Ian Wilson The Mortgage Store

Ian Wilson The Mortgage Store Buying a home is probably the biggest purchase you’ll ever make, so it’s important you understand how mortgages work. We understand that your home is precious.

🏡 Making mortgages simple
🙌 Over 1,000 mortgages & insurances
💰Best rates from whole of market
💡Over 28+ years of experience
📲 F2F, virtual or phone
📍Kettering, Northamptonshire based The number of options available to you can be overwhelming, so you need to take time to consider which one is right for you. At The Mortgage store, you will find information on over 1,000 mortgages. That’s why choosi

ng the right mortgage is so important. We are experts in finding the most suitable mortgage for your needs and have over 25 years experience. Some of the unique tips and tricks that we have acquired over the years help to set us apart from other advisors. Call us now on 01536 310220 totalk to one of our experts.

🏡 Monthly Mortgage Recap: MayIt has been another busy month in the mortgage market, with lenders continuing to adjust ra...
05/06/2026

🏡 Monthly Mortgage Recap: May

It has been another busy month in the mortgage market, with lenders continuing to adjust rates, house prices showing resilience and remortgage activity remaining strong.

Some of the biggest talking points this month include:

📉 More mortgage rates dropping below 5%
🏠 House prices rising by 1.2% according to Rightmove
🔄 Remortgage applications increasing by 46% year-on-year
💷 Lloyds launching a new £5,000 deposit mortgage for first-time buyers
⚠️ Ongoing global uncertainty continuing to influence mortgage pricing

The market is changing all the time, which is why getting advice early can often give you more options and more flexibility.

Swipe through for this month’s key updates ➡️

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments

mortgage news | mortgage updates | UK mortgage broker | Kettering mortgage advisor | understanding mortgages

04/06/2026

Fixed rate or tracker rate? 🤔🏡

It’s a question we’re being asked more and more at the moment, especially as some tracker rates are currently coming in lower than fixed rates.

For example, Ian recently compared a fixed rate of 4.63% with Nationwide against a tracker rate of 3.96% with Barclays. While tracker rates move in line with the Bank of England base rate, they can offer lower monthly payments initially and often come with the flexibility to switch onto a fixed rate later if you choose to.

That’s one of the reasons many borrowers are currently considering tracker products as part of their mortgage strategy.

The important thing to remember is that there isn’t a one-size-fits-all answer. The right option depends on your circumstances, your attitude to risk and your future plans.

That’s where independent mortgage advice can make a real difference. Rather than looking at one lender’s products, Ian can help you understand the options available and find a mortgage that’s suitable for your individual situation.

Watch the video to hear Ian explain the pros and cons of each 🙌

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

*Rates accurate as of 13 May 2026

Fixed rate vs tracker rate | mortgage rates | bets mortgage lenders | best mortgage rate | mortgage help Kettering

More people are taking steps towards homeownership 📈🏡According to the latest figures from the Bank of England, mortgage ...
03/06/2026

More people are taking steps towards homeownership 📈🏡

According to the latest figures from the Bank of England, mortgage approvals for house purchases reached 65,945 in April - the highest level seen in over 15 months.

What’s particularly encouraging is that approvals increased despite recent uncertainty around interest rates and the wider economy.

💡 What does this mean?

It suggests that many buyers are still feeling confident about moving forward with their plans, whether that’s purchasing their first home, moving house or securing a new mortgage deal.

While headlines can make it tempting to wait for the “perfect” time to buy, the reality is that everyone’s circumstances are different. The best time to start exploring your options is when you’re financially ready.

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

mortgage approval | mortgage offer | housing market | buying a house | mortgage news | mortgage advisor Kettering | homebuyer

02/06/2026

Mortgages with a side of puppy licks 🙌

Welcome to The Mortgage Store team Jeffery 🐶🩵

Want to meet Jeffery? Drop us a message to book your appointment… the mortgage advice comes as standard, the puppy cuddles are a bonus 🤭

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

Kettering mortgage advice | mortgage advisor | buying a house | puppy | cockapoo puppy | new puppy | mortgage broker

Applying for a mortgage soon? 🏡📑One of the best ways to make the process smoother (and quicker!) is having all of your d...
29/05/2026

Applying for a mortgage soon? 🏡📑

One of the best ways to make the process smoother (and quicker!) is having all of your documents ready before you apply.

Lenders need to build up a full picture of your income, spending and financial situation - which is why they’ll ask for things like bank statements, payslips and proof of ID.

