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Latest Articles

Can Renters Really Skip the Deposit? A Look at Skipton’s Track Record Mortgage

June 2, 2025

Getting on the property ladder has never been easy, but for many renters today, it feels almost impossible. You pay your rent on time every month often more than what a mortgage would cost but saving a deposit? That’s a whole other challenge. That’s where Skipton Building Society’s Track Record Mortgage comes in. It’s a product that’s made headlines and raised a few eyebrows but also offers a genuine lifeline to first-time buyers struggling with the deposit hurdle. Let’s break it down.

Sick Pay Gaps and Your Mortgage: Are You Covered If You Cannot Work?

May 19, 2025

For most people, their mortgage is their largest monthly financial commitment. However, few take the time to consider what might happen if they were suddenly unable to work due to illness or injury. With rising household costs and increasing NHS waiting times, now is an ideal time to ask a simple but important question: could you still pay your mortgage if your income stopped for a few weeks or months?

Housing Market Update: Average Asking Prices Reach Record High This Spring

May 12, 2025

The UK property market has made a confident start to spring, with the average asking price of a home reaching a new record high. This comes despite the end of the temporary stamp duty relief at the beginning of April, demonstrating that both buyers and sellers remain active and engaged. According to the latest figures from the April House Price Index, the average asking price for a UK property now stands at £377,182. This represents a monthly increase of 1.4 per cent and an annual rise of 1.3 per cent. Buyer demand has grown by 5 per cent compared to this time last year, while the number of new sellers entering the market has increased by 4 per cent year-on-year. Stock levels are now the highest for this time of year in over a decade.

The Bank of England Cuts Interest Rates to 4.25%

May 9, 2025

In a move widely anticipated by markets, the Bank of England has reduced the base interest rate from 4.50% to 4.25% today.

Mortgage Market Update: Borrowing Opportunities Improve as Lenders Cut Rates and Ease Rules

May 5, 2025

A shift is taking place across the mortgage market, bringing a wave of opportunity for both prospective buyers and existing homeowners. Leading lenders are responding to expectations of falling interest rates by reducing mortgage pricing and easing affordability criteria. This development could enhance borrowing potential for many households in the months ahead.

Labour Government Plans to End Leasehold for New Flats

April 28, 2025

The Labour Government has announced plans to ban the sale of new leasehold flats in England and Wales, replacing them with a commonhold ownership structure. If passed into law, this change would mean that future flat buyers will own their property outright, rather than leasing it for a set period and paying service charges and ground rent to a freeholder.

Is Your Five-Year Fixed Mortgage Ending? Here’s What You Need to Know

April 21, 2025

If your five-year fixed mortgage deal is coming to an end, you might be wondering what to do next. Many homeowners who locked in a low fixed rate several years ago are now facing a different mortgage market, where rates have changed.

Do You Need a LIFT Onto the Property Ladder?

April 16, 2025

The Scottish Government’s LIFT Open Market Shared Equity (OMSE) scheme is open for applications. Eligible buyers can get funding of up to 40% toward the price of a home in Scotland.

How First-Time Buyers Can Get a Mortgage – A Guide to Government Schemes and Support

April 14, 2025

Buying your first home is exciting, but it can also feel overwhelming—especially when saving for a deposit, understanding mortgage options, and navigating rising house prices. If you or someone you know is trying to get onto the property ladder, there are government schemes and mortgage options that can help make buying a home more achievable.

