Happy St George's Day! Queuing, apologising to lampposts, talking about the weather, and owning your own home. Quintessentially British. Here to help you make that last one happen.
Get in touch: linktr.ee/patrick.weig...
It is Earth Day. Your home's EPC rating could unlock a green mortgage with better rates or cashback. Over half of UK homes are rated D or below, but that can be improved. Curious? Drop me a message. #GreenMortgage #EPC #EarthDay
MYTH: You can't get a mortgage if you're self-employed.
BUSTED. Lenders use SA302s and 2-3 years of accounts. A whole of market broker finds the right lender for your situation.
Self-employed doesn't mean stuck.
How much deposit do you need to buy a home?
5% = £10k (95% LTV)
10% = £20k (90% LTV)
20% = £40k (80% LTV)
More deposit = better rates. Simple.
5% deals are still available. Let's chat.
linktr.ee/patrick.weig...
Is now a good time to buy a house? Honest answer: it depends on you. Base rate at 3.75%, modest price growth forecast. Your situation matters more than the market. Let's chat. linktr.ee/patrick.weig...
(Think carefully before securing debt against your home...)
Most people don't know their mortgage advisor can also arrange surveys and solicitors. I can. Think of me as the Gandalf of homebuying. I help with the whole journey, not just the gate.
Happy Friday! Quick one.
If you have been through the mortgage process, what is the one thing you wish someone had explained to you before you started?
Drop it below. No wrong answers, no silly questions. I read every single reply.
It is Stress Awareness Month and money is one of the UK's biggest stress triggers.
If you have a mortgage and you could not work tomorrow due to illness, how long could you keep up the payments?
Protection cover exists so that question has a reassuring answer rather than a worrying one.
The bank said no. That is not a final answer.
It just means you did not fit their criteria. A whole of market broker knows which lenders look at things differently, and matches you to the right one before anything is submitted.
(Think carefully before securing debt against your home.).
Your bank offers you their deals. A mortgage broker searches the whole market.
First-time buyer, home mover or thinking about remortgaging? Let us have a chat.
Think carefully before securing debt against your home.
If your deal ends this year…
👉 This is your window.
You can often act 6 months early.
More time = more options.
💬 Message “REVIEW”
⚠️ Your home may be repossessed if you don’t keep up repayments.
Quick tip 👇
3 things to check on your mortgage:
✔ Rate
✔ End date
✔ Early repayment charges
Do you know all 3?
⚠️ Your home may be repossessed if you don’t keep up repayments.
The call no one expects…
And suddenly everything changes.
Work stops.
Bills don’t.
👉 This is when protection matters most.
⚠️ Your home may be repossessed if you don’t keep up repayments.
Protection doesn’t have to be “pay and forget”.
Some plans now offer:
✔ Rewards
✔ Cashback
✔ Lifestyle perks
👉 Not just “what if”… also “right now”
⚠️ Your home may be repossessed if you don’t keep up repayments.
Waiting feels safe…
But it can cost you 👀
Rates move
Deals disappear
Options shrink
👉 Planning wins.
#Remortgage #MortgageTips #UKFinance #PropertyMarket #MoneyMindset
⚠️ Your home may be repossessed if you don’t keep up repayments.
What does income protection actually pay?
👉 Up to ~70% of your income
Not to make you rich…
just to keep things stable.
Would that be enough for you?
⚠️ Your home may be repossessed if you don’t keep up repayments.
Over half of UK adults have zero financial protection. Statutory sick pay is just £118.75 a week, for 28 weeks max. Then it stops.
Full deep dive on the UK protection gap now on YouTube.
Watch: youtu.be/oEcUqzq20ek
Think carefully before securing debt against your home...
Bills up £300… what goes first? 👇
Netflix
Holidays
Savings
Protection
No judgement—just curious.
What’s your answer?
⚠️ Your home may be repossessed if you don’t keep up repayments.
☕ Weekly Mortgage Roundup (East Midlands)
Sub-4% remortgage deals?
Pretty much gone.
Rates are edging up and people are acting earlier.
👉 Biggest takeaway:
Don’t leave it too late.
⚠️ Your home may be repossessed if you don’t keep up repayments.
We insure our phone, car… even the dog 🐶
But not always our income 👀
Make it make sense…
👉 If your income stopped tomorrow, what would happen?
⚠️ Your home may be repossessed if you don’t keep up repayments.
Your mortgage doesn’t end when your deal ends…
That’s often when you move onto a higher SVR 👀
Most people don’t realise you can act 6 months early.
👉 Do you know when your deal ends?
⚠️ Your home may be repossessed if you don’t keep up repayments.
“I’ve got sick pay, I’ll be fine…”
Reality check:
• SSP ≈ £100/week
• Employer sick pay is limited
• Self-employed = often nothing
Bills don’t stop.
👉 Would your income last if you couldn’t work?
⚠️ Your home may be repossessed if you don’t keep up repayments.
New month, new financial check-in.
Most people review their gym membership more than their mortgage… 👀
With so many deals ending soon, now’s the time to check where you stand.
👉 When did you last review yours?
⚠️ Your home may be repossessed if you don’t keep up repayments.
End of month reset:
Do you know when your mortgage deal ends?
Have you reviewed your options?
If not — now’s a good time.
A quick check today could save you stress later.
Protection isn’t about expecting the worst.
It’s about being ready if life throws something unexpected your way.
That breathing space can make all the difference.
(Think carefully before securing debt against your home...)
We spend money on things we can replace…
But often ignore protecting the things we can’t.
Strange when you think about it.
When did you last review yours?
Coming off a 1–2% mortgage soon?
You could be jumping to 4–5%+
That’s not a small change…
Start planning early — it makes a big difference.
(Think carefully before securing debt against your home…)
Most people insure their car… not their income.
If you couldn’t work for 3 months — would your mortgage still get paid?
No judgement, just awareness.
Worth thinking about 👇
(Think carefully before securing debt against your home…)
Govt has told lenders to step up support as rates rise.
Some borrowers could face £4,600+ increases 😬
If your deal ends soon… don’t wait for the letter.
Watch 👇
youtube.com/shorts/u7joC...
New builds are changing FAST 👇
Solar panels, no gas boilers, heat pumps & lower bills (£830/yr 👀)
But… higher prices and new rules too.
If you’re buying soon, watch this first:
youtu.be/uld8UXoeDs4
(Think carefully before securing debt against your home.)