It might feel like a lot of paperwork, but having everything prepared early can help avoid delays later down the line 🙌

The good news? Ian will guide you through exactly what’s needed and help make the process as stress-free as possible from start to finish.

Save this post for when you’re ready to apply 🔑

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Mortgage application | applying for a mortgage | mortgage advice | Kettering mortgage advisor | buying a house

💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

27/05/2026

“How long does it actually take to buy a house?” 🏡⏳

It’s one of the most common questions Ian gets asked - and the honest answer is… it depends!

In the current market, if there’s no long chain involved, the average process is usually around 3 months from offer accepted to getting the keys 🔑

However, if you’re part of a property chain - where multiple buyers and sellers are all linked together -the process can take longer, often around 4–5 months, sometimes more depending on circumstances.

Things like surveys, solicitors, mortgage offers and coordinating completion dates can all affect timings.

The good news? Having an experienced mortgage advisor guiding you through the process can help things move as smoothly as possible and keep you updated every step of the way 🙌

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

common mortgage questions | mortgage broker | Kettering mortgage advisor | mortgage advice Northampton | buying a home

21/05/2026

Back by popular demand… Rightmove Roulette! 🎰

A recap on the rules:
👉 Random price
👉 Random property
👉 Random pick

And then Ian breaks down what a mortgage on the home could look like right now.

This week we’re looking at a £300,000 semi-detached, 3-bedroom home in Wellingborough… let’s run the numbers! 🙌🏡

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

Buying houses | mortgage advice | help buying a house | house in Wellingborough | Northamptonshire mortgage advisor

House prices have increased by 1.2% in May, taking the average asking price to £378,304 📈 There’s also more choice for b...
20/05/2026

House prices have increased by 1.2% in May, taking the average asking price to £378,304 📈

There’s also more choice for buyers than we’ve seen in years, with the highest level of homes for sale since 2015 - and around a third of properties already reducing their price.

💡 What does this mean for you?
✔️ Buyers have more negotiating power
✔️ Sellers need to price realistically from day one
✔️ Well-priced homes are still selling quickly (in as little as 36 days!)

Even with ongoing economic uncertainty, the market is holding steady - and opportunities are still there for those who are prepared 🏡

If you’re thinking about buying, selling or remortgaging, now is a great time to understand your options and where you stand in the current market.

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments

House prices May | average house price | buying a house | homebuyer | mortgage News | Kettering mortgage advisor

18/05/2026

Here’s a snap shot of some of the best rates available on the market right now 🏡

Great to see many sub 5% rates coming through, after a bumpy few weeks!

This is a really positive sign for both buyers and those looking to remortgage - but it’s important to remember that rates can change quickly depending on market conditions.

💡 The key is timing and knowing what’s right for you
The “best” rate isn’t always the lowest one - it’s the one that fits your circumstances, plans and budget.

If your deal is ending soon or you’re thinking about getting on the ladder, now is a great time to explore your options and potentially secure a competitive rate 🔑

*prices accurate as of 13 May 2026.

💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments.

mortgage rates | mortgage broker | Kettering mortgage advisor | buying a house | remortgaging | housing market

Saving for a deposit has always been one of the biggest barriers to homeownership… but this could be a game changer 👀 L...
18/05/2026

Saving for a deposit has always been one of the biggest barriers to homeownership… but this could be a game changer 👀

Lloyds have launch a new mortgage product today allowing first-time buyers to purchase a home with just a £5,000 deposit (up to 98% LTV).

Here’s what you need to know 👇
✔️ Available on homes up to £300,000
✔️ 5-year fixed rate (starting at 5.89%)
✔️ No product fees
✔️ Open to both employed and self-employed applicants

💡 It’s designed for those who can afford monthly repayments but struggle to save a large deposit - something over 64% of buyers say is their biggest challenge.

Of course, it won’t be suitable for everyone and strict affordability checks still apply - but it’s a big step towards making homeownership more accessible.

If you’re wondering whether something like this could work for you, it’s always worth having a conversation and exploring your options 🏡

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💻 www.ianwilsonmortgagestore.co.uk
📞 01536 310220

ℹ️ Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always speak to a qualified advisor before making financial decisions. Your home may be at risk if you do not keep up with mortgage repayments

FTB | first-time buyer | mortgage deals | help to buy | mortgage news | mortgage broker | Kettering mortgage advisor

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