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Protect Mortgage Solutions

1 week ago

🟢 Get Remortgage Ready - Anticipate Mortgage Changes 🟢With fixed rate periods ending, anticipate change. Our advice helps you stay ahead and secure a mortgage that fits your future. 🏡 Get in touch today to book your review appointment 🤝 🌐 www.protectmortgagesolutions.co.uk📨 johnny@protectmortgagesolutions.co.uk📞 01224 872000Your home/property may be repossessed if you do not keep up repayments on your mortgage.There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £150 to £350 and this will be discussed and agreed with you at the earliest opportunity. ... See MoreSee Less

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3 weeks ago

🔷 Protecting Your Home and Health 🔷Your home is your sanctuary; Critical Illness cover safeguards your ability to enjoy it, even in tough times. Protect your home and health together 🏡 🌼 Contact us for more information.🌐 www.protectmortgagesolutions.co.uk📨 Johnny@protectmortgagesolutions.co.uk📞 01224 872000Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history. ... See MoreSee Less

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Protect Mortgage Solutions

4 weeks ago

🔹 Get Mortgage Ready with Step-by-Step Support 🔹From application to offer, professional mortgage advice can guide you through each step towards homeownership. 🏡 Get in touch with us to see how we can help. 🌐 www.protectmortgagesolutions.co.uk📨 johnny@protectmortgagesolutions.co.uk📞 01224 872000Your home/property may be repossessed if you do not keep up repayments on your mortgage.There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £150 to £350 and this will be discussed and agreed with you at the earliest opportunity. ... See MoreSee Less

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Protect Mortgage Solutions

4 weeks ago

😎 A lovely, sunny Friday afternoon - what better way to round off the week than by sharing some of our recent client reviews? 🎉Want to see what more of our clients are saying? 📣 Check out our latest reviews on: Trustpilot: uk.trustpilot.com/review/protectmortgagesolutions.co.uk Google: g.page/r/CYg_Iny9DRRrEBE/reviewUsed our services recently? We’d love to hear your thoughts! 👍 ... See MoreSee Less

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Protect Mortgage Solutions

1 month ago

🚨 Update on LIFT (OMSE) Scheme in Scotland — What You Need to Know 🚨The Scottish Government has extended its eligibility criteria — First-Time Buyers are now included, as well as priority groups! 🎉This makes climbing onto the property ladder even more achievable.As supporters of the LIFT scheme, we are thrilled by this development!This initiative has already empowered many to take that crucial first step towards home ownership. Could it do the same for you?🌐 www.protectmortgagesolutions.co.uk📨 johnny@protectmortgagesolutions.co.uk☎ 01224 872000 ... See MoreSee Less

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Protect Mortgage Solutions

1 month ago

AberNecessities are looking for donations of pre-loved children's winter coats and jackets. We are happy to be a collection point in Alford if anyone else has any they would like to donate. Cheree will then arrange for them to be dropped of at Abernecessities when she heads over with ours next week. Just drop us a pm to arrange.💜 PRE- LOVED COATS 💜He pulled his sleeves down over his hands and walked with his head tucked low, hoping no one would notice he didn’t have a proper coat. His friends ran ahead, laughing in the frost — but he just felt too cold.For too many children across the North-East, this story is the reality of winter. A warm jacket is something most of us take for granted, yet for so many local families, it’s a luxury they simply can’t afford.As we head towards the colder months, we are asking for your help. If you have pre-loved children’s jackets tucked away at home — outgrown but still in excellent condition — please consider donating them to us.That one small act of kindness could turn a cold, lonely walk into one filled with warmth, dignity, fun and belonging.📍 Drop-off: AberNecessities HQ, Howe Moss Road, Dyce, AB21 0ER �🕣 We are open Monday-Friday between 10am- 4pm for donations. Our final drop off day will be Friday 31st of October. 💜 Please SHARE, one click can make a HUGE impact. Together, we can wrap local children in love this winter. 💜#NoChildShouldGoWithout #warmth #playing please note, the photo is for illustrative purposes only. ... See MoreSee Less

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Protect Mortgage Solutions

1 month ago

🟢 Get Remortgage Ready 🟢Adapt Your Mortgage, Enhance Your LifeLife evolves, and so should your mortgage. Let us help you adapt your mortgage to your current lifestyle and financial goals. 🏡👨‍👩‍👧‍👦💰 🌐 www.protectmortgagesolutions.co.uk📨 Johnny@protectmortgagesolutions.co.uk📞 01224 872000Your home/property may be repossessed if you do not keep up repayments on your mortgage.There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £150 to £350 and this will be discussed and agreed with you at the earliest opportunity. ... See MoreSee Less

