In this episode, we cover:

• What a mortgage is and how it works

• The difference between secured and unsecured lending

• Who actually lends the money (banks, building societies, etc.)

• How banks fund mortgages and where the money comes from

• How interest rates are set and how banks price lending

• Common myths about mortgage terms and repayment periods

• Capital repayment vs. interest-only mortgages

• The importance of keeping up with mortgage payments

• How to apply for a mortgage and understand what you can afford

• Myths around income multiples and affordability

• Final advice on getting the right mortgage and seeking professional help

  
  

  🎙 New episodes every Friday

  📆 Bonus mortgage updates every Monday

  
  

  If you find the show useful, don’t forget to like, follow and share - we’ll see you in your feed!

  
  

  Need help with your mortgage?

  👉 ⁠⁠⁠⁠Get started here⁠⁠⁠⁠

  📊 ⁠⁠⁠⁠Try our Stamp Duty Calculator⁠⁠⁠⁠

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  🎧 This podcast is proudly built by ⁠⁠⁠⁠I.A.M Podcasts⁠⁠⁠⁠

  
  

  #MortgagesMadeEasy #PrestigePrivateFinance #Mortgages #PropertyFinance

  
  

  
  

  
  

Rising Payments. Rising Sales. Rising Urgency.
The property market is heating up - and fast.

£510 Monthly Shock Incoming
500,000 homeowners with 2020 five-year fixes are about to see their deals expire.
Many face £500+ monthly increases.
Remind clients: early remortgaging could save serious money and stress.

Strongest Week Since 2022
28,900 homes went under offer last week - the busiest sales week in two years.
Sales are up 9% year-on-year.
Hesitation is costing people their dream home.

Borrowing Boost: £40,000 More for Some Buyers
Clydesdale and Virgin Money have eased stress testing.
A couple earning £85,000 may now borrow up to £40,000 more.
Higher earners could see even more headroom.

Rates Are Climbing Again
Barclays, Santander, and HSBC raised rates last week.
Swap rates are rising. Inflation is still sticky.
Waiting for better deals? That moment may have passed.

Key Takeaways
• Early remortgaging = big savings
• Buyers should act fast - the market is moving
• Lending criteria just opened new doors

#mortgagesmadeeasypodcast #prestigeprivatefinance

What makes a truly great mortgage broker?

In this episode, we sit down with Anne-Marie Blackler and Christopher Nichols from Prestige Private Finance to explore their journeys from estate agency to brokerage.

They share what it really takes to deliver standout advice - from building trust and understanding client needs to having a genuine passion for property.

It’s not just about rates - it’s about relationships, real insight, and doing what’s right.

🎙 New episodes every Friday

📆 Bonus mortgage updates every Monday

If you find the show useful, don’t forget to like, follow and share - we’ll see you in your feed!

Need help with your mortgage?

👉 ⁠⁠⁠Get started here⁠⁠⁠

📊 ⁠⁠⁠Try our Stamp Duty Calculator⁠⁠⁠

📸 ⁠⁠⁠Follow us on Instagram⁠⁠⁠

💼 ⁠⁠⁠Connect with us on LinkedIn⁠⁠⁠

Chapters:

(00:00) Property Industry Insights and Experiences

(07:45) Client Relationships and Trust in Property

(14:58) Mortgage Broker Relationships

(26:55) Mortgage Rate Changes

(30:01) Understanding Mortgage Broker Relationships

(35:56) Mortgage Preparation

(40:19) Preparing for Mortgage Applications

(48:41) Buy to Let Mortgage Market Navigation

(54:04) Prestige Private Finance

🎧 This podcast is proudly built by ⁠⁠⁠I.A.M Podcasts⁠⁠⁠

#MortgagesMadeEasy #PrestigePrivateFinance #Mortgages #PropertyFinance

Halifax Pulls Top Deal
That 3.61% fixed rate? It’s gone.
With inflation coming in hotter than expected, Santander and others are following suit and repricing upwards.
⏳ Clients holding out for sub-4% deals? That window could be closing fast.

🏦 Barclays Bucks the Trend
While most lenders are hiking rates, Barclays is cutting some.
🎯 A rare and welcome move — savvy buyers should move quickly.

📈 Inflation Surprises, Rate Cuts Fade
Markets were pricing in several base rate cuts for 2025.
Now? We might only see one more.
📉 Swap rates are rising, and lenders are adjusting accordingly.

🏡 100% Mortgages Are Back
No deposit? No problem - on paper.
But these deals come with higher rates, tighter criteria, and serious risk of negative equity.
✅ Best suited for those with stable income, strong credit, and long-term plans.

📌 Key Takeaways
• Summer deals could be the best we get this year
• Act fast to secure competitive products
• 100% mortgages? Great for the right buyer - risky for others

#prestigeprivatefinance

In this episode of Mortgages Made Easy, we break down everything you need to know to financially prepare for buying your first home.

From improving your credit score and building your deposit to understanding hidden costs and getting a mortgage agreement in principle, this episode is packed with practical advice to set you up for success.

Whether you're just starting to save or ready to make an offer, tune in for expert tips that make the process smoother.

