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Upholland - The Mortgage Factory, 21 Hall Green, Upholland (2026)

23/07/2025

This is what someone looks like when they have just saved one of our clients £𝟰𝟬,𝟬𝟬𝟬! That’s £222 per month!
A client of Sam recently came in wanting some mortgage advice, instead of going straight to her bank, something sadly a lot of people still do.

Sam didn’t stop at the obvious.
Sam explored her full circumstances.
Sam asked the right questions.

But what did Sam discover?
She had extra room in her monthly budget, which meant serious money could be saved.
So, instead of just securing the new rate and saving a small amount of money, Sam reduced her mortgage term to 15 years and in doing so, we helped her save over £40,000 in interest. Yes, 40 big ones!

All from a conversation she nearly didn’t have.

The truth is, if she’d gone direct to her lender, this opportunity might have been completely missed. No one would have suggested a term change. No one would have run the numbers. And £40k could’ve been lost to interest.

Mortgage advice isn’t just about finding a rate. It’s about making the rate work smarter for you. That’s what we do and that’s what we are good at!

If you're coming to the end of your current deal, don't go it alone. Let’s talk through all your options even the ones you didn’t know you had.

Your home may be repossessed if you do not keep up the repayments on your mortgage.
There may be a fee for mortgage advice: The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495.

23/07/2025

Locked into a 2023 mortgage deal? It might be costing you more than you think

Thousands of homeowners signed fixed-rate deals when rates were sky high.
Now that some rates have dropped below 4%, it might actually be cheaper to switch, even if you have to pay to get out early.

Here’s why it could make sense:

Average fixed deals hit 5.74% in 2023

Some lenders now offer 3.87%

On a £200,000 mortgage, switching could cut your monthly payment by over £200

Even with early repayment fees, you might still come out better off overall

It’s not always worth it, but for some, it’s a chance to stop overpaying.

Want to see if the numbers work in your favour?
Call 0800 731 3822 or drop me a message.
I'll run the figures and tell you straight.

Important to know:
There may be a fee for mortgage advice. The actual amount you pay depends on your circumstances. The fee can be up to 1%, but a typical fee is £495.
Your home may be repossessed if you do not keep up repayments on your mortgage.

22/07/2025

𝗬𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗱𝗲𝗮𝗹 𝗶𝘀 𝗲𝗻𝗱𝗶𝗻𝗴. 𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝗿𝗮𝘁𝗲𝘀 𝗴𝗼 𝗯𝗮𝗰𝗸 𝘂𝗽 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗮𝗰𝘁?
Inflation is rising again. The Bank of England paused rate cuts.
And lenders are already pulling some of their cheapest deals.

If you wait too long, your new mortgage might cost you hundreds more per month than it should.
You only need to miss this window once to regret it for the next five years.
Let this sink in:
• A delay could mean paying more every single month
• If rates jump before your deal ends, you could be trapped
• Some lenders won’t let you secure a new deal more than 6 months ahead
• And if your current rate expires, you'll be moved onto a variable rate — often over 7%

Check now. Not later.

Don’t assume “I’ll be fine” because a lot of people thought that before their payments shot up.
Call 0800 731 3822.

Let’s lock something in before the deals disappear.

Important to know:
There may be a fee for mortgage advice. The actual amount you pay depends on your circumstances. The fee can be up to 1%, but a typical fee is £495.
Your home may be repossessed if you do not keep up repayments on your mortgage.

21/07/2025

If your mortgage deal is up soon, it’s worth checking now. Waiting might not pay off.

Inflation’s creeping back up again, and that could slow down any future interest rate cuts.

If you're holding out for cheaper deals later in the year, that plan might not work out the way you'd hoped.

Here’s what you need to know:

Inflation is back up to 3.6%

The Bank of England held interest rates at 4.25%

Lenders have already priced in lower rates, but that might stall

Some fixed deals are now below 4%

If you’re still on a 2023 fix, you’re probably overpaying

And if your deal ends soon, waiting might cost you more than switching now

Every case is different. But if your current deal ends in the next 6 to 9 months, now is the time to check what’s out there.