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Reviews

5 Over 35 Reviews

Write a Review

Liviu Daniel Taban 3 days ago

Johnny and Cheree have been wonderful people and very professional, help me from first time taking the mortgage and now doing the remortgage paperwork . Quick and easy, being responsive to all my questions. Recommend their company 100%👍

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Natalija Volodina 1 week ago

Johnny and Cheree were great to work with, they were amazing at helping with all the paperwork and with things that gave us no stress. I recommend working with this company to my friends and family 🙂

...

Mark Moar 1 month ago

We recently worked with Johnny and Cheree Winterbottom at Protect Mortgage Solutions, and we honestly couldn’t be happier with the service we received. From the very start, they were professional, approachable, and incredibly helpful.
They took the time to fully understand our needs, explained everything clearly, and guided us through each step of the process. What really stood out was how well they kept us informed throughout – we always felt reassured that everything was being taken care of.
Thanks to their knowledge and hard work, my wife and I were able to secure a fantastic new mortgage deal with zero stress. We can’t recommend Johnny and Cheree highly enough – if you’re looking for reliable, friendly, and efficient mortgage support, they’re the people to call.

...

Lee Baxter 1 month ago

Protect Mortgage Solutions would come highly recommended by my partner & I, we had to renew our mortgage & Johnny helped us get a good deal & made the whole experience very easy & stress free for us, & Cheree also providing great support from the documentation side of things also.

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antonette-carmen gonzalez 2 months ago

We couldn’t recommend Johnny and Cheree enough! We’re incredibly grateful for their guidance and support in helping my fiancé and me purchase our first home together. Their patience and depth of knowledge were truly exceptional throughout the entire process.

...

Anne McG 2 months ago

Great, professional service! No question too small or silly. Already recommended to friends and family.

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Anna Hay 2 months ago

I can't express how grateful I am for the outstanding service I received from my mortgage advisor! As a first-time buyer, the entire mortgage application process seemed incredibly daunting. However, they made it quick, easy, and stress-free. Their expertise and guidance were invaluable, and they went above and beyond to ensure I understood every step of the process. I highly recommend them to anyone looking for a mortgage, especially first-time buyers!

Thank you again!
Anna.

...

Lydia Barrass 2 months ago

We were very happy with Protect Morgage Solutions. We always felt important , listened to and understood . From start to finish we were treated with respect and both Johnny and Cheree went out of their way to make sure we got the best mortgage deals. Cannot recommend Protect Morgage Solutions highly enough ***** Thank you both !!

...

Gabriel Liddle 3 months ago

Johnny provided first-class service from our initial meeting all the way through to the final sale. As a first-time buyer, the process can feel quite daunting, but Johnny’s guidance made everything close to effortless and even enjoyable. I couldn’t recommend Johnny and Cheree at Protect Mortgage Solutions highly enough.

...

Call Us

01224 872000

Email Us

johnny@protectmortgagesolutions.co.uk

Find Us

Protect Mortgage Solutions
7 Queens Gardens
Aberdeen
AB15 4YD

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity. The Financial Conduct Authority does not regulate some forms of Buy to Lets.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.

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Please be aware that by clicking on to the above links you are leaving the Protect Mortgage Solutions Ltd website. Please note that Protect Mortgage Solutions Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

If you click this referral link and make a purchase (or take another qualifying action), we may receive a commission or referral fee – at no extra cost to you.

Latest Articles

Why Reviewing Your Protection Cover Matters When Remortgaging

September 29, 2025

When your mortgage deal comes to an end, most people focus on securing the best new rate. However, remortgaging is also the perfect time to step back and look at the bigger picture. It is not only about lowering your monthly repayments, it is also about ensuring that your financial safety net continues to protect you and your family.

