Glenn Whitfeld - Mortgage & Protection Adviser

09/09/2026

🏡 THINKING ABOUT GETTING A MORTGAGE?

Whether you're:

✅ A first-time buyer
✅ Moving home
✅ Remortgaging
✅ Self-employed
✅ A contractor
✅ A foreign national
✅ Buying a property with a more complicated situation

There may be more options available than you think.

I can search the mortgage market and look at your circumstances to see what could be available.

👉 Start your mortgage enquiry here:
https://onlito.link/jPzAz_

📩 Or message me directly and let's have a chat.

OneDome - The New Way to buy a home.Watch the extended 60 second ...

09/09/2026

If you died tomorrow…

How long would your family be financially OK for?

Would they be able to:

🏠 Keep paying the mortgage?
💷 Cover the monthly bills?
👨‍👩‍👧‍👦 Maintain their current lifestyle?
💰 Deal with any debts or unexpected costs?

We don't like to think about it — but planning for the worst could make a huge difference to the people you leave behind.

Life insurance could provide a lump sum to help protect your family financially if you die.

Don’t assume you're already covered — or that your existing cover is enough.

📩 Message me “PROTECT” for a FREE protection review.

No obligation. Just a conversation to see whether you and your family are properly protected.

Call me on 07722187410 or 01489250344

03/09/2026

🏠 Why do mortgage lenders suddenly change their interest rates?

A common question I get asked is: “The Bank of England hasn't changed Base Rate, so why has my mortgage rate gone up?”

The answer is that there is far more to mortgage pricing than just the Base Rate 👇

📊 Swap rates
For fixed-rate mortgages, lenders closely watch swap rates. These are influenced by what financial markets think interest rates will do in the future. If swap rates rise, lenders may increase fixed mortgage rates — sometimes before the Bank of England changes Base Rate.

📈 Inflation
Higher inflation can mean interest rates need to stay higher for longer. The Bank of England's inflation target is 2%, but inflation is currently above that level, keeping pressure on borrowing costs.

🌍 What's happening around the world
Global events can have a direct impact on your mortgage. Right now, conflict in the Middle East has pushed up concerns around oil and energy prices. Higher energy costs can feed into inflation, causing markets to rethink where interest rates are heading.

🏛️ Government borrowing and gilt yields
When the cost of UK government borrowing rises, this can also put pressure on financial markets and swap rates. Recent volatility in global bond markets has seen UK gilt yields rise sharply.

🏦 Lender competition and funding costs
Lenders also have their own funding costs, targets and appetite for new business. Sometimes a lender will cut rates aggressively to win business. Other times, if funding becomes more expensive or they receive too many applications, they may increase rates or withdraw products.

⚠️ So what does this mean right now?

The mortgage market can move very quickly.

In recent days, rising energy prices, inflation concerns and volatility in global bond markets have pushed swap rates higher, putting pressure on fixed mortgage pricing. Some lenders have already started repricing their products.

👉 The key point: Don't assume your mortgage rate will stay available just because the Bank of England hasn't changed Base Rate.

If you're buying, remortgaging or your current deal ends in the next few months, it may be worth reviewing your options sooner rather than later.

📞 Get in touch for a no-obligation mortgage review

01489250344 or 07722187410

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

02/09/2026

🏠 Mortgage options for First Time Buyers

🔹 5% Deposit – 95% LTV
Buy with just 5% deposit. There are a range of lenders offering 95% mortgages, subject to affordability and criteria.

🔹 10% Deposit – 90% LTV
A larger deposit can potentially give access to more competitive rates and reduce the amount borrowed.

🔹 15%+ Deposit – 85% LTV or lower
The more deposit you have, the lower the LTV, which can potentially mean better rates and lower monthly payments.

🔹 100% Mortgages
Some lenders offer products that allow eligible first-time buyers to purchase with no deposit, subject to specific eligibility and affordability criteria.

🔹 Joint Borrower, Sole Proprietor
A family member can potentially help with affordability by joining the mortgage, while not necessarily being named on the property ownership.

🔹 Shared Ownership
Purchase a percentage of a property and pay rent on the remaining share. This can reduce the initial deposit and mortgage required.

🔹 Gifted Deposit
Parents or family members may be able to provide some or all of the deposit, subject to the lender's requirements.

🔹 Help for Buyers with Different Circumstances
Being self-employed, a contractor, having variable income, student loans or other financial commitments doesn't automatically mean you can't get a mortgage. Different lenders assess income in different ways.

The key is finding the right lender for your circumstances — not just the cheapest rate.

To discuss the options available to you, call me on 01489250344 or 07722 187410

01/09/2026

🎁 REFER A FRIEND. GET £100. THEY GET £100 TOO! 🎁

Know someone who’s looking for a mortgage?

Maybe they’re:

🏠 A first-time buyer
🔑 Moving home
💷 Looking to remortgage
🏡 Buying a Buy to Let
👨‍💻 Self-employed
📋 A contractor or freelancer
💼 A company director

Send them my way!

If they’re a new client and go on to complete their mortgage, you could both receive a £100 Amazon voucher. 🎉

And there’s no limit to the number of people you can refer.

All you need to do is:

1️⃣ Get their permission to share their details
2️⃣ Introduce them to me

I’ll then take care of the rest.

Know someone who could benefit from a mortgage review?

📩 Message me today and let’s get them started.

Terms and conditions apply. Referral must be a new client and the mortgage must complete. Consent must be obtained before sharing anyone’s details. £100 Amazon voucher payable to both parties subject to the scheme terms.

01/09/2026

25/08/2026

Life Changes. Your Protection Should Too.