Call 0800 731 3822 or send me a quick message
I’ll help you figure out what actually makes sense.

Important to know:
There may be a fee for mortgage advice. The actual amount you pay depends on your circumstances. The fee can be up to 1%, but a typical fee is £495.
Your home may be repossessed if you do not keep up repayments on your mortgage.

19/07/2025

𝗬𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝘀𝗮𝘃𝗲 𝗺𝗼𝗻𝗲𝘆 𝗯𝘆 𝗯𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗲𝗮𝗿𝗹𝘆?

If you fixed your mortgage in 2023, you might be paying way more than you need to.

A lot of homeowners took five-year deals when rates were high. Now that rates have dropped, some could actually save money by switching early — even after paying the exit fee.

Example:
Someone with a £192,000 balance on a 5.74% fix could:

Pay around £5,700 to exit early

Switch to a 3.87% deal

Cut their repayments by about £203 a month

Save over £7,300 over the remaining 3 years

Still come out £538 better off after all fees

It’s not the right move for everyone. You’ve got to factor in solicitor costs, lender fees and any setup charges from the original deal. But for some, it stacks up.

Want to know if it works for you?
Call 0800 731 3822 or message me directly. I’ll run the numbers and tell you straight.

Important to know:
There may be a fee for mortgage advice. The actual amount you pay depends on your circumstances. The fee can be up to 1%, but a typical fee is £495.
Your home may be repossessed if you do not keep up repayments on your mortgage.

18/07/2025

𝗚𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝗶𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗼𝗻 £𝟯𝟬𝗸 𝗮 𝘆𝗲𝗮𝗿

Nationwide have lowered the income needed for one of their mortgage deals.

It used to be £35,000 minimum for a single applicant. Now it’s £30,000.
For joint applications, the combined income needed has dropped from £55,000 to £50,000.

That change could mean thousands more people now qualify for a mortgage.

If you’ve been renting, living at home, or just feeling stuck because of your salary, this might be worth a look.

It won’t suit everyone, but if you want me to check if you’d qualify, give us a ring on 0800 731 3822 or message me directly. Quick chat, no pressure.

A couple of things to be aware of:
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee can be up to 1%, but a typical fee is £495.

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

17/07/2025

New mortgage rules could change everything for first-time buyers

Big update today from the Chancellor.

The government is relaxing lending rules to give more people a proper shot at getting on the property ladder — and for once, it’s not just talk.

Here’s what’s changing:

✅ Nationwide are now accepting solo buyers earning £30,000 (was £35,000)
✅ Joint applicants need £50,000 combined (was £55,000)
✅ Some lenders will start offering more mortgages over 4.5x your income
✅ A proper review is starting to let rent payments count toward mortgage decisions
✅ The Mortgage Guarantee Scheme is being made permanent to support low deposits

If you’ve been paying rent on time for years but told you “can’t afford a mortgage” — that might finally change.

This could open up the door for thousands of buyers who’ve been stuck waiting.

Want to find out what this means for you?

Call us on 0800 731 3822 or message me directly.
Quick chat. No pressure. No nonsense.

Important to know:
There may be a fee for mortgage advice. The actual amount you pay depends on your circumstances. The fee can be up to 1%, but a typical fee is £495.
Your home may be repossessed if you do not keep up repayments on your mortgage.

16/07/2025

𝗘𝗮𝗿𝗻𝗶𝗻𝗴 £𝟯𝟬,𝟬𝟬𝟬 𝗮 𝘆𝗲𝗮𝗿? 𝗬𝗼𝘂 𝗺𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Nationwide have just updated one of their mortgages, and it could help more people get on the property ladder.

Before, you needed to earn £35k on your own to apply. That’s now dropped to £30k.

For couples, it’s gone from £55k down to £50k combined income.

This means some first-time buyers who were recently told no might now get a yes.

If you've been unsure whether your income is enough, this could make a difference.

It won’t apply to everyone, but if you want to find out if you’re eligible, give us a call on 0800 731 3822 or drop me a message. I’ll check it for you. No pressure, just straight answers.

