As summer draws to a close and we enter autumn, September can be an ideal moment to think about the future. Continue reading to discover how we can assist both current and prospective homeowners…
TEAM NEWS
This month, we’re excited to introduce Ryan Giullari at PHX Mortgages, a passionate and personable mortgage adviser dedicated to helping people confidently navigate their home-buying journey.
Tell us a bit about yourself… I'm based in Market Deeping, making it easy to assist clients across Lincolnshire, Peterborough, and beyond. After a few years in the industry, in early 2025, I took a leap and became a broker with Matt at PHX Mortgages, part of the Stratton Thorpe Mortgage Solutions’ extended network. This decision has brought me flexibility and the chance to tailor my advice to a diverse range of clients, especially in protection and long-term planning.
Outside of work, I enjoy long walks with podcasts, preparing Sunday roasts, and fitting in gym sessions. I’m also a dedicated Chelsea fan, despite their challenges!
What’s your favourite local restaurant?… I’m half Italian, and maybe a bit biased, but Tonino’s in Market Deeping is one of my favourites. The food is fantastic, the hospitality is warm, and it always reminds me of family. Whether it’s a casual midweek pizza or a Saturday night pasta, it never disappoints.
What’s your top advice for first-time buyers in 2025?… You don’t have to have everything figured out before speaking with an adviser. It’s my job to help you understand the process, provide you with a clear plan, and ease some of your stress. If your situation feels a bit “messy,” that’s perfectly fine. Life rarely fits neatly into boxes, and there is usually a solution available.
MORTGAGE NEWS
Chancellor to announce reforms to add over 35,000 FTB loans a year
The Chancellor is set to announce “the biggest series of reforms to homebuying regulation in a decade”, which will lead to an extra 36,000 first-time buyer mortgages over the coming year.
Rachel Reeves is expected to say that “red tape that has been holding back the competitiveness of the UK financial sector will be swept away” at a wide-ranging summit of business leaders in Leeds later today.
She will welcome that more mortgages will be available at over 4.5 times a buyer’s income, following Bank of England recommendations that large and small lenders will be able to lift their high loan-to-income home loan lending.
The Chancellor will say this will create up to 36,000 additional mortgages for first-time buyers over the first year.
SOURCE: Mortgage Strategy
📚 As the kids head back to school, it’s the perfect time to get your financial matters in order!
Whether it’s exploring remortgage options to secure a new rate or looking into life protection cover for peace of mind, now is the time to prioritise your family's financial health.
Take advantage of this fresh start to reassess your goals and make informed decisions that will benefit you and your loved ones for years to come. Let’s make this school year the best one yet, financially and beyond!
NatWest Group has agreed a partnership with Landbay to issue buy-to-let (BTL) mortgages, marking the high street bank’s entrance into the sector.
NatWest Group will operate in the limited company BTL space through the origination and funding partnership, making use of Landbay’s existing broker distribution network.
Nigel Davey, head of BTL, home buying and ownership at NatWest Group, said: “Today’s announcement is an important partnership for our Home Buying and Ownership business. Landbay’s industry expertise and market agility enables fast access to the dynamic professional landlord sector.
“Professional landlords play a critical role in ensuring the ongoing supply of good-quality housing stock. NatWest will fund a suite of BTL mortgage products to professional landlords for the first time, delivered under the Landbay brand. This represents another step in our growth strategy, which aims to make the home-buying and ownership experience simpler for buyers and brokers.”
SOURCE: Mortgage Solutions
Thinking about moving, remortgaging or renovating before Christmas?
It’s a big decision to make. Whether you're looking for more space, a change of scenery, or simply want to secure a new rate, there are many factors to consider.
If you’re unsure whether to pack up and move or stay put and remortgage, let's chat! We can help you assess your options and find the best solution for your needs before the festive rush.
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