🏠 Buying your first home

Consider:

Life Insurance

Critical Illness Cover

Income Protection

You may now have a mortgage and monthly commitments that could be difficult to maintain if you died, became seriously ill or were unable to work.

❤️ Moving in with a partner / getting married

Consider:

Life Insurance

Critical Illness Cover

Income Protection

Your finances may become more dependent on each other, so it is important to consider how bills, the mortgage and everyday living costs would be covered.

👶 Having children

Consider:

Family Life Insurance

Critical Illness Cover

Income Protection

Children's Critical Illness Cover

Protection can help provide financial security if a parent dies, becomes seriously ill or is unable to work.

🏡 Moving to a bigger home

Consider:

Reviewing existing Life Insurance

Increasing Critical Illness Cover

Income Protection

A larger mortgage and higher household costs may mean your existing protection is no longer enough.

💼 Becoming self-employed

Consider:

Income Protection

Critical Illness Cover

Life Insurance

Unlike many employed people, you may not have the same level of sick pay or employee benefits, making protection particularly important.

💍 Divorce or separation

Consider:

Reviewing existing policies

Updating beneficiaries

Checking whether cover is still suitable

Your financial responsibilities may have changed significantly.

👨‍👩‍👧 Children becoming financially independent

Consider:

Reviewing the amount of Life Insurance

Maintaining Income Protection

Reviewing Critical Illness Cover

You may no longer need the same level of family protection, but you could still have a mortgage or need to protect your own income.

🏖️ Approaching retirement

Consider:

Reviewing outstanding debts and mortgage

Reviewing Life Insurance needs

Considering Whole of Life Cover for inheritance or funeral planning

Your priorities may shift from protecting income and dependants to protecting your estate or leaving money behind.

Your protection shouldn't be a “set it and forget it” decision.

A new home, new job, marriage, children, divorce, becoming self-employed or approaching retirement are all good reasons to review whether your protection still fits your life.

If you would like to discuss your options, call me on 01489250344 or drop me a message

20/08/2026

🏡 Mortgage FAQs – Answered!

“How much deposit do I need?”
It’s not always 20% or 10%. Some mortgage options are available with as little as 5% deposit, depending on your circumstances.

“Can I get a mortgage if I’m self-employed?”
Yes! There are plenty of lenders who consider self-employed applicants, although they assess income in different ways.

“Will bad credit stop me getting a mortgage?”
Not necessarily. It depends on what happened, when it happened and your current circumstances.

“How much can I borrow?”
It’s about more than just your salary. Lenders look at income, commitments, dependants and affordability.

“Should I speak to a broker before finding a property?”
Absolutely. Knowing your budget and having an Agreement in Principle can put you in a stronger position when you find the right home.

💬 Got a mortgage question you’ve always wanted to ask?

Drop me a message – no question is too simple!

📩 Message me today to see how I can help with your mortgage journey.

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

20/08/2026

🛡️ PROTECTION ISN’T ONE-SIZE-FITS-ALL

Your protection needs can change dramatically depending on where you are in life.

Buying your first home?
Growing your family?
Self-employed?
Relying on your income?
Have a mortgage?
Planning for retirement?

There are different types of protection designed for different situations:

🏠 Life Insurance
If you have a mortgage or people who depend on you financially, life insurance can provide a lump sum if you die. This could help repay the mortgage and provide financial support for your family.

💔 Critical Illness Cover
A serious illness could mean time away from work and significant financial pressure. Critical illness cover can provide a lump sum if you're diagnosed with one of the specified illnesses covered by the policy.

💷 Income Protection
What happens if you're unable to work because of illness or injury? Income protection can provide a regular income to help cover your mortgage, bills and everyday living costs.

🏠 Mortgage Protection
Your mortgage is likely to be one of your biggest monthly commitments. The right protection can help ensure your family isn't left struggling with the mortgage if something happens to you.

👨‍👩‍👧 Family Protection
If your household relies on your income, protection isn't just about the mortgage. It's about helping your family maintain their lifestyle if you are no longer there or can't work.

🏢 Relevant Life Cover
For certain company directors and business owners, relevant life insurance can be a tax-efficient way for a business to provide life cover.

💼 Key Person Cover
If your business relies heavily on one or more individuals, losing that person could have a serious financial impact. Key person cover can help protect the business.

👴 Whole of Life Cover
Unlike standard term insurance, whole of life cover is designed to provide cover for the rest of your life, subject to the policy terms and premiums being maintained.

The important thing is that you don't necessarily need all of these.

Your age, mortgage, income, family, employment, business and financial commitments all make a difference.

And remember…

⏰ Yesterday was the best time to arrange protection. Today is the second best.

In many cases, the younger and healthier you are when you take out cover, the lower your premiums are likely to be.

📩 Want to know what protection could be suitable for your circumstances? Message me for a no-obligation protection review.

17/08/2026

Different lenders, different ways of assessing income 💷

Think getting a mortgage is simply about your salary? Not always.

Lenders can assess income very differently depending on how you’re paid:

👔 Employed

Salary, overtime, bonuses, commission and allowances can all be treated differently from lender to lender.

💼 Self-employed

Some lenders look at your average profits over 2–3 years, while others may use the latest year's figures if certain criteria are met.

🏢 Limited Company Directors

Your salary and dividends may be considered — but some lenders can also take retained profits into account.

🔨 Contractors

Day rate, contract length, trading history and how the contract is structured can all affect how your income is assessed. Some lenders may annualise your day rate.

📊 The important bit:

Two lenders can look at exactly the same income and come up with completely different affordability figures.

That's why choosing the right lender isn't always about finding the lowest rate — it's about finding the lender whose criteria fits your income.

Not sure how a lender would assess your income? Drop me a message and I can take a look. 📩

Call me on 01489250344 for a free no obligation chat