Preparing for University: How to Protect Your Student’s Gadgets and Valuables

September 22, 2025

With A-level results day now a distant memory, many young people are preparing to move away from home for the first time to begin their university journey. Alongside clothes and kitchen items, students will often pack laptops, smartphones, tablets, cameras and even bicycles. These possessions can be extremely valuable, and without suitable insurance, a single theft or accident could cause significant disruption and financial strain.

At Last, Some Relief: Average Two-Year Mortgage Fixes Fall Below 5%

September 8, 2025

Homeowners coming to the end of a fixed mortgage deal are finally getting some good news. For the first time in nearly three years, the average two-year fixed mortgage rate has slipped below five per cent.

Young Homeowners Risk Losing Homes as Thousands Remain Unprotected

August 25, 2025

Thousands of young homeowners are putting themselves at risk of losing their homes because many have no insurance cover to protect against life’s unexpected shocks. New research has revealed that a large number of people aged 18 to 34 have little understanding of essential financial protection, and even fewer have taken steps to safeguard themselves.

Thousands of Landlords to Face Quarterly Tax Reporting Under New HMRC Rules

August 18, 2025

Landlords across Britain are being warned to prepare for a major tax shake-up that will affect thousands from April 2026. Under new HMRC rules, many property owners will soon have to report their rental income and expenses to the taxman every three months, rather than just once a year.

Is Your Mortgage Deal Ending in Early 2026? Why Now Is the Time to Act

August 4, 2025

Homeowners whose fixed-rate mortgage deals expire in early 2026 are being urged to start planning ahead, as a new wave of rate rises and higher payments could be on the horizon. UK Finance data shows that around 1.6 million fixed-rate mortgage deals are due to end in 2025, with a similarly high number expected to mature in 2026. If you are one of them, it is important to act early to avoid the shock of increased monthly payments and to secure the most suitable deal for your circumstances.

Mortgage Timebomb: Could Your Monthly Repayments Be About to Soar?

July 28, 2025

Millions of households across the country are heading for a financial jolt as their fixed-rate mortgage deals start to come to an end. These deals were often taken out during the pandemic when interest rates were at record lows. Now, with those rates no longer available, many borrowers could see their monthly repayments rise sharply.

Simple Summer Projects That Could Add Thousands to Your Home’s Value

July 21, 2025

Summer is the perfect time to tackle those home improvements you have been putting off. But instead of just ticking off a list of repairs, why not focus on the projects that can actually add value to your property? Whether you are planning to sell soon or simply want to enhance your living space, these simple updates could increase your home’s appeal and potentially boost its value by thousands of pounds.

Is Your Heating at Risk? Why 900,000 Homes Must Upgrade Their Electricity Meters Before 30th June 2025

June 9, 2025

Almost one million homes across Great Britain are being urged to check their electricity meters following an important announcement from the energy regulator. A nationwide switch-off of a decades-old system could affect how heating and hot water are delivered in many properties. If you or someone you know has an older electric meter and uses an off- peak electricity tariff, this could be essential reading.

Can Renters Really Skip the Deposit? A Look at Skipton’s Track Record Mortgage

June 2, 2025

Sick Pay Gaps and Your Mortgage: Are You Covered If You Cannot Work?

May 19, 2025

Housing Market Update: Average Asking Prices Reach Record High This Spring

May 12, 2025

The Bank of England Cuts Interest Rates to 4.25%

May 9, 2025

In a move widely anticipated by markets, the Bank of England has reduced the base interest rate from 4.50% to 4.25% today.

Mortgage Market Update: Borrowing Opportunities Improve as Lenders Cut Rates and Ease Rules

May 5, 2025

Labour Government Plans to End Leasehold for New Flats

April 28, 2025

Is Your Five-Year Fixed Mortgage Ending? Here’s What You Need to Know

April 21, 2025

Do You Need a LIFT Onto the Property Ladder?

