Patrick Weightman Mortgages & Protection

Patrick Weightman Mortgages & Protection Think your family should be too? Let's talk about life insurance, critical illness cover, and income protection.

🏡 Mortgage & Protection Adviser with TMG Direct
📍 Hinckley & Leicestershire

Helping first-time buyers & self-employed clients save money, protect what matters & explore greener mortgage options 🌱

🏆 2026 TMG Mortgage Network Rising Star Finalist TMG Direct Mortgage & Protection Broker | Hinckley, Leicestershire

Helping first-time buyers, home movers, and self-employed clients across Leicestershire secure the right mortgage and protection. Based in Earl Shilton near Hinckley, serving Warwickshire, Northants, Derby, Nottinghamshire, Rugby, Nuneaton, Lutterworth, Broughton Astley, and Market Harborough.

✅ First-Time Buyer Mortgages
✅ Self-Employed & Small Business Owner Mortgages
✅ Buy-to-Let & Landlord Finance
✅ Remortgage Services
✅ Mortgage Capacity Reports
✅ Bridging Loans & Equity Release
✅ Life Insurance & Protection Cover
✅ Eco Home Improvement Financing (Heat Pumps & Green Upgrades)

Access to a whole of market panel of lenders including Nationwide, Accord, Barclays, Halifax, HSBC, NatWest, and specialist providers. Free initial consultation, fees only apply when your mortgage application succeeds.

📞 01455 241201
📱 07579 048670
✉️ [email protected]

Your mortgage is protected.

25/09/2026

Ever been told there's a wait of months to see a specialist, and just felt stuck? There's a type of cover that quietly gets you seen a lot faster, and it's more affordable than people assume.

It's private medical insurance. And before anyone panics, this isn't about going private instead of the NHS, or thinking you're too posh for a waiting room. It's about choice and speed when you actually need it.

Here's what it tends to do. If something's wrong and you need to see a specialist, have a scan, or a procedure, private medical cover can get you seen quickly, at a time and place that suits you, rather than waiting and worrying. For a lot of families, that speed is the whole point. An answer, and treatment, before a problem drags on for months.

An honest word, because insurance always has its edges. Policies vary a lot, some cover far more than others, and most won't cover conditions you already had before you took it out. The devil really is in the detail, which is exactly why it's worth having someone read that detail with you rather than clicking buy on a comparison site.

That's my job: helping you work out what level of cover genuinely fits your life and your budget, so you're not paying for bells and whistles you'll never use, or finding a gap right when you need it most. Comment HEALTH and I'll talk you through it.

Insurance is subject to eligibility, underwriting and criteria. Policies have exclusions and limitations.

Spare £100 a month. Would you overpay the mortgage, or stash it in savings?Quick one for the Friday coffee break (it's M...
25/09/2026

Spare £100 a month. Would you overpay the mortgage, or stash it in savings?

Quick one for the Friday coffee break (it's Macmillan's World's Biggest Coffee Morning today, so cake is basically compulsory).

There's no single right answer. A lot depends on whether you've got a rainy-day pot first, and what your mortgage costs you compared with what your savings earn.

If you go the overpay route, check your lender's overpayment allowance first, so you don't trip an early repayment charge.

Overpay or save? Tell me in the comments.

Just a friendly Friday poll, not personal advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

24/09/2026

Taking out life insurance to cover your mortgage? Good move. But there's one choice on the form that quietly decides whether you might be paying for more than you need.

It's this: level term, or decreasing term. Two flavours of the same idea, life cover that runs for a set number of years, and the difference is what happens to the payout over time.

Level term stays flat. Take out two hundred thousand of cover, and it's two hundred thousand whether you claim in year one or year twenty. Decreasing term does what it says on the tin, the payout gradually reduces over the years.

So why would anyone pick decreasing? Because a repayment mortgage shrinks too. Every payment chips away at what you owe, so the debt in year twenty is a fraction of what it was at the start. Decreasing term is built to roughly track that falling balance, which usually makes it cheaper than level cover for the same starting amount.

Here's the rule of thumb, and it's only that. If the cover is purely to clear a repayment mortgage, decreasing term often fits nicely and costs less. If you want a lump sum left over for the family on top, or you're on interest-only where the balance doesn't shrink, level term usually makes more sense.

Neither's right or wrong. It's about matching the cover to the debt and to what you actually want to leave behind. That's the bit I sort, and I write it in trust so it lands quickly with the right people. Comment TERM and I'll help you check yours.

Insurance is subject to eligibility, underwriting and criteria. Policies have exclusions and limitations.

23/09/2026

What if your savings could quietly shrink your mortgage interest, and you never had to spend a penny of them? That's an offset mortgage, and hardly anyone gets it explained.

Here's the plain-English version. Your savings sit in an account linked to your mortgage. You don't hand them over, they stay yours. But instead of earning you a bit of interest, they're set against what you owe, so you only pay mortgage interest on the difference.

Quick illustrative example, not a real deal: owe a hundred thousand, keep ten thousand in the linked savings, and you only pay interest as if you owed ninety. Your savings are doing the heavy lifting. And because they're not earning taxable interest, there's often a tidy tax angle too, especially for higher-rate taxpayers.

The bit people love: you can still get at your money. Boiler packs in? It's there. The offset just works quietly in the background whenever you're not using it.

It won't suit everyone, mind. Offset rates can sit a touch higher than a bog-standard fix, so you need a decent pot for the sums to stack up. But for the right person it can be genuinely powerful.

