Stephanie Seddon Right Choice Mortgages

09/06/2026

Going direct to a lender can feel straightforward. One website, one application, one set of rates to look at.

But that's also the problem. You're only seeing what that one lender is willing to offer you, with no way of knowing whether a better deal exists elsewhere.

Here at Right Choice Mortgages, we search across the market to find options that suit your circumstances, not just what one lender has available today. We handle the paperwork, chase the application, and keep you updated throughout.

With over 430 five-star reviews, we know how much difference the right mortgage can make.
Your home may be repossessed if you do not keep up with the repayments on your mortgage.

📱 Ready to get it sorted? Call Right Choice Mortgages on 01709 300222

08/06/2026

Ok, so the debate in the office is FIERCE!! The Yorkshire contingent are very divided on this important issue. Please can we just settle the debate once and for all that a teacake is either filled with fruit and toasted with butter, or is a biscuit with chocolate and marshmallow!

It’s a Bap / Barm by the way!

We’re settling the Great British Bread debate here in the office today!

Settle it for us in the comments! 👇🥖🍞

Joe - Breadcake
Alana - Teacake
Steph - Barm / Bap

04/06/2026

The best time to sort your life insurance, critical illness cover or income protection was in the past.
The second-best time is now ❗️

It might sound obvious, but protection is generally more affordable the younger you are when you take it out. That's just how it works.

If you've been putting it off, today is still a better day to sort it than tomorrow. Here at Right Choice Mortgages, we can talk you through your options clearly and find cover that suits your situation and your budget.

As with all insurance policies, conditions and exclusions will apply.

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

Got questions? Drop us a DM today.

02/06/2026

Almost one in six people in the UK are oversaving for their house deposit without realising it 🏡

The minimum deposit for most mortgages is 5%. On a £300,000 property, that's £15,000. Yet research shows 15% of people believed they'd need £54,000 or more!

That's potentially years of extra saving for a target that doesn't exist.

The confusion is understandable. There's a lot of outdated information out there about how much you actually need, which schemes are still running, and what lenders are really looking for.

A quick conversation with Right Choice Mortgages gives you the real number for your situation, not a guess based on what you've read online. With over 430 five-star reviews, we're used to helping buyers realise they're closer than they think.

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

Source: https://theintermediary.co.uk/2026/03/15-of-brits-oversaving-for-house-deposits-due-to-confusion-research-reveals/

📞 Give Right Choice Mortgages a call now on 01709 300222

01/06/2026

Most people don't think about life insurance until something makes them think about it.

A conversation at a funeral. A colleague's diagnosis. A headline that hits closer to home than expected. And then the thought: "I should probably sort that."

The problem is, the moment usually passes. Life picks back up. It goes on the list, somewhere between booking the boiler service and calling the dentist.

If you have a mortgage and people who depend on your income, a suitable protection policy means the mortgage doesn't become their problem if the worst happened. It's not a complicated conversation; it just needs to happen.

At Right Choice Mortgages we can walk you through your options clearly, without the jargon. It won't take as long as you think.

As with all insurance policies, conditions and exclusions will apply.

28/05/2026

Well this is a first…treats for Wilbur to go along with a gorgeous thank you gift from my very lovely clients!
The cream tea (and Prosecco) will go down very nicely, and Wilbur is feeling very spoiled! Thank you so much guys, it’s been a pleasure to help you again! 🏡

27/05/2026

A significant number were taken out in 2020 and 2021, when five-year fixed rates averaged around 2.6%.

The average SVR those households would roll onto if they did nothing currently sits at around 7.13%

For many people this year's renewal isn't routine admin. It's the first time in five years they'll feel what the rate environment actually costs, and the gap between acting early and leaving it too late is measurable in hundreds of pounds a month.

At Right Choice Mortgages, we work with clients across Yorkshire, Cheshire, Manchester and beyond to make sure they're reviewing options at the right time, not reacting after the fact ❗️

📱 Ready to get it sorted? Call Right Choice Mortgages on 01709 300222

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

Source:
https://www.ukfinance.org.uk/news-and-insight/press-release/modest-growth-forecast-mortgage-lending-in-2026

22/05/2026

Over the moon to receive this review! I absolutely loved helping these clients buy their dream home (and mine!). We had a few challenges along the way and I’m so pleased we got there!

It’s lovely to feel appreciated, so we’re starting off a sunny bank holiday on a high! 😎☀️

Thanks guys - have a fab weekend!

21/05/2026

When it comes to remortgaging, guessing when to act is one of the most expensive mistakes you can make.

Roll onto your lender's standard variable rate without reviewing your options and you could be paying significantly more than you need to every single month.

The answer isn't complicated. You can secure a new deal up to six months before your current one ends. That means no gap, no nasty surprise, and if a better rate comes along before you switch, we look to move you onto it 🤝

Here at Right Choice Mortgages, we keep track of the market, so you don't have to. With over 430 five-star reviews, our clients know we're on it ⭐️⭐️⭐️⭐️⭐️

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

📞 Call Right Choice Mortgages on 01709 300 222

19/05/2026

That's not a typo. Lenders are pulling and repricing products faster than at almost any point in recent memory, with swap rates shifting week to week.
If your fixed deal ends in the next six months, waiting to see if rates improve is a gamble that could cost you. Locking in a rate now doesn't mean you're stuck. If something better comes along before you complete, we look to move you onto it.
Got questions? Drop us a DM today.
Your home may be repossessed if you do not keep up with the repayments on your mortgage.

You may have an early repayment charge to your existing lender if you remortgage.

Source: Moneyfacts