April 16, 2025

The Scottish Government’s LIFT Open Market Shared Equity (OMSE) scheme is open for applications. Eligible buyers can get funding of up to 40% toward the price of a home in Scotland.

How First-Time Buyers Can Get a Mortgage – A Guide to Government Schemes and Support

April 14, 2025

HMRC Plans to Raise Side Hustle Tax Threshold and Strengthen Anti-Tax Evasion Measures

April 7, 2025

The UK government has announced plans to increase the tax reporting threshold for side incomes from £1,000 to £3,000 by the end of 2029. This change is expected to remove up to 300,000 people from self-assessment tax returns, simplifying tax obligations for individuals earning from small-scale trading, freelancing, and online selling.

Landlords Face £15,000 EPC Upgrade Bill as Government Confirms 2030 Deadline

March 31, 2025

Millions of rental homes must meet stricter energy efficiency rules – and tenants could feel the impact. Landlords are being warned of hefty costs after the government confirmed that all rental properties must achieve an Energy Performance Certificate (EPC) rating of C by 2030.

The Government’s Help to Build Scheme: Making Custom and Self-Build Homes More Accessible

March 24, 2025

For many people, the idea of building their own home has long been seen as a luxury—complex, expensive, and out of reach for all but the wealthiest. However, the UK government’s Help to Build scheme is seeking to change that, offering financial support to those who want to design and construct their own homes rather than buy on the open market.

How to Protect Your Home & Your Future: Why Government Support Won’t Save You

March 17, 2025

For most homeowners, a mortgage is the biggest financial commitment they will ever make. It’s a long-term promise – one that provides security, stability, and a future for your family. But what happens if you suddenly can’t make your payments? Many people assume that if the worst happens, the government will step in to help. The reality? State support is minimal, delayed, and, in some cases, simply another loan. The question isn’t whether financial risks exist – it’s whether you are prepared for them.

Is Your 2-Year Fixed Rate Coming to an End? Let’s See if You Could Get a Better Deal

March 10, 2025

If your two-year fixed mortgage is about to expire, you might potentially be in for some positive news. Back in early 2023, many borrowers locked into deals with interest rates as high as 6.86%, as the Bank of England battled stubborn inflation with relentless interest rate hikes. Now, however, the tables have turned—and you could be paying much less when you remortgage.

Buying a Home in a Flood Risk Area: What You Need to Know

February 24, 2025

Purchasing a home is one of the most significant decisions you’ll ever make, so it’s crucial to consider all potential risks before committing. This winter, flooding has once again made the headlines, affecting many homes across the UK, and highlighting the importance of factoring in flood risk when searching for your next property. For some UK buyers, this means carefully evaluating the possibility of purchasing a home in a flood-prone area. With extreme weather events becoming increasingly common, understanding and assessing flood risks is vital to safeguarding your investment—and your peace of mind.

Property Experts Forecast 2025 to be a Buyer’s Market

February 17, 2025

The UK housing market is showing signs of a strong start in 2025, with significant increases in new property listings and a rise in average asking prices. Estate agents Rightmove report that the average price of properties coming to market has increased by 1.7% (£5,992) this month, reaching £366,189—the largest new year price jump since 20201. Despite this growth, average prices remain approximately £9,000 below the peak reached in May 2024, reflecting ongoing affordability considerations for buyers.

The Bank of England Reduces Interest Rates to 4.50%

February 11, 2025

The Bank of England has announced that interest rates are to be reduced again, this time going down to 4.50%. This is the second reduction in interest rates in recent times, following a long period of interest rate rises, where they peaked at a 16-year high of 5.25%.

Big Changes Proposed to Make Mortgages Easier

February 10, 2025

There’s some potentially good news on the horizon for homeowners and aspiring buyers: the Financial Conduct Authority (FCA) is considering shaking things up in the mortgage world. With house prices soaring and affordability feeling like a distant dream, these proposed changes aim to make borrowing simpler, fairer, and more accessible. If you’ve ever felt the stress of scraping together enough for a deposit or struggled to meet strict lending rules, this could be the break you’ve been waiting for.

