Your Mortgage & Your Property 

Buying your first home

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Moving home

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Remortgaging your home

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Buy To Let Mortgages

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Specialist Lending

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Protecting Yourself, Your Loved Ones & Your Property 

Protecting yourself and your loved ones

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Protecting your property

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Base Rate Reduced to 4.5% – What It Means For Your Mortgage

Fantastic news for home buyers and home owners today! The Bank of England’s (BoE) Monetary Policy Committee (MPC) has reduced the base rate by 0.25%, bringing it down to 4.5%. The decision marks […]

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Case Study: How I Helped a Blended Family of 8 Achieve Financial Security and Peace of Mind

Simon and Caroline contacted me for assistance with a remortgage and a Transfer of Title, moving the property from solely Simon’s name to joint names. Alongside this, they needed to review the financial […]

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Case Study: Securing a Home and Financial Security for a Single Mother with Unique Health Challenges 

In the complex world of mortgages and financial protection, customers with unique circumstances often find it difficult to secure what they need. Read on to find how I successfully secured both mortgage funding […]

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Case Study: Buying a Home in UK as New Residents in the Country – A Family’s Journey to Securing their First Home 

Existing customers pointed a husband and wife in my direction.  They had secured professional roles in the UK in 2021 and took the leap of faith to relocate here from a foreign country […]

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Remortgage

Case Study: Holly & Jason – Reducing Mortgage Payments with Expert Advice

Holly and Jason were referred to me by an existing customer as their existing 2 Year Fixed Rate mortgage with Halifax was about to expire. They were worried about an impending increase in […]

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Another Base Rate Reduction! What It Means for UK Homebuyers

Fantastic news today!  The Bank of England have reduced the base rate from 5% to 4.75%. This is promising news for anyone with a mortgage or those considering buying a home in the near future. […]

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Navigating Conditional Selling: How to Avoid Pressure from Estate Agents

Purchasing a property, whether you’re a First Time Buyer or a home mover, is an exciting experience – but it can also come with its challenges. One frustration many buyers face is feeling […]

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Understanding the current market & what the future may hold for your mortgage

The UK mortgage market is moving in a positive direction. In August, we saw the first decrease in the Bank of England Base Rate for over four years […]

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Understanding the Surge in Home Insurance Costs

In recent months, many homeowners have been startled by significant increases in their home insurance premiums, with reports indicating hikes far above the general inflation rate. What exactly is driving these steep rises, and what can you do about it?. […]

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Bank of England

UK Interest Rates Cut for the First Time in Four Years 

Fantastic news today – The Bank of England has cut the base rate for the first time in over four years. The rate was at a 16 year high of 5.25% but has been cut by 0.25% to 5%. […]

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What Are Labour’s Plans for Mortgages, Housing, and First Time Buyers?

The Labour Party has swept to power in a landslide general election victory, meaning they can now start working towards putting some of their manifesto pledges into action. Here’s a breakdown of Labour’s plans for mortgages, housing, and First Time Buyers […]

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Case Study: Gifted Equity – How You Could Buy a Home Below Market Value

In this case study, I outline how having access to the whole of the market and the ear of decision makers allowed me to help first-time buyers navigate the complexities of buying a home with gifted equity […]

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UK General Election

GENERAL ELECTION 2024: Your Guide to Party Policies on Housing, Mortgages and Energy Efficiency

This blog takes a look at the housing policies from the Conservative Party, Labour Party, Liberal Democrats, Green Party, Reform UK, Scottish National Party (SNP), and Plaid Cymru. […]

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Interest Rates Held: A Clearer Perspective

In May 2024, the inflation rate in the UK fell to 2%, the lowest it has been since 2021, and down from 2.3% the previous month.  This reduction in inflation has been influenced by decreased growth in energy and food prices… […]

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Case Study: Safeguarding Your Own & Your Family’s Future

Life’s unpredictability can sometimes feel overwhelming, especially when big changes like buying your first home or starting a family are on the horizon. In this case study, I’ll share how I helped a young couple navigate […]

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Case study file with image of Buy To Let property

Case Study: Achieving Property Goals with a Let To Buy Mortgage – From Inheritance to Investment

This case study explores the journey of a customer who faced the challenge of wanting to purchase a new home while struggling to sell their inherited property. […]

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Analysing the Bank of England’s Interest Rate Decision

The Bank of England’s Monetary Policy Committee (MPC) held their latest meeting on May 9 to discuss interest rates. Inflation concerns have not gone away and, leading up to the meeting […]

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An 8-Step Guide to the Homebuying Process in the UK

Whether you’re buying your first home or up-sizing, each purchase is a milestone event. As an experienced Mortgage & Protection Adviser, I’m here to guide you through the homebuying process […]

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Case Study: 100% Mortgage Makes Homebuying Dreams a Reality

Have you ever felt trapped in the rental cycle, dreaming of your first home but unsure how to make it a reality? Skipton Building Society’s announcement of their ‘Track Record Mortgage’ product in May 2023 […]

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Bank of England

Making the right decisions about your mortgage in a changing market

The Bank of England recently announced that it would keep interest rates steady for the fifth meeting in a row. This decision was expected, but what caught attention was the hint that rates could be cut in the future […]

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Case Study: Securing the most cost-effective mortgage in an ever-changing market

My customers are cash-rich, time-poor busy professional parents who had relied on my services for many years. We picked up around six months in advance of the expiry of their current mortgage terms. […]

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How to make an offer: Top 5 tips for First Time Buyers

Buying your first home is a big step. It’s an exciting time but can feel daunting too, especially when it’s time to make an offer on a place you’ve fallen in love with. Have you ever thought the highest offer always wins? Think again […]

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Case Study: Using the wealth in your property to reduce your monthly bills

We’re all feeling the pinch of rising prices and many of our customers are understandably concerned about their future monthly mortgage payments, given the extensive media coverage around spiralling interest rates […]

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Case Study: When the bank says “no” – Overcoming mortgage affordability challenges

First Time Buyers commonly face two main mortgage affordability challenges: saving enough for a deposit while renting and securing an income level that allows them to borrow the necessary amount to purchase their first home […]

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Welcome to Prism: Expert Mortgage and Protection Advice, Designed for the Modern World

Hello and welcome! We’re Adam and Megan, the proud co-founders of Prism Mortgage & Protection Advice. We’re excited to introduce you to a brokerage that’s all about embracing the future, while staying true […]

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