating your physical fitness — but when was the last time your mortgage had a workout? 💪🏻

Just like our bodies, finances can get a little out of shape if we don’t check in on them regularly 👨🏻‍⚕️

A quick review could help:

🏋🏻 Trim down your monthly payments
🏋🏻 Fix your rate before things change
🏋🏻 Or make sure your deal is still working as hard as you are

If it’s been a while since your last Mortgage Review, now might be the perfect time to see if your mortgage is still fit for purpose…

Get in touch for a chat to start your mortgage journey with us… 💬

Your home may be repossessed if 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.

05/05/2026

Are you waiting for mortgage rates to go down? 🤔

Listen very carefully…

DON'T WAIT… ❌

Lock in a rate NOW 🔒

If rates go up ⬆️ — you’re protected

If rates go down ⬇️— we can switch you to a better deal

We can secure your new mortgage product 6 months in advance…

So the earlier you start, the better your chances of getting the lowest rate 📉

Get in touch for a chat to start your mortgage journey with us… 💬

Your home may be repossessed if 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.

Address

Tring

Telephone

+447445941684

Website

https://www.bubble-finance.co.uk/team/samantha-haw-sam-mortgage-insurance-adviser-cemap-cerer/

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