Craig Holden Mortgage Advisor

30/04/2026

As expected the Bank of England has kept the base rate at 3.75%. Still some uncertainty as to whether it will rise in the near future, and much depends on how quickly things are resolved in the Middle East.

The Bank is predicted to keep the benchmark rate, which influences the cost of borrowing, at 3.75%.

09/04/2026

⭐️GREAT TIPS FOR FIRST TIME BUYERS⭐️

27/03/2026

⭐️Interest rate update and busting mortgage myths⭐️

20/03/2026

05/06/2025

Thinking of Moving Home This Year? 🏠

At Full Circle Mortgages, we understand that moving home is one of the most exciting yet stressful times in your life. That's why we're here to make the process as smooth and straightforward as possible.

Why Choose Us?

Tailored Advice 🌟

We provide personalised advice to meet your specific needs, ensuring you get the best mortgage deal tailored just for you.

Exclusive Products 💼

Gain access to a range of exclusive products that you won't find on the high street.
Expert Knowledge 📚

Our extensive expertise in the field means you're in capable hands. We know the ins and outs of the mortgage world, so you don't have to.

Flexible Availability ⏰

Unlike traditional banks, we're available beyond the standard 9-5 to fit around your schedule. Moving home shouldn’t mean taking time off work!

Specialist Lenders 🔍

Have a unique situation? No problem! We have access to specialist lenders for more unusual cases, ensuring everyone has a chance at owning their dream home.

Ready to make your move hassle-free? Contact us today for expert advice tailored to your needs!



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

27/01/2025

Do you want to achieve financial clarity in the new year?

Get a handle on your finances this year by speaking to Full Circle Mortgages.

Get in touch now!

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

31/10/2024

A lovely gift from one of my customers recently - never expected but always appreciated - thank you! A pleasure to help.

18/06/2024

Please get in touch for a chat on how you can protect yourself and your family 🧑‍🧑‍🧒‍🧒

Did you know that 1 in 3 men will develop cancer in their lifetime, and men on average live around 5 years less than women? 🚹

If you don’t have life and critical illness protection, or haven’t reviewed it for a while, please give us a call.



*image credit to https://menshealthmonth.org/mediacenter/social-media-toolkit
As with all insurance policies, conditions and exclusions will apply.

23/05/2024

Thinking of using a remortgage to pay off your credit cards and debts? 🏠💳

It can be a savvy financial move for some, but it's not without its drawbacks. Before you decide, consider the pros and cons:

Pros:

✅ Lower Interest Rates - A remortgage could offer a lower interest rate compared to high-interest credit cards, potentially saving you money in the long run.

✅ Single Monthly Payment - Simplify your finances with one manageable monthly payment instead of several.

✅ Improved Cash Flow - Free up some monthly income by reducing the amount you pay towards debts.

Cons:

❗ Long-Term Costs - Spreading the repayment over the term of a mortgage could mean paying more interest over time.

❗ Home at Risk - Remember, you're securing debt against your home. If you can't keep up with payments, your home may be at risk.

❗ Fees - Watch out for any fees associated with remortgaging that might impact the cost benefits.

Think carefully and seek financial advice to make sure it's the right step for your situation.

Need more info? Drop us a message or comment below! 👇



You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

30/04/2024

How long does the whole remortgage process take from start to finish?

The remortgage process typically takes from 4 to 8 weeks after you apply. However, it can take longer so it’s a good idea to factor in extra time.

We advise that we lock in a deal for you around 6 months before your current deal is due to end. If rates go up during those 6 months, you can sit happy knowing that you have the deal we locked in for you 6 months ago! 😊



You may have to pay an early repayment charge to your existing lender if you remortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.