Wiltshire Mortgages

29/10/2026

Yesterday's Budget included a few announcements that could affect your property plans, from buying your first home to managing a rental property. Let's take a look at what's been announced and what we know so far. 🏡

Saving for your first home?

The government has confirmed £4.7bn in funding for its new Your First Home equity-loan scheme, which aims to help around 70,000 households in England onto the property ladder. It's expected to launch next year, but further details, including eligibility criteria, still need to be confirmed. We'll be keeping an eye on how things develop.

Keeping an eye on household bills?

The government has announced plans to abolish gas standing charges and reform electricity standing charges. These changes aren't immediate, and we'll need more information to understand what difference they could make to household costs.

Have a rental property?

Changes to the taxation of property income could affect landlords differently depending on their circumstances. It's worth understanding what's been announced and how the changes may apply to your own situation.

There's plenty to take in, and the headlines don't always tell the whole story. It's worth waiting for the finer details before making any decisions based on the announcements.

If you're planning to buy your first home, move house or review your mortgage, we're happy to talk through your options and help you understand what may be suitable for your circumstances.

Get in touch with Wiltshire Mortgages for a free, no-obligation initial consultation.



𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘳𝘦𝘧𝘭𝘦𝘤𝘵𝘴 𝘉𝘶𝘥𝘨𝘦𝘵 𝘢𝘯𝘯𝘰𝘶𝘯𝘤𝘦𝘮𝘦𝘯𝘵𝘴 𝘢𝘴 𝘢𝘵 28 𝘖𝘤𝘵𝘰𝘣𝘦𝘳 2026. 𝘍𝘶𝘳𝘵𝘩𝘦𝘳 𝘥𝘦𝘵𝘢𝘪𝘭𝘴 𝘢𝘯𝘥 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘮𝘢𝘺 𝘢𝘱𝘱𝘭𝘺. 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘴𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘰𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘈𝘯𝘺 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘱𝘱𝘭𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥𝘦𝘳 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘢𝘯𝘥 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.

01/10/2026

Buying a home can feel overwhelming sometimes. Particularly if it's your first time buying.

There’s thinking about the deposit, the house hunting, trying to work out what you can actually afford, and then all the questions that come with it.

I know some people worry that they need to have everything worked out before they speak to a mortgage adviser, but you really don’t.

You can have a plan, a few questions, or simply no idea where to start. That’s completely fine.

Sometimes, having a chat is the best place to start. We can talk through where you are, what you’re hoping to do and what your options might look like.

So, if buying a home is on your mind, even if you’re not quite ready yet, feel free to get in touch. I’m always happy to have a chat.

29/09/2026

Is your mortgage deal coming to an end in the next six months?

It can be easy to put it to the back of your mind, especially when there’s still plenty of time left on your current deal.

But starting to look at your options early can give you more time to understand what may be available and consider what could be suitable for your circumstances.

The mortgage market can change, as can lender criteria, so it’s worth looking at your own circumstances rather than trying to predict what rates might do next.

If your current deal is coming to an end, I’m happy to have a chat and talk through your options with you. There’s no obligation to proceed.

📞 01373 228480
🌐 wiltshiremortgages.co.uk

07/09/2026

If you’re thinking about buying a home, one of the first things you’ll probably wonder is, “How much can I actually afford?”

And I completely understand why. You don’t want to fall in love with a house, start planning where the sofa is going, and then find out the numbers don’t quite work!

The good news is, you don’t have to work it all out on your own.

It can feel like a lot to get your head around, especially if this is your first time buying a home. My job is to take some of that worry away, talk you through the numbers and help you understand what could realistically work for you.

So, if you’re at the very beginning and wondering where on earth to start, I hope this video helps make things feel a little less daunting. 💚

And if you have questions, please just ask. Honestly, there’s no such thing as a silly question.

📞 01373 228480
📧 [email protected]
🌐 https://wiltshiremortgages.co.uk

I’d be very happy to have a chat and help you get your head around it.

01/09/2026

Receiving feedback like this means so much to me.💙

My goal is always to make the mortgage process as straightforward and stress-free as possible, giving my clients confidence every step of the way. Thank you for the recommendation and for allowing me to be part of your homeownership journey.

26/08/2026

“I was told I couldn’t afford a mortgage…”

That was the position my client found herself in after speaking to other brokers.

As a single parent working part time and receiving Universal Credit, including the housing element, affordability wasn’t straightforward.

I helped her explore whether shared ownership could be an option, looking at her wider circumstances and researching lenders whose criteria may allow the housing element of Universal Credit to be considered.

The result? She was able to explore an application for a 25% shared ownership purchase.

There’s no guarantee a mortgage will be available, but this case is a great example of why understanding individual circumstances and lender criteria matters.

Read the full case study: https://www.hhhmortgages.com/news-post/shared-ownership-mortgage-universal-credit

Find out how Ricia Gibb helped a single parent secure a 25% shared ownership home by using the housing element of Universal Credit for affordability.

11/08/2026

A little reminder if you’ve been meaning to send someone my way 👋

Our Refer a Friend campaign is still running, but there’s not long left to enter.

If you have a friend, family member or colleague who is thinking about buying, moving home or remortgaging, you can refer them to me at Wiltshire Mortgages. As a thank you, you could be entered into our £500 prize draw when their mortgage completes and the relevant eligibility criteria are met.

Referrals are valid until 1 October 2026.

You can grab your shareable referral link and see the full T&Cs here:

https://www.hhhmortgages.com/referafriend-wiltshiremortgages

T&Cs apply. UK only. Eligibility criteria apply.

28/07/2026

Think you can't afford to buy a home? You might have more options than you realise. 🏡

Shared Ownership has helped thousands of people get onto the property ladder sooner, but understanding how the mortgage works is just as important as understanding the scheme itself.

Shared Ownership isn't the right choice for everyone, but it can open doors that many buyers didn't realise were available.

As a mortgage adviser, I'll explain how Shared Ownership mortgages work, what lenders look for, and whether this route could be suitable for your circumstances. I'll answer your questions in plain English, so you can make an informed decision with confidence.

If you're thinking about buying a Shared Ownership property, I'd love to help you explore your mortgage options.

20/07/2026

There's nothing more rewarding than helping clients at every stage of their homeownership journey. 💙

Thank you so much to this client for trusting me with both your first mortgage and your recent remortgage. I'm so pleased I could help make the process clear and straightforward.

15/07/2026

Buying your first home is such an exciting milestone, and it is completely understandable to want to jump straight into looking at properties.

But taking a little time to understand your budget first can make the whole journey feel much calmer and a lot less overwhelming.

Knowing what you may be able to borrow, getting an Agreement in Principle, and planning for costs beyond your deposit can all help you search with confidence and avoid any unexpected surprises along the way.

If you're just starting out and you're not quite sure where to begin, I hope this video helps make things feel a little clearer.