Hand Picked Mortgages Ltd

05/11/2026

Today's announcement sees the Bank of England base rate increase from 3.75% to 4%.

It's understandable that news like this might cause a little concern, particularly if you're coming towards the end of your current mortgage deal or thinking about buying a home.

But before you panic, here's what you need to know:

🏡 Already on a fixed rate mortgage? Your monthly payments won't change as a result of today's announcement. Your rate is fixed for the agreed period.

🏡 On a tracker mortgage? Your payments are likely to increase in line with the change, depending on the terms of your mortgage.

🏡 On your lender's variable rate? Your lender may decide to increase its rate, although this isn't necessarily an automatic or identical change.

🏡 Coming to the end of your fixed rate? It's worth reviewing your options sooner rather than later. Mortgage rates don't always move in line with the Bank of England base rate, so it's important to look at the wider market.

Don't panic, and don't make assumptions - every mortgage and every set of circumstances is different.

At Hand Picked Mortgages, we're here to help you understand what changes like this mean for you, whether you're buying your first home, moving, or reviewing your existing mortgage.

If you're unsure what today's announcement means for your mortgage, we're always happy to have a chat.

📞 01908 596005
📧 [email protected]

Lisa Hand Picked Mortgages

29/10/2026

Buying, moving or reviewing your mortgage? Here’s what the Autumn Budget could mean for your plans.

🔑 More support for first time buyers
Your First Home is a new government scheme designed to help eligible first time buyers. Applications are expected to open in February 2027, with further government guidance to come before launch.

📦 Planning a move?
There was no Stamp Duty reform announced, so keep it in your budget alongside legal fees, moving costs and other expenses.

💬 Ready to revisit your plans?
If you’ve put your plans on pause, get in touch to review your mortgage options and explore your next steps.

14/10/2026

We love a 5-star review… ⭐️ but it’s the photos like this that make us love what we do even more. ❤️

And this one feels extra special because this was Lisa Hand Picked Mortgages first client completion since joining Hand Picked Mortgages! 🥰🔑

Her client sent us this gorgeous photo to celebrate getting the keys to their new home, and it honestly made our day.

Behind every mortgage is a person, a family and a new chapter. So when we get to see the moment it all comes together, it’s a wonderful reminder that what we do really can make a difference.

We couldn’t be happier for Lisa and her clients and what a lovely way to celebrate her first completion with us! 🏡❤️

It’s more than a mortgage. It’s the difference we get to make.

12/10/2026

This called for a little office outing! 👀

Our new Hand Picked Mortgages advert is now up at Central Milton Keynes train station, and seeing it there for the first time was pretty exciting! 🥰

Luckily, it’s only a 2-minute walk from our office, so Lisa and I didn’t have to go far for our little photoshoot! 😂

Huge thanks to WHP Creative for creating something we so proud to see up there.

If you’re passing through CMK station, keep an eye out for us 👀

10/09/2026

🌸 When a HUGE bunch of flowers arrives at the office, you have two choices…

Take them home… or admit that you’re currently spending more time in the office than you are at home! 😂

So, they’re staying here. 🌷

With rates moving and clients keen to secure their mortgage before any further increases, it’s been a busy week behind the scenes getting everything in place.

In the meantime, at least the office is looking pretty! 💐☕

09/09/2026

🌱 Helping you prepare for the homes of the future

A huge congratulations to Lisa Hand Picked Mortgages on achieving her Certificate in Financing Greener Homes! 👏

As energy efficiency becomes an increasingly important part of home ownership, it’s great to have this specialist knowledge within the Hand Picked Mortgages team.

Whether you’re considering solar panels, a heat pump, home improvements or simply making your property more energy efficient, we’re here to help you understand how these changes could fit into your mortgage and future plans.

Because great mortgage advice isn’t just about today - it’s about helping you plan for tomorrow too. 🏡💚

I’m delighted to have been awarded the Certificate in Financing Greener Homes.

With the Government setting energy efficient home targets, Lloyds Banking Group sponsored and funded scholarships for 500 people across our industry to do an official qualification. Back in March 2026 I applied and was accepted. 80% of mortgages written are by Mortgage Advisors so it was their mission to spread the knowledge not only on ‘Green Mortgages’ but on all sustainable products out there which help to achieve a more energy efficient home.

The Green Finance Institute delivered a 10 week programme focusing on the forthcoming energy efficiency changes for homeowners, landlords and property developers. The London Institute of Banking & Finance (LIBF) accredited the qualification.

With lots of changes imminent it feels good to be ahead of the curve.

SolarPanels EnergyEfficiency FutureHomes PropertyDeveloper LandlordUK NRLA GreenEnergy

30/08/2026

His mortgage strategy? Leave it to the professionals. 🐶

No stressing over lender criteria.
No worrying about affordability.
No trying to work out which mortgage is right.

Just find someone you trust… and let them do the hard work.

If only every part of buying a home was this relaxing.

27/08/2026

Your mortgage journey should feel a little more like this… ☕

Calm. Clear. In control.

Behind the scenes, we’re dealing with the paperwork, lender questions, affordability calculations and the occasional curveball — so you don’t have to.

Because when someone is keeping an eye on the details, you can get on with enjoying the coffee. 😉

Rely on year-round mortgage support.

24/08/2026

Buying a home is a big step, and there’s a lot to think about along the way.

From understanding what you can afford, to choosing the right mortgage and knowing what to do next, having someone in your corner can make the whole process feel a little easier.

Because the right advice isn’t just about finding a mortgage. It’s about helping you feel confident about the decisions you’re making.

Your key to moving forward starts with the right advice. 🔑