Craig Mortgage Advice

27/10/2026

So happy to have been able to do this. It was a great experience and Tania & Tom are fantastic, professional and put you at ease.

I DIDN’T THINK I’D EVER GET A MORTGAGE

OUT TOMORROW AT 7PM! 🔥

Season 2 continues with Tania sitting down with mortgage and protection broker Craig Mortgage Advice to talk about the realities of getting onto the property ladder and why being turned down by a bank doesn’t necessarily mean you’re out of options.

Craig shares his experience helping first-time buyers, self-employed clients and people with poor credit or complex income, as well as explaining re-mortgaging, buy-to-let and the importance of having the right financial protection in place.

Expect a practical conversation about mortgages, credit history, self-employment, life insurance, critical illness cover, income protection and why getting the right advice early can make the whole process feel much less stressful.

🕖 Tomorrow at 7PM
🎥 TT23 Studios

You don’t want to miss this episode! 👀

25/10/2026

From hospitality to mortgages — I’ve swapped menus for mortgage options!

I recently joined Tania at TT23 Studios to chat about my journey from over 20 years in hospitality and running my own business to becoming a mortgage and protection adviser.

We discussed first-time buyers, self-employment, poor credit and more complex cases — including why a “no” from your bank doesn’t always mean the end of the road. We also talked about protecting yourself and your family when life takes an unexpected turn.

A huge thank you to Tania and Tom for the opportunity and their fantastic, professional service. Such a friendly team who made the whole experience a pleasure!

📅 The full episode goes live on Wednesday 28th October at 7pm.

Have a watch — hopefully you’ll come away knowing a little more about the options available to you!

23/10/2026

A review like this is why I love being a mortgage adviser. I always put the clients needs first and that means devoting time, care and dedication to every client and every case. The best outcome for the client is always a priority for me,as this review shows.
And thank you for taking the time to leave such a lovely review.

21/10/2026

https://craigmortgage.co.uk/mortgages/credit-reports/

You actual credit score is only a single factor in how a lender actually assesses your credit profile and credit worthiness. All banks have different internal scoring systems and widely diverging criteria when assessing your application.

Your credit utilisation, historic missed payments and level of debt to income impact how lenders view you. Take a look at the article for a good read.

21/10/2026

🏡 Mortgage rates are rising – but what does that actually mean for you?

Mortgage rates have gone up over the last few months, and that is having an impact on anyone looking to remortgage, buy their first home or move house.

If you are remortgaging, there is very little difference at the moment between 2-year and 5-year fixed rates.

A 2-year fix may suit you if you think rates could come down in the next couple of years and you want to review things sooner.

A 5-year fix may be better if you want the security of knowing your payments will stay the same for longer.

Tracker rates can look attractive too, but they usually move in line with the Bank of England base rate, so if rates rise, your payments could rise as well.

If you are staying with your current lender, a product transfer can often be arranged without a full remortgage application. In many cases, it is worth looking at your options around 6 months before your deal ends.

If you are moving home, it is also important to check whether your mortgage is portable. This means you may be able to take your current deal to a new property, subject to the lender approving the application.

If you are a first-time buyer, the key thing is not trying to guess the market perfectly, but understanding:

✅ what you can borrow
✅ what you can afford each month
✅ what options are available to you

The earlier you start looking at your options, the better.

If you want to chat through your mortgage options, feel free to get in touch.

💬 WhatsApp: https://wa.me/447984649761
📧 [email protected]
🌐 https://craigmortgage.co.uk/

26/09/2026

8th October, The Central Hub, Llandudno.

💜 BILL CLINIC – LLANDUDNO 💜
Check. Compare. Protect. Save.

Household bills seem to keep going up, so why not pop along and see if I can help you keep a little more of your hard-earned money in your pocket? 💷😊

I’ll be offering a FREE, no-obligation 10-minute bill review, looking at:

⚡ Energy
📶 Broadband
📱 Mobile
🏡 Insurance

📅 Thursday 8th October
⏰ 10.30am – 12.30pm
📍 The Central Hub Llandudno, 17 Madoc Street

Bring along a recent bill or access to your app and we can have a friendly chat about what you’re currently paying and see if there are any savings, better deals or extra benefits available to you. 💜

✅ No pressure
✅ No obligation
✅ No appointment needed – just drop in!