That's the bit I work out: whether an offset actually beats a normal deal once we put your savings, your rate and your tax position side by side. Comment OFFSET and I'll help you weigh it up.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Nearly half of the homes put up for sale since 2023 never actually sold. And it usually came down to one thing: the pric...
23/09/2026

Nearly half of the homes put up for sale since 2023 never actually sold. And it usually came down to one thing: the price.

Most homes that sell go in the first few weeks. Drift on for a few months with no offer and the odds drop away fast. You get one clean shot at pricing it right.

Here's the bit people miss. The price you list at feeds straight into what your buyer can borrow. Set it too high, the lender's surveyor values it short, and the sale starts to wobble. A down-valuation isn't just an estate-agent problem, it's a mortgage problem.

So before the board goes up, have the numbers chat. I can sense-check your asking price against what a buyer round here could realistically borrow.

Thinking of selling in the next year? Comment PRICE below or drop me a message.

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/09/2026

Moving house but can't quite bear to sell the old place, or it just won't shift? There's a way to keep it, rent it out, and still buy your next home. It's called let-to-buy.

Most people know buy-to-let. Let-to-buy is its lesser-known cousin, and it's for a very particular moment: you're moving on, but you'd rather keep your current home as a rental than sell it.

Here's the shape of it. You switch your existing home onto a buy-to-let mortgage, which often releases some of the equity you've built up. That released cash can then become the deposit for the new place you're actually going to live in. One move, two mortgages: a buy-to-let on the old home, a residential on the new one.

Why do it? Maybe the market's flat and you don't want to sell cheap. Maybe you fancy keeping a foot in the property ladder. Or maybe it's a home you're just not ready to let go of.

A few honest bits, though. It's more complex, you'll have two mortgages and a tenant to think about, the rent has to cover the buy-to-let comfortably, and there can be extra stamp duty on the onward purchase. It's a proper plan, not a spur-of-the-moment thing.

That's where I come in: lining the two mortgages up so they complete together, working out how much equity you can sensibly release, and making sure it all stacks up before you commit to being a landlord. Comment LETTOBUY and I'll talk you through it.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Everyone knows someone who "did well out of a rental."They rarely mention the bigger deposit, the tax that changed, or t...
22/09/2026

Everyone knows someone who "did well out of a rental."

They rarely mention the bigger deposit, the tax that changed, or the boiler that only ever dies on a bank holiday.

Buy-to-let can be a brilliant long-term plan, a pension made of bricks. But it's a business, not easy money. My new article walks through what to weigh up before you become a landlord: the deposit, how lenders stress-test the rent, the tax trap, and the one question almost nobody asks.

Thinking about a first rental? Have a read, then give me a shout. No pressure, no jargon.

Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

ADBefore you fall for a house, there's one quiet job worth doing first. And it's the one everybody puts off: checking yo...
22/09/2026

AD

Before you fall for a house, there's one quiet job worth doing first. And it's the one everybody puts off: checking your own credit file.

Most people glance at one score, from one agency, and assume that's the full story. It isn't. Lenders can see more than that, and it's the little things that trip an application up: an old address still linked to you, a closed account that's somehow still showing, a marker that shouldn't be there.

None of it is dramatic. It's usually a quick fix. But it's a lot less stressful to spot it now than to have a lender find it for you halfway through.

So check what they'll see, before they see it. No nasty surprises.

When did you last actually look at yours?

If you'd like a hand making sense of it, comment or message me FILE and I'll walk you through what actually matters.

Information is for guidance only and does not constitute financial advice.

21/09/2026

The Rightmove house price numbers landed this morning, and this time the headline flipped. Asking prices actually went up, the first monthly rise since May.

And on the face of it, that reads like "the window's closing, better jump in now". But if you're actually trying to buy or move, there's a calmer story in the detail that's worth a minute of your time.

New-seller asking prices rose 0.7% this month, about £2,441, taking the average to £367,440. It's a bit bigger than a typical September, but it's still a small step. Even Rightmove call it "a modest recovery rather than a major turning point", and prices are still 0.8% lower than they were a year ago.

But the headline misses the thing that actually helps you. There are more homes for sale right now than there've been in over a decade, a genuine 12-year high. That is more choice than most buyers have ever had. Most of those homes still find a buyer, they're just taking their time about it, around 64 days on average, and only about 61% of what's listed finds a buyer at all. The sellers who price it sensibly move; the ones chasing a dreamy number sit there.

So for a first-time buyer or a home mover, the power in the room hasn't gone anywhere. More choice, more time, and real room to negotiate rather than throwing money at the first place you see and hoping.

Now, none of that is me telling you to rush, and it's definitely not me telling you to panic. Nobody's got a crystal ball. The honest read is simply this: the smart move isn't reacting to a headline, it's knowing your own numbers before you fall in love with a house.

So, honest question, no wrong answer. Are you feeling the pressure to jump, or are you happy to take your time?

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

114 Keats Lane, Earl Shilton
Hinckley
LE97DR

Opening Hours

Monday 8am - 7:30pm
Tuesday 8am - 7:30pm
Wednesday 8am - 7:30pm
Thursday 9am - 5pm
Friday 8am - 7:30pm
Saturday 9am - 5:30pm

Website

Alerts

Be the first to know and let us send you an email when Patrick Weightman Mortgages & Protection posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category