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WISEONE Mortgages

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WISEONE Mortgages

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WISEONE (UK) Ltd, is authorised and regulated by the Financial Conduct Authority, we are a national independent mortgage brokerage.

We take pride in our personal touch and aim to make your mortgage journey as easy as possible.

03/11/2026

BUY TO LET MORTGAGES 🏠

Over the coming weeks, we’ll be sharing a four-part series to help you learn more about buy to let mortgages.

Whether you’re considering a property investment or simply want to understand how buy to let works, keep an eye out for the upcoming posts.

📩 If you would like more information, speak to one of our advisers.
📞 0161 776 2508
🌐 www.wiseoneuk.com

30/10/2026

October’s mortgage market has been unpredictable, with average fixed rates reaching around 6% earlier this month.

Global uncertainty and energy price concerns have put pressure on financial markets and swap rates, which can influence fixed mortgage rates. The Bank of England’s base rate is 3.75%, but that doesn’t automatically mean mortgage rates will fall.

There has been some positive news too, with selected lenders making rate cuts as they compete for borrowers. The options available can vary between lenders and depend on your circumstances.

If you’re buying a home or your current deal is coming to an end, it could be a good time to review your options.

Speak to the team at WISEONE and they can help you understand what may be available to you.

Rates and mortgage availability can change, and eligibility criteria apply.

27/10/2026

Adverse credit can affect your remortgage options, but every lender has its own criteria and will look at your circumstances as a whole. If you’re thinking about remortgaging, speak to an adviser before making an application.

Don’t let uncertainty spook you 👻

📩 Send us a message and our team can talk you through your next steps.
📞 0161 776 2508
🌐 www.wiseoneuk.com

23/10/2026

Meet Dan , our new trainee mortgage adviser at WISEONE!

At just 19, Dan is at the start of his journey in the mortgage industry and is already enjoying learning the ropes. Despite only being with us for a couple of weeks, he’s settled in brilliantly and has been getting to know the team, learning about the role and discovering how mortgage advisers and sales executives work together to help clients achieve their dream of owning their first home.

A special shout-out to Damien, who Dan will be working alongside in Cumbria, helping him develop his knowledge and experience along the way.

But there’s more to Dan than mortgages! Outside of work, he’s a big football fan who enjoys both playing and watching the beautiful game. He spent the last five years playing at a professional football club academy and even made his professional debut - now that’s something to be proud of!

We’re delighted to have Dan on board and look forward to seeing him grow with the WISEONE team.

Welcome to the team, Dan! 💙

20/10/2026

In the final part of our series, Clair explains that your options can depend on the type and age of the credit issue.

A specialist lender may consider an application where a high street lender can’t, although criteria, rates and deposit requirements can vary.

At WISEONE, we can look at your circumstances and explore which lenders may be suitable.

💌 Get in touch to talk it through.
📞 0161 776 2508
🌐 www.wiseoneuk.com

16/10/2026

If a mainstream lender can’t help, it may still be worth speaking to a broker.
Some specialist lenders may consider more complex credit histories, including unsatisfied CCJs or past bankruptcy, depending on your circumstances and their criteria.

Every case is different, so don’t assume it’s a no.

📩 Get in touch to speak to one of our advisers.
📞 0161 776 2508
🌐 www.wiseoneuk.com

13/10/2026

Not all heroes wear capes - some know their way around a mortgage application 😏

Meet Damien Byrne, our New Build Director and Mortgage Advisor at WISEONE Cumbria 👋

With 20 years’ experience in financial services, including 11 years with WISEONE, Damien has built up a wealth of knowledge when it comes to mortgages - particularly when it comes to New Build.

His speciality:

Helping people understand their mortgage options and making the process of buying a new home as straightforward as possible.

Damien works closely with clients to help turn the idea of buying a new build into a realistic plan, guiding them through the mortgage process from start to finish.

A few facts about Damien:

• Years in financial services: 20
• Years at WISEONE: 11
• Speciality: New Builds
• Based in: Cumbria
• Favourite part of the job: Helping people buy their new home
• Outside of work: Mountain biking, travelling and spending time with his family

And when he’s not helping clients with their mortgages, you’ll usually find Damien out on his mountain bike - preferably somewhere with plenty of hills and a bit of mud.

If you’re looking to buy a new build in Cumbria and need some advice on your mortgage options, Damien is here to help.

📩 Get in touch today
📞 0161 776 2508
🌐 www.wiseoneuk.com

09/10/2026

What do lenders look at when you have adverse credit? 🤔

Not all adverse credit is treated the same. Lenders may consider whether it’s been settled, if it’s still ongoing and what was happening at the time.

Your credit history is just one part of the picture, and different lenders have different criteria. If you’re worried about how it could affect your mortgage options, speak to the Wiseone team before assuming it’s a no.

📩 Send us a message and we’ll be happy to talk it through.
📞 0161 776 2508
🌐 www.wiseoneuk.com

06/10/2026

What is adverse credit? 🤔

A missed payment can be one example of adverse credit, but everyone’s circumstances are different. In Part 1, we explain what it can mean and why it’s helpful to understand what’s on your credit file.

Had missed payments and wondering how they could affect a mortgage application? It doesn’t automatically mean it’s a no. Speak to the Wiseone team and we can help you understand your options.

📩 Send us a message to start the conversation.
📞 0161 776 2508
🌐 www.wiseoneuk.com

02/10/2026

ADVERSE CREDIT? DON’T ASSUME IT’S A NO 🏡

A missed payment, default or CCJ can leave you feeling as though your mortgage plans are over but that may not be the case.

Different lenders have different criteria and may consider:

✔️ What happened
✔️ When it happened
✔️ Whether it has been resolved
✔️ Your income and outgoings
✔️ The deposit you have available

Over the next few weeks, we’ll be sharing a series of educational videos to help explain adverse credit and what it could mean for your mortgage options. Follow along for more.

Whether you’re buying your first home, moving or remortgaging, start with an honest conversation.

Speak to WISEONE and let us look at your individual circumstances.

📩 Get in touch to speak to one of our advisers.

📞 0161 776 2508
🌐 www.wiseoneuk.com

Address

Bollin Court, 47 Mill Lane, Lymm
Warrington
WA139SX

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441617762508

Website

https://www.wiseoneuk.com/

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