Start the Year Right: Plan Ahead Now

February 3, 2025

January often feels like one of the longest months of the year. With extended gaps until payday and the financial strain left by the festive season, many find their budgets stretched to the limit. If you’re feeling the squeeze right now, take it as an opportunity to plan ahead for the future.

Rising Demand for Chain-Free Homes as Stamp Duty Deadline Approaches

December 16, 2024

With a significant surge in demand for homes that are chain-free, the UK property market is buzzing as buyers seek a speedy move to beat the looming stamp duty hike. A recent report by Zoopla highlights that 32% of homes currently on the market are listed as chain-free, a significant draw for those keen to finalise their purchase before the April deadline.

Top Tips to Keep Your Car Safe from Clever Thieves

December 9, 2024

In an age where our cars are more advanced than ever, so too are the methods used by car thieves. Today’s criminals are tech-savvy, using everything from signal jammers to relay attacks to outsmart security systems and steal vehicles in a flash.

Does Your Mortgage Deal Still Fit Your Needs?

December 2, 2024

Are you on the mortgage deal that fits your current circumstances? In today’s ever-changing financial landscape, it’s easy for mortgage deals to become outdated before you know it, and increasingly important to be aware of what’s out there that could be of interest to you.

Budget-Friendly Christmas: Money-Saving Tips for a Special Season

November 25, 2024

Christmas is a time for celebration, family, and creating special memories, but it doesn’t have to come with a hefty price tag.

Why Are Tracker Mortgages Becoming So Popular?

November 22, 2024

Tracker mortgages have gained significant traction in the UK housing market throughout 2024, with recent data showing a 67% surge in uptake compared to 2021. The appeal of these products stems from their flexible nature, offering interest rates that follow the Bank of England’s base rate, which has become especially attractive amidst ongoing economic uncertainty and fluctuating interest rates.

Skip the NHS Queues: Why Private Medical Insurance Could Be Your Health Lifeline

November 15, 2024

In a world where NHS waiting lists stretch endlessly, more people are turning to private healthcare. Could Private Medical Insurance (PMI) be your fast track to better health? Let’s explore if it’s worth considering and how it could impact your peace of mind.

The Bank of England Reduces Interest Rates to 4.75%

November 11, 2024

The Bank of England has announced that interest rates are to be reduced again, this time going down to 4.75%. This is the second reduction in interest rates in recent times, following a long period of interest rate rises, where they peaked at a 16-year high of 5.25%.

Should You Move Before Winter? Navigating the Autumn Housing Market

November 8, 2024

As the leaves turn golden and the temperature begins to drop, many UK homeowners may find themselves wondering if autumn is the right time to make a move. For homeowners considering selling or buying a property, the housing market can present both opportunities and challenges at this time of year. In this article, we’ll explore the pros and cons of moving before winter and what you should consider if you’re thinking of taking that step.

Budget Announcement

November 1, 2024

Chancellor Rachel Reeves has delivered Labour’s first Budget since 2010, after the party’s return to power in July’s general election. We wanted to provide you with a summary of the most notable points that were made in yesterday’s speech.

AI Voice Scams: Could You Be Next? Over a Quarter of Brits Targeted

October 15, 2024

Fraudsters are taking advantage of cutting-edge AI technology, and it’s time we all start paying attention. According to shocking new research from Starling Bank, over a quarter (28%) of UK adults have been targeted by AI voice cloning scams in the past year alone. The worst part? Nearly half (46%) of Brits don’t even know these scams exist, leaving them wide open to being tricked.

Are You Ready for the Energy Price Cap Hike?

October 8, 2024

The energy price cap rises from October 1st, UK homeowners are facing the harsh reality of increased energy bills – and it’s those living in the least energy-efficient homes who will feel the biggest pinch. According to new data from Rightmove, households in properties with the lowest energy performance ratings (EPC F-G) could see their annual bills spike by £558 under the new price cap.