You might be closer than you thought.

There may be a fee for mortgage advice: The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495.

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

10/04/2025

𝗠𝗲𝗲𝘁 𝗝𝗼𝗵𝗻𝗻𝘆 – 𝗢𝗻𝗲 𝗼𝗳 𝗢𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗔𝗱𝘃𝗶𝘀𝗲𝗿𝘀 𝗪𝗵𝗼 𝗚𝗼𝗲𝘀 𝘁𝗵𝗲 𝗘𝘅𝘁𝗿𝗮 𝗠𝗶𝗹𝗲
Buying your first home can be exciting… and a bit overwhelming. Just ask one of our recent clients, a first-time buyer with their heart set on the perfect place – but unsure whether it was truly affordable.

They came to The Mortgage Factory feeling nervous, not just about the numbers, but about the whole process. That’s where Johnny, one of our brilliant advisers, stepped in.

Johnny worked closely with them to break everything down step by step – looking at their income, commitments, and long-term plans. He explored every angle to maximise their affordability and find the right lender for their unique situation.

It wasn’t all smooth sailing. There were moments of doubt, back-and-forths with lenders, and a few stressful delays. But Johnny kept everything moving behind the scenes, communicating regularly, reassuring them, and pushing things forward.

And the result?

They got the mortgage offer.
They’re buying the home they thought might be out of reach.
And they’re absolutely buzzing.

This is what we’re all about at The Mortgage Factory. Real advice. Real support. And real people, helping you make one of the biggest decisions of your life feel that little bit easier.

There may be a fee for mortgage advice: The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495. Your home may be repossessed if you do not keep up the repayments on your mortgage

08/04/2025

Why You Should Speak to a Mortgage Adviser Before House Hunting
It’s exciting to scroll through property websites, pick your favourite neighbourhoods, and start imagining your future home. But before you book those viewings, there’s something even more important to do first—check what you can realistically borrow.

Here’s why getting your mortgage sorted first makes all the difference:

Know Your Budget
A mortgage in principle gives you a clear idea of how much you can borrow

You avoid falling in love with homes that are out of reach

Sellers and estate agents take you more seriously if you’re already mortgage-approved

Make Better Decisions
You'll understand your deposit options and monthly payments

You can compare fixed vs variable deals early

You’ll be ready to move quickly if you find the right property

Avoid Delays
Getting your mortgage paperwork ready now means less stress later

Pre-approval can help you beat the competition in a fast-moving market

At The Mortgage Factory, we help first-time buyers get prepared with a mortgage in principle and personalised advice, so you can house hunt with confidence.

Get in touch today and start your journey the right way.

There may be a fee for mortgage advice: The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495. Your home may be repossessed if you do not keep up the repayments on your mortgage.

07/04/2025

If you're a first-time buyer, one of the biggest decisions you'll make (after choosing your dream home) is whether to go with a fixed or variable mortgage rate. Here’s a simple breakdown to help you understand the difference:

Fixed-Rate Mortgage
Your monthly payment stays the same for a set period (typically 2, 5, or 10 years)

Makes it easier to budget, as there are no payment surprises

If interest rates drop, your payments won’t change

Variable-Rate Mortgage (Tracker or Standard Variable)
Your rate can move up or down, depending on the Bank of England base rate

You might start with a lower interest rate than a fixed deal

If interest rates rise, your monthly payments may increase

Which one is better?
It really depends on your personal situation, including your income stability, how long you plan to stay in your home, and your comfort with changing payments.

At The Mortgage Factory, we’ll talk you through the pros and cons of each option and help you choose the one that’s right for you. No pressure, no jargon – just clear advice to help you get it right first time.

Send us a message today to get started with a free initial consultation.

There may be a fee for mortgage advice: The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495. Your home may be repossessed if you do not keep up the repayments on your mortgage.

Upholland - The Mortgage Factory

23/07/2025

23/07/2025

22/07/2025

21/07/2025

19/07/2025

18/07/2025

17/07/2025

16/07/2025

10/04/2025

08/04/2025

07/04/2025

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