Inca Financial - Property Finance

Inca Financial - Property Finance 🏠| Specialists in Property Finance, Mortgages and Insurance
🤝| Supporting homeowners, business owners & investors
🌟| 5-Star rated by people just like YOU

Most people will see today’s Bank of England announcement and assume nothing has changed.On the surface, they’re right.T...
18/06/2026

Most people will see today’s Bank of England announcement and assume nothing has changed.

On the surface, they’re right.

The Base Rate remains at 3.75%.

But here’s the bit most homeowners miss:

Fixed mortgage rates don’t directly follow the Bank of England Base Rate.

They follow swap rates.

In simple terms, swap rates are the market’s view of where interest rates are heading next.

That’s why mortgage rates can sometimes fall when the Base Rate stays the same.

And why they can occasionally rise even when the Base Rate is cut.

It’s also why trying to “time the market” is so difficult.

Nobody knows exactly where rates will be in six months’ time.

Not the banks.
Not the economists.
Not the mortgage brokers.

The people who tend to get the best outcomes aren’t the ones trying to predict the future.

They’re the ones who understand their options and are ready to act when the right opportunity appears.

If you’re buying, remortgaging, or your fixed rate is ending soon, it’s worth understanding what today’s announcement actually means for you.

Because the headline rarely tells the full story.

No pressure.

Just a conversation.

This is exactly why Inca Financial exists.“Never gives up on their clients.”“Put your arse on the line.”“Never stopped b...
16/06/2026

This is exactly why Inca Financial exists.

“Never gives up on their clients.”
“Put your arse on the line.”
“Never stopped believing.”

That means more to us than any rate ever will.

Because this business was never built around just submitting applications.

It was built around showing up properly for people.

Whether the case is simple or complicated, we stay in it.

From the first conversation…
To the application…
To the solicitor delays…
To the stressful phone calls…
Right through to getting the keys.

A lot of brokers disappear once the paperwork goes in.

We don’t.

We chase.
We push.
We communicate properly.
And we fight for the outcome like it actually matters.

Because to our clients, it does.

If you want a mortgage broker who’ll tell you straight, fight your corner, and stay with you until the job’s done…

Get in touch.

03/06/2026

The cheapest mortgage can end up being the most expensive mistake.

People obsess over rate.

0.1% cheaper.
ÂŁ12 less a month.

Without realising what’s hidden underneath it.

Massive upfront fees.
Hidden costs.
Punishing exit charges.
No flexibility when life changes.
And lenders so slow they nearly cost people the house.

The comparison site doesn’t know your life.

It doesn’t know:
You’ve a cheeky missed payment on a credit card
You want to overpay monthly
Your income is more complex than a monthly PAYE payslip.
You want a quirky property

The list is ENDLESS….

That’s why mortgages shouldn’t be bought like trainers online.

Because the “cheapest” deal on paper might not be applicable to you.

The right mortgage is the one that provides you the money you need to make your plans happen and looks at the whole picture.

Sound familiar? We look at the whole picture, not just the rate. Visit our website to book a free, no-obligation call to discuss your mortgage options: https://www.incafinancial.co.uk/contact-us

31/05/2026

In 5 years, you’ll either own an asset…

Or you’ll have helped pay for someone else’s.

Which one are you choosing?

If you’re spending £1,200 a month on rent, that’s £72,000 over five years.

Gone.

Same ÂŁ1,200 on your own mortgage?

Different story.

You’re building equity.
Ownership.
Options for your future.

And here’s the bit most people get wrong…

The monthly payment often isn’t the problem.

The deposit is.

That’s why newer products aimed at first-time buyers are changing the conversation.

ÂŁ0 deposit options.
Low deposit mortgages.
Track Record mortgages based on rent payments.

They’re not right for everyone.

But for the right person?

They can completely change the timeline.

Most people think they need years before they can buy.

Sometimes they just need the right conversation earlier.

If you’re renting and wondering whether buying is actually possible…

Drop us a message.

No pressure.

Just clarity around where you really stand.

28/05/2026

You insured the house.
But the person that actually pays the mortgage?
That’s usually the part left unprotected.

It’s a more common problem than people think.

A lot of homeowners have buildings insurance in place…
But far fewer have anything protecting their income. Their health. Their family if the worst happens.