Autumn Property Market Off to a Flying Start

October 1, 2024

With the summer holidays now behind us, the Autumn home-selling season has kicked off in full force – and this year, it’s busier than ever! After a quieter property market in 2023, where many prospective buyers and sellers held back due to soaring mortgage rates and stubbornly high inflation, it seems 2024 is seeing a rebound.

Don’t Let Your Property Fall into the Wrong Hands: Update Your Will After Buying a Home

September 16, 2024

Owning a property is likely to be one of the most significant financial decisions you’ll ever make. Whether you purchased your home recently or some time ago, ensuring that your Will accurately reflects your property ownership is crucial.

Time to Safeguard Your University-Bound Teen’s Valuables

September 9, 2024

With A-Level results delivered, excitement is building as families across the UK prepare to send their children off to university. But amidst the flurry of packing and planning, have you considered how to protect your child's expensive gadgets and treasured possessions?

Know Someone Wanting to Buy Their First Home? Share This Vital Guide to Help Them Secure Their Future

September 3, 2024

As house prices continue to rise, getting onto the property ladder feels more like a distant dream for many first-time buyers. But here's some good news: it's not as tough as it seems!

Easy Store Credit – the Sting in the Tail

September 1, 2024

Wherever you go on the high street or online, you will see ‘Buy Now Pay Later’ (BNPL) schemes advertising that you can buy that item you want or need now and pay back the money borrowed, plus interest, over several weeks or months. Some providers add a sweetener by giving the borrower an initial interest free or fee-free period.

Buy-to-Let: The Importance of Understanding Rental Yields

August 19, 2024

For prospective landlords, understanding the rental yield can be crucial for making informed decisions about the property you intend to purchase and let out.

The Bank of England Reduces Interest Rates to 5.00%

August 5, 2024

Good news, the Bank of England has announced that interest rates are to be reduced to 5.00%

Can I rent out my home on Airbnb if I have a mortgage?

August 5, 2024

With holiday season in full swing and many of us looking at leaving our homes for a week or two in search of the sun, the thoughts of advertising your home as a holiday-let to make a bit of spare cash may seem quite appealing.

The importance of travel insurance

July 29, 2024

With prime holiday time approaching fast, many will have already booked breaks at home or abroad. With prices of holidays rising, it makes sense to insure your holiday so that you are not out of pocket should the unexpected happen.

What to do if you’re dealing with debt

July 22, 2024

If you are in debt, or have a family member who is, it can be the loneliest place to be and no matter how resilient you are, eventually it will wear you down. However, there are strategies you can adopt to alleviate the situation and get yourself back on track.

Car insurance for new drivers

July 15, 2024

Have you got someone in the family who’s just a driving test away from qualifying to drive? If you have, you will probably be aware that passing the driving test is not the only barrier to being able to take to the roads alone.

Clever Storage Solutions to Maximise Space in Your Home

July 8, 2024

It can often seem like you’re running out of space, no matter how large your home is. We’ve put together a few nifty tips for some neat storage ideas that might work in your property.

Could the General Election have an impact on your mortgage?

July 1, 2024

With voting taking place next week for the General Election, many homeowners and prospective buyers are wondering how the results might impact their mortgages.

How Do You Know if Your Savings are Safe?

June 24, 2024

What happens if the institution that looks after your savings goes bust? While memories of the 2008 banking crisis are receding with each passing year, there will always be a concern that money placed with any bank or other institution could be at risk.

Secure Your Home for a Stress-Free Summer Holiday

June 17, 2024

If you have a trip booked this summer, the last thing you want is to worry about your home security while you’re away. You’ve worked hard all year and deserve a well-earned break. Holidays are important, and it’s likely you have something planned that you’re looking forward to. The last thing you want is a phone call saying your home has been burgled while you’re enjoying your holiday.

How to Save Money When Buying a Home

June 10, 2024

Buying a home is one of the most significant purchases you’ll ever make. While it’s exciting to imagine your new space, it’s crucial to keep your finances in check. Here are some fun and practical ways to save money during your home-buying journey.