It only takes around 10 minutes and you never know what you could save! 💷

Keep your hard-earned money where it belongs – in your pocket! 💜

Please feel free to share with friends and family in the Llandudno area who might benefit.

📞 Vicky – 07990 526907

26/09/2026

I am looking for people who want to have a no obligation review of their finances. You could be a first time buyer looking at buying your first home or a mortgage holder looking at switching to a new rate or borrowing more to make home improvements. Whatever your situation, send over a WhatsApp to start the conversation.

20/09/2026

🏠 Think your credit score is too low for a mortgage?

Your credit score is useful, but it doesn’t tell the whole story.

The three main UK credit reference agencies are Experian, Equifax and TransUnion — and they all use different scoring systems.

More importantly, mortgage lenders don’t simply use the score you see on an app. They have their own internal credit scoring and lending criteria.

They may look at things such as:

• Missed or late payments
• Defaults or CCJs
• How recent any credit problems were
• Credit card and overdraft balances
• Your income and commitments
• Your deposit
• Their own affordability assessment

So a low score doesn’t automatically mean no mortgage, and an excellent score doesn’t guarantee an acceptance.

If you’ve had credit problems in the past, getting advice before making multiple applications can make a big difference.

I can look at your credit profile and circumstances and help identify lenders that may be more suitable for you.

👉 Read my full guide to credit reports and mortgages:
https://craigmortgage.co.uk/mortgages/credit-reports/

📱 WhatsApp me: https://wa.me/447984649761

Friendly, straightforward mortgage advice without the jargon.

18/09/2026

🏠 Bank Rate is on hold at 3.75%, but mortgage rates haven’t stood still.

According to Moneyfacts, average fixed mortgage rates are currently around:

• 2-year fix: 5.77%
• 5-year fix: 5.82%

And with everyday costs still high, petrol around £1.71/litre and diesel around £1.94/litre, many households are understandably reviewing their monthly outgoings.

If your current mortgage deal is ending in the next 6 months, or you simply feel your finances could be working harder for you, it may be worth reviewing your options now.

As a whole-of-market mortgage adviser, I can look across a wide range of lenders, not just your existing bank.

I can help you:

• secure a new rate in advance
• review your monthly mortgage costs
• look at whether your current borrowing is structured in the most suitable way
• keep monitoring the market before your new deal starts

Don’t be average, I can handle the remortgage process for you.

📲 Message me if you’d like me to take a look at your options, or contact me on WhatsApp: Message me on WhatsApp

16/09/2026

Weekend tackle?

A bad knee, broken ankle or shoulder injury might keep you off the pitch…

…but could it also stop you doing your day job?

Builder. Engineer. Electrician. Teacher. Driver. Office worker. Self-employed.

That’s when a sporting injury can become a financial problem too.

My own children have played football and rugby around Colwyn Bay, Conwy and Denbighshire, so I’ve seen plenty of injuries from the stands over the years.

Most are minor. Some aren’t.

If an injury stopped you working, how long could you keep paying the mortgage, rent and household bills?

Income protection can help, but insurers don’t all treat semi-professional and competitive sport in the same way.

Some may apply sporting exclusions. Others may take a different view depending on whether you are paid, how often you train and play, and the level of sport involved.

That’s why it makes sense to compare the market rather than simply buying a policy advertised as “income protection for sports players”.

I can look at your job, income and sporting activity and help find cover that suits your individual circumstances.

I can also arrange separate accident cover which may provide benefits for things such as:

🦴 Broken bones
🏥 Hospitalisation following an accident
🩹 Certain permanent accidental injuries
👨‍👩‍👧 Children’s accident cover, including broken bones and hospitalisation benefits

This can potentially sit alongside income protection and provide another financial safety net for you and your family.

⚽ Football
🏉 Rugby
🥊 Contact sports
🏃 Competitive sport

Want to know what cover may be available?

📲 WhatsApp me:
https://wa.me/447984649761

If you run or represent a local club or association, I can also arrange a half-day team talk, speaking with players as a group or individually about their protection options.

Craig Michaelson
Mortgage & Protection Adviser

Cover, exclusions and benefits vary by insurer and are subject to individual circumstances and underwriting.