Sarah Byrne Just Mortgages

07/08/2025

07/08/2025

📉 Base Rate Drops to 2-Year Low – What Does It Mean for Your Mortgage?

The Bank of England has just lowered the Base Rate to its lowest point in over two years — and if you're on a tracker mortgage, this is great news! You’ll likely see an immediate drop in your monthly repayments, as tracker rates move in line with the Base Rate.

✅ On a fixed-rate mortgage? This change won’t affect your payments.
✅ Thinking of fixing your mortgage soon? The Base Rate doesn’t directly impact fixed rates — but there’s still good news.

Fixed mortgage rates are influenced by swap rates, and both short- and long-term swap rates have been falling. This means lenders may continue to offer more competitive fixed-rate deals in the near future.

With the cost of living still rising, any reduction in mortgage rates is a welcome relief. If you’re unsure whether now is the right time to fix, review your deal, or switch — always contact a broker and they will share the rates so you can see exactly what is available.

Call now to connect with business.

31/03/2025

Ever wondered about the term 'estate'? 🏡 here's a list of things included in your 'estate' that might surprise you!

Get in touch today to discuss your estate 💬



Wills promoted here are not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business. These products are not regulated by the Financial Conduct Authority.

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 06/01/2025

28/03/2025

Saving up for a house? Check out these helpful tips 🏠

Get in touch today for some more tips on how to turn those pennies into pounds! 💬



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 12/12/2024

26/03/2025

Secure your family's future with a will - its peace of mind knowing they're taken care of. 📜✨

Get in touch today to discuss your estate 💬



Wills promoted here are not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business. These products are not regulated by the Financial Conduct Authority.

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 12/12/2024

24/03/2025

Whether you're a first-time buyer or you're at a point where your dream home is within reach, understanding the range of options available to you is a crucial next step in your journey towards finding the perfect place to call home.

Don't navigate the home buying journey alone! I'm here to guide you through your options and answer any questions you may have. Get in touch today! 💬



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 12/12/2024

21/03/2025

Planning for your dream home? Don't forget to protect it!

Critical illness cover is your safety net in times of serious illness. Protect your financial security so you can focus on recovery. 🤒

Contact me today to discuss your options📞



Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 06/01/2025

19/03/2025

Feeling overwhelmed by the idea of affording your first home? It can be tough and stressful but don't let those initial worries stop you! 🏡 😨

Make sure to understand your options and what's available to you!

Don't navigate this journey alone! Contact me today and take the first step towards your dream home.📞



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 12/12/2024

18/03/2025

Don't wait for life's surprises to hit you unprepared 😨

Ensure that you and your loved ones are financially safeguarded in case the unexpected occurs. 👶

Get in touch today and we can discuss the options that are right for you! 📞



Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 06/01/2025

14/03/2025

Thinking about home improvements? 🏡💡

Remortgaging could be an option to fund your dream upgrades! 🔨 ✨

Ready to explore your options? Get in touch today! 📞



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 12/12/2024

12/03/2025

Is your current mortgage rate feeling like a weight on your shoulders? 🤷♀️

Interest rates have been on the move lately, and there could be a chance to save thousands by switching your mortgage.

Ready to explore your options? Get in touch today! 📞



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 29/11/2024

10/03/2025

Thinking about buying a home? Don't limit yourself to just one bank's options!

As a mortgage adviser, I have access to a panel of lenders, giving you access to a wider range of mortgage products and potentially better rates. This means I can find the perfect fit for your unique situation, whether you're a first-time buyer, looking to remortgage, or anything in between.

Contact me today! 📞



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 29/11/2024