Add Value to Your Garden This Spring

June 4, 2024

Gardens have long been desirable and known to add value to property, and with the increase in hybrid working in recent years, the desire for outdoor space can make for a key area that can add both value and appeal to your home.

Spring Clean Your Finances

April 24, 2024

This month welcomed the new Tax Year, that started back on 6th April. We look at a number of checks you can make to ensure your finances are given the ‘spring clean’ for the year ahead.

More Looking to Property Investments to Generate Income

April 24, 2024

In these challenging economic times, an interesting report has revealed that one in six people are choosing property investment as a pathway for generating income, so we look further into the drivers behind this.

Lower National Insurance Payments, But Beware Creeping Tax Increases

April 24, 2024

Early April saw the Government’s 2% reduction in National Insurance on wages take effect, which represents a welcome bonus for many, however we look ahead to a potential risk of tax increases further down the line.

5 Big Reasons Why Spring is A Good Time to Sell Your Property

April 24, 2024

Spring has sprung, and with it comes a fresh opportunity for property sales. The months of March through May are historically the prime time for the property market, yielding consistent sales each year1. If you’re contemplating a sale, here are five compelling reasons to make Spring the season to showcase your property on the market.

Act Fast to Secure Your Mortgage Rate

April 3, 2024

The process of buying a home or arranging a remortgage can feel stressful enough, but it’s being made more challenging by recent data that reveals the average shelf-life of a mortgage product has dropped from 28 days down to just 15 days1, making it more important than ever to act fast to help secure a deal that’s suitable for you.

Attendance Allowance: Support for Those Receiving Care

April 3, 2024

If you have an elderly family member or someone you know who is in receipt of the state pension, it’s worth checking to see if they are eligible for the Attendance Allowance.

Is Now the Time to Build Your Own Grand Design?

April 3, 2024

With a shortage of properties available in certain parts of the UK, we look at whether it could be the ideal time to consider the popular self-build home route and create your own ‘Grand Design’.

Pocket Money Budgeting for the Future

April 3, 2024

A Cambridge University study once found that a person’s financial habits were established by the age of just 7, so we look at some ways that could get kids off to a flying start.

Home Extensions: Where To Start?

March 4, 2024

If you and your family are thinking of needing extra space – the natural thought can be to simply search for a new property. However, with the turbulent housing market and rising cost of mortgages – one answer might be right under your feet.

Are Your Savings Working For You?

March 4, 2024

Recent times have seen a dramatic rise in interest rates, and we’ve all seen the impact on monthly mortgage payments as a result, but what’s less publicised is how your savings could now be working harder for you. We take a look at some tips on how to make the most of higher interest rates.

How a Recession Could Affect Your Mortgage

March 4, 2024

According to recent figures from the Office of National Statistics (ONS), the UK fell into a recession for the final three months of 2023. Here, we look further into this to find out what it can mean for the average person with a mortgage.

Spring Sales: Get Your Home to Market

March 4, 2024

With days getting longer, and a certain something in the air – Springtime has been proven to be the best time to sell a home. We look at a few quick tips on how to seize the moment and get your home ready for sale.

Tips For Viewing A Property

February 18, 2024

Spring is a great time for moving home, however property viewings can be an overwhelming experience, so we’ve a few top tips to help you focus on the most essential items.

Remortgaging – Don’t do it Without Professional Help!

February 18, 2024

There are a number of reasons why you may wish to remortgage, however it’s always worthwhile seeking advice to check whether the mortgage you hold is right for your current situation.

Get Remortgage Ready

February 18, 2024

The late-Spring period is a busy time for remortgages this year – according to data from USwitch, over 371,000 of us are due to be coming up for a remortgage on our homes between April and June 2023, so chances that this may be you right now, or it’s coming up soon.

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7 Queens Gardens
Aberdeen
AB15 4YD

Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.

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