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 Leicestershi

re 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.

18/06/2026

Buildings or contents? They're not the same thing, and your lender cares about one of them. Here's the difference, simply.

(General educational content, not personal financial advice.)

18/06/2026

The Bank of England held the base rate at 3.75% today. No drama in the headline... but there's a bigger story underneath it.

The rate cuts the markets had pencilled in for 2026 have quietly been priced out. The Bank's own survey now points to no change for the year ahead, and two of the nine policymakers actually voted to put rates UP, not down. A lot of that comes down to the energy price wobble from the Middle East, even with a ceasefire now on the table.

Here's why that matters to you:

➡️ Coming off a fix in the next 6 months? You can usually lock in a new rate now and still switch if something better appears before it starts. There's no prize for waiting and finding it's gone up.

➡️ First-time buyer? The goalposts aren't moving in your favour while you wait. Knowing exactly what you can borrow today puts you in control.

➡️ The average two-year fix is around 0.8% higher than before all this started. Sounds small, but over a few years it really adds up.

The takeaway isn't panic. It's just to stop waiting for a discount the Bank has quietly taken off the menu, and to make your next move on purpose, not by accident.

Want me to run the numbers on yours? Get in touch:
📞 07579 048670
☎️ 01455 241201
✉️ [email protected]
🔗 https://linktr.ee/patrick.weightman.tmgdirect

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

All eyes on Threadneedle Street today.At noon the Bank of England announces its latest call on the base rate. Whatever t...
18/06/2026

All eyes on Threadneedle Street today.

At noon the Bank of England announces its latest call on the base rate. Whatever they decide, here's what it actually means for your mortgage, because the headlines love a drama and the reality is usually calmer than they'd have you believe.

If you're on a tracker or a variable rate, you'll feel a change fairly quickly, often within a month or two. That's the one to keep half an eye on today.

On a fixed rate? Take a breath. Nothing changes for you mid-deal. Your rate is your rate until your term ends. What today does shape is the deals sitting and waiting for you when that fix runs out, which is exactly why I nudge people to start looking around six months before renewal rather than the week it expires.

And here's the bit the headlines skip. It's not just the number that matters, it's what the Bank says alongside it about where things might head next. That tone often tells you more than the decision itself.

On a tracker, or got a fix ending in the next six months or so? Today's a decent prompt to have a proper chat about your options.

Mobile: 07579 048670
Landline: 01455 241201
Email: [email protected]

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

17/06/2026

Why do buy-to-let lenders care more about the rent than your salary? The stress test, explained simply. Full video, link in the comments.

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

Landlords, here's a date for the diary that's sneaking up faster than it looks. 2030.The plan on the table is for rented...
17/06/2026

Landlords, here's a date for the diary that's sneaking up faster than it looks. 2030.

The plan on the table is for rented homes to hit EPC band C by then. Lots of rentals sitting at a D or an E right now are going to need a bit of work, and the penalties for getting it wrong aren't small.

Before you groan, though, there's an upside that surprises people. More efficient rentals tend to be worth more and rent for more. Research from the Mortgage Works this spring found A and B rated places attracting a noticeable premium over a D, and here in the Midlands the gap's even bigger. In a lot of cases the upgrade pays for itself within a few years.

So it's not just box-ticking. Done sensibly, going green can genuinely pay. And there are green mortgages that reward you for it.

I've just put a full video together on the whole buy-to-let journey, EPCs and all. Link's in the comments.

Mobile: 07579 048670
Landline: 01455 241201
Email: [email protected]

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

16/06/2026

A story I see play out again and again, and why income protection quietly matters more than most people think.

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

One of my favourite parts of this job has nothing to do with mortgages.It's the networking mornings. I host small busine...
16/06/2026

One of my favourite parts of this job has nothing to do with mortgages.

It's the networking mornings. I host small business groups over in Hinckley and Lutterworth, with Market Harborough joining the family soon, and honestly, watching local people help each other win work is one of the best things I do all week.

Running your own thing can be a lonely old game. A room full of people who get it, who'll cheer you on and pass you a referral, changes that. No stiff suits, no hard sell, just decent folk and a decent coffee.

If you're a local business owner who fancies coming along, give me a shout. The kettle's always on.

Mobile: 07579 048670
Landline: 01455 241201
Email: [email protected]

15/06/2026

The lenders went on a quiet rate-cutting spree this week, and the Bank of England didn't lift a finger.
Base rate hasn't moved, it's the lenders themselves trimming pricing because their funding costs eased and they're all chasing your business ahead of remortgage season. NatWest cut three times in a fortnight. Halifax, Barclays, HSBC and others followed. And closer to home, Coventry and Skipton building societies both lined up cuts for this morning.
Landlords had a good week too, with Paragon and Foundation reshaping their buy-to-let ranges.
If your deal ends within six months, this is your nudge: you can usually line up a new rate up to six months early, so you're protected if rates bounce back and you benefit if they keep falling.
Get in touch: 07579048670 | 01455 241201 | [email protected]
Links: https://linktr.ee/patrick.weightman.tmgdirect
Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. 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.

15/06/2026

The deposit isn't the only number when you buy your first home. Here's what else to budget for, before it catches you out.

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

Monday morning thought, and then I'll let you get back to your coffee.A lot of people put off speaking to a mortgage adv...
15/06/2026

Monday morning thought, and then I'll let you get back to your coffee.

A lot of people put off speaking to a mortgage adviser because they're convinced they're not 'ready'. Not enough deposit. Credit's a bit wobbly. Self-employed, so they assume it's a flat no.

Here's the thing. You're almost always further along than you think. Half the job is simply finding out where you actually stand, and that costs you nothing but a conversation.

You don't need everything perfect to start. You just need to start.

Whenever you fancy a no-pressure chat, I'm here.

Mobile: 07579 048670
Landline: 01455 241201
Email: [email protected]

Information is for guidance only and does not constitute financial advice. Mortgage and protection products are subject to eligibility, underwriting and lender/insurer criteria. 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

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