If you find the show useful, don’t forget to like, follow and share - we’ll see you in your feed!

🎙 New episodes every Friday

📆 Bonus mortgage updates every Monday

Before You Go! If you need help with your mortgage?

👉 ⁠⁠Get started here⁠⁠ - https://www.prestigepf.co.uk/

📊 ⁠⁠Try our Stamp Duty Calculator⁠⁠ - https://www.prestigepf.co.uk/stamp-duty-calculator

📸 ⁠⁠Follow us on Instagram⁠⁠ - https://www.instagram.com/prestigepf/

🎧 This podcast is proudly built by ⁠⁠I.A.M Podcasts⁠⁠

#MortgagesMadeEasy #PrestigePrivateFinance #Mortgages #PropertyFinance

“Mortgage rates cooling off, Americans eyeing UK homes, and the economy outpacing expectations - here’s your 60-second market update!”

🏦 Mortgage Rate Drops May Be Slowing

Swap rates have levelled out — which means those falling mortgage rates?

⏳ Might not last.

⚠️ If your clients are still waiting, now’s the time to consider locking in.

🇺🇸 US Buyer Boom

Rightmove reports a 19% jump in interest from US buyers — the highest since 2017!

📍 Nearly half are looking at smaller properties, hinting at investment or second-home demand.

And one-third are eyeing 3–4 bed family homes.

📈 Nationwide Ups Borrowing Power

They’ve cut stress test rates by up to 1.25%, meaning the average client can now borrow £28k more.

👶 Great news for first-time buyers, movers and remortgagers.

💥 UK Economy Surges Ahead

GDP grew 0.7% in Q1 — best in the G7.

Exports to the US and strong service sectors are driving momentum.

🎯 What This Means

✅ Borrowing power’s up

✅ Rates may bottom out

✅ Overseas demand’s rising

Now’s the time for your clients to make confident, informed moves.

#mortgagesmadeeasypodcast #prestigeprivatefinance

Thinking of buying your first home? Don’t fall into these common traps.

Mistake 1: Falling in love with a property before knowing what you can afford.
Too often, buyers view homes without having a clear budget or financial plan. Sometimes they can afford more than they think or much less. Get advice early and understand your finances before you start house-hunting.

Mistake 2: Forgetting the extra costs.
It's not just the deposit. You’ll need to factor in stamp duty, solicitor fees, mortgage broker fees, survey costs, and more. These can quickly add up and catch buyers off guard. Planning for these early can save you stress later.

Mistake 3: Leaving it too late to get advice.
Many wait until they’ve found a property before speaking to a broker - but by then, it might be too late. Early advice helps you check your credit, get pre-approved, and understand which properties are mortgageable.
Get advice early. Know your numbers & avoid disappointment by preparing properly!

If you find the show useful, don’t forget to like, follow and share - we’ll see you in your feed!

🎙 New episodes every Friday📆 Bonus mortgage updates every MondayBefore You Go! If you need help with your mortgage?👉 ⁠⁠Get started here⁠⁠ - https://www.prestigepf.co.uk/

📊 ⁠⁠Try our Stamp Duty Calculator⁠⁠ - https://www.prestigepf.co.uk/stamp-duty-calculator

📸 ⁠⁠Follow us on Instagram⁠⁠ - https://www.instagram.com/prestigepf/🎧 This podcast is proudly built by ⁠⁠I.A.M Podcasts⁠⁠#MortgagesMadeEasy #PrestigePrivateFinance #Mortgages #PropertyFinance

Mortgage Update - 12th May 2025

🏦 Base Rate Cut to 4.25%

📉 Halifax Leads Rate Reductions

📊 Market Showing Signs of Stability

🌍 Boost for the UK Economy

In this episode, David Jackson shares his journey from engineering graduate to leading mortgage broker.

David reflects on what door-to-door sales in Australia taught him about resilience, why he left the corporate world to build Prestige, and what he's most proud of after 10 years in business.

Packed with insight, humour, and practical advice for buyers, landlords, and aspiring brokers, this episode kicks off the series with a personal and powerful introduction to the world of mortgages.

🎙 New episodes every Friday

📆 Bonus mortgage updates every Monday

If you find the show useful, don’t forget to like, follow and share - we’ll see you in your feed!

Need help with your mortgage?

👉 ⁠⁠Get started here⁠⁠

📊 ⁠⁠Try our Stamp Duty Calculator⁠⁠

📸 ⁠⁠Follow us on Instagram⁠⁠

💼 ⁠⁠Connect with us on LinkedIn⁠⁠

Chapters:

(00:00) The Mortgage Journey

(08:03) Career Transitions and Growth

(19:20) Business Resilience and Client Advice

(22:19) Navigating Mortgage Renewals and Buy-to-Let Market

(31:58) Evolution of Mortgage Industry Trends

(37:07) Expanding Prestige Brand and Services

🎧 This podcast is proudly built by ⁠⁠I.A.M Podcasts⁠⁠

#MortgagesMadeEasy #PrestigePrivateFinance #Mortgages #PropertyFinance

Mortgage Updates - 6th May 2025