And yet, those are the things that actually keep the mortgage running.
Your home may be repossessed if you do not keep up with repayments on your mortgage.

Is this a pressure you want to face when the unexpected happens?

Protection isn’t just one thing.
It can cover things like being off work with an injury, needing time out for your mental health, or losing the main household income if something unexpected happens.

All designed around different “what if” scenarios.

Most people don’t ignore it on purpose, it just gets overlooked in the process or dismissed as “It won’t happen to me”.

If you’ve got a mortgage (or you’re getting one), it’s worth understanding what would actually happen if life didn’t go to plan.
And you’re part of the unfortunate percentage who does end up needing to use it.

At Inca Financial, we offer a wide range of protection services including life cover, critical illness cover and income protection tailored to your situation.
Your budget.
Your needs.

Comment “protection” and we will work out what plan is best for you.

________________________________________________

This post is for general information only and does not constitute financial advice.

13/05/2026

New era loading… 👀

Most people will see the latest Bank of England update and assume nothing’s changed.On the surface, they’d be right.The ...
12/05/2026

Most people will see the latest Bank of England update and assume nothing’s changed.

On the surface, they’d be right.

The base rate is still 3.75%, and it’s been held again.

But that doesn’t mean the mortgage market is standing still.

Here’s what’s really going on:

🏡 Fixed mortgage rates don’t follow the base rate directly.
⚖️ They track swap rates, which reflect where the market thinks interest rates are heading.

And right now?

Those expectations have been moving around a lot.

We’ve seen mortgage rates rise sharply earlier this year, with some lenders only just starting to ease pricing slightly in recent weeks.

So what does that mean for you?

It means the market isn’t moving in a straight line.

There isn’t a clear “perfect moment” coming.

And waiting for one can just as easily cost you as benefit you.

Whether you’re:
✨ Buying your first home
✨ Planning a move
✨ Or approaching the end of a fixed deal

The smartest move right now isn’t guessing the market.

It’s understanding your options.

A good mortgage adviser doesn’t just find a rate today.
They track the market and help you adapt if better opportunities appear.

If you want clear, jargon-free guidance on what’s possible for you right now, feel free to get in touch.

No pressure. Just a conversation.

22/04/2026

Self-employed or a sole trader?

If you’re applying for a mortgage, your SA302 is one of the most important documents you’ll need.

It’s an official HMRC summary of your income and most lenders won’t proceed without it.

In our recent blog, we’ve broken down:
✔ What an SA302 is
✔ Why lenders require it
✔ How to download it in minutes

🔗Link in bio.
📌 Save this for when you apply
📤 Share it with someone going through a mortgage application

For more mortgage advice, drop us a follow.

17/04/2026

“A £10 Klarna miss just killed your mortgage.”

That’s the kind of line doing the rounds right now.

And it’s designed to make people panic.

Here’s the reality.

It’s not the £10.

It’s the footprint.

A missed ‘Buy Now Pay Later’ payment.
An old account still showing a black mark
A bill from years ago that never quite cleared.

On their own, they’re small.

‘It will be ok’ I hear you say

But lenders look at behaviour.

Consistency.
Reliability.
Patterns over time.

That’s what drives decisions.

And this is where people get caught out.

“It’s only £10.”
“It was ages ago.”
“It won’t matter.”

Sometimes it doesn’t.

Sometimes it does.

Better to know before you apply.

Because once you understand your position…

You can plan it properly.
Place it correctly.
Avoid problems.

Have you actually checked what’s sitting on your file?

– Use Checkmyfile to unlock the most detailed credit report out there. Trusted by millions for nearly 25 years and rated ‘Excellent’ on Trustpilot. Monitor your score, make sense of the data, and learn the habits to keep your credit health in check for a stronger financial future. Try it FREE, then it’s a paid monthly subscription – cancel online anytime

🔗 Link in bio

08/04/2026

We’ve been busy behind the scenes… 👀

With our team growing and more clients coming through the door, we’ve introduced a new office number to keep things running smoothly and get you straight through to the right person.

📞 Save our new number: 01904 230 051

New digits. Same trusted and expert advice.

Want expert mortgage and protection help?
Call the Inca Financial team today.

Address

East Coast House, 25 Skeldergate
York
YO16DH

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+447464558082

Website

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