Another week of mixed signals for the mortgage market.
With oil prices rising again, mortgage activity cooling and attention turning to the Bank of England’s November meeting, the outlook remains finely balanced.
Here’s this week’s market update...
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
We’re delighted to welcome Mortgage Brain as joint Headline Sponsor of Mortgage’s Got Talent 2026!
A huge thank you for getting behind this very special event and helping us bring the mortgage industry together for an unforgettable day of entertainment, networking and fundraising for some fantastic causes.
We’re thrilled to have you on board.
#MortgagesGotTalent #MortgageForce #MortgageIndustry #MortgageCommunity
New 2.5% Deposit Scheme Announced for First-Time Buyers...
The Government has announced plans for a new scheme aimed at helping first-time buyers purchase a home with a deposit of just 2.5%.
The proposed Your First Home scheme is expected to include a government-backed equity loan and follows the previous Help to Buy scheme, which was used by more than 328,000 first-time buyers.
It sounds like positive news for those struggling to save a larger deposit, but for now, it remains a pledge. Further details, including eligibility, costs and importantly when the scheme will actually begin, are still to be confirmed.
So, why wait?
If your deposit is the thing holding you back, it may be worth finding out what`s possible now as there are already mortgage options available that could allow eligible first-time buyers to purchase with a very small deposit, or even no deposit at all.
These options won`t suit everyone and lending criteria apply, but speaking to a mortgage adviser could help you understand whether buying your first home is closer than you think.
Thinking about taking your first step onto the property ladder?
Visit our First-Time Buyer section to find out more and speak to one of our advisers - link in bio.
Walter takes a look at last week`s events...
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
Thank you to @furnessbuildingsociety @leedsbuildingsociety and @hsbc_uk for joining us today at our first Derby Broker Meeting following the summer break. As always these meetings are key to us staying up to date so we can best help our clients.
Www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
Walter takes a look at what happened this week, and what it could mean for borrowers as we head further into autumn.
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
A week that combined an important conversation with a little celebration too.
On Tuesday, our MD Kevin Duffy joined the Mortgage Industry Mental Health Charter (MIMHC) Think Tank at The Belfry, discussing mental health and wellbeing across our industry, and, importantly, how we can turn awareness into meaningful, practical support.
It’s easy to understand why this work matters. Our industry regularly supports people through some of life’s most stressful experiences...moving home, financial pressures, bereavement and relationship breakdowns. While our focus is naturally on helping our clients navigate those situations, we also need to recognise the impact that emotionally demanding work can have on the people supporting them.
The MIMHC is helping to keep that conversation moving forward, encouraging businesses to think proactively about wellbeing, giving people the tools and confidence to recognise when someone may need support, and creating a more connected industry where people look out for one another.
We’re proud to support such an important initiative and to be part of the conversation.
Following the Think Tank, some of the Mortgage Force team were delighted to join the MIMHC table at the Mortgage Strategy Specialist Lenders Awards... a fantastic evening and a great opportunity to catch up with friends and colleagues from across the industry.
Important conversations by day, celebrations by night, a day well spent.
#MIMHC #MentalHealth #MortgageIndustry #MortgageForce #SpecialistLending #WorkplaceWellbeing
Grey skies outside, but definitely no grey thinking inside!
Yesterday we headed to Birmingham for our latest broker CPD session, hosted by HSBC at their Head Office and joined by HSBC, Simplybiz, Legal & General, The Exeter, Royal London and LV=.
The focus was Insurance and Protection...giving our brokers the chance to hear the latest product updates, ask questions and keep their knowledge bang up to date.
Because the more our brokers know, the better equipped they are to help our clients find the protection that’s right for them.
A huge thank you to HSBC for hosting us and to everyone who joined us and shared their expertise.
And of course, no trip to Birmingham would be complete without a little bull spotting…
Visit our website for more information on Insurance and Protection, link in bio.
Another week of mixed signals for the mortgage market.
With oil prices rising again, mortgage activity cooling and attention turning to the Bank of England’s November meeting, the outlook remains finely balanced.
Here’s this week’s market update...
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
We’re delighted to welcome Mortgage Brain as joint Headline Sponsor of Mortgage’s Got Talent 2026!
A huge thank you for getting behind this very special event and helping us bring the mortgage industry together for an unforgettable day of entertainment, networking and fundraising for some fantastic causes.
We’re thrilled to have you on board.
#MortgagesGotTalent #MortgageForce #MortgageIndustry #MortgageCommunity
New 2.5% Deposit Scheme Announced for First-Time Buyers...
The Government has announced plans for a new scheme aimed at helping first-time buyers purchase a home with a deposit of just 2.5%.
The proposed Your First Home scheme is expected to include a government-backed equity loan and follows the previous Help to Buy scheme, which was used by more than 328,000 first-time buyers.
It sounds like positive news for those struggling to save a larger deposit, but for now, it remains a pledge. Further details, including eligibility, costs and importantly when the scheme will actually begin, are still to be confirmed.
So, why wait?
If your deposit is the thing holding you back, it may be worth finding out what`s possible now as there are already mortgage options available that could allow eligible first-time buyers to purchase with a very small deposit, or even no deposit at all.
These options won`t suit everyone and lending criteria apply, but speaking to a mortgage adviser could help you understand whether buying your first home is closer than you think.
Thinking about taking your first step onto the property ladder?
Visit our First-Time Buyer section to find out more and speak to one of our advisers - link in bio.
Walter takes a look at last week`s events...
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
Thank you to @furnessbuildingsociety @leedsbuildingsociety and @hsbc_uk for joining us today at our first Derby Broker Meeting following the summer break. As always these meetings are key to us staying up to date so we can best help our clients.
Www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
Walter takes a look at what happened this week, and what it could mean for borrowers as we head further into autumn.
www.mortgageforce.co.uk
info@mortgageforce.co.uk
01332 900789
A week that combined an important conversation with a little celebration too.
On Tuesday, our MD Kevin Duffy joined the Mortgage Industry Mental Health Charter (MIMHC) Think Tank at The Belfry, discussing mental health and wellbeing across our industry, and, importantly, how we can turn awareness into meaningful, practical support.
It’s easy to understand why this work matters. Our industry regularly supports people through some of life’s most stressful experiences...moving home, financial pressures, bereavement and relationship breakdowns. While our focus is naturally on helping our clients navigate those situations, we also need to recognise the impact that emotionally demanding work can have on the people supporting them.
The MIMHC is helping to keep that conversation moving forward, encouraging businesses to think proactively about wellbeing, giving people the tools and confidence to recognise when someone may need support, and creating a more connected industry where people look out for one another.
We’re proud to support such an important initiative and to be part of the conversation.
Following the Think Tank, some of the Mortgage Force team were delighted to join the MIMHC table at the Mortgage Strategy Specialist Lenders Awards... a fantastic evening and a great opportunity to catch up with friends and colleagues from across the industry.
Important conversations by day, celebrations by night, a day well spent.
#MIMHC #MentalHealth #MortgageIndustry #MortgageForce #SpecialistLending #WorkplaceWellbeing
Grey skies outside, but definitely no grey thinking inside!
Yesterday we headed to Birmingham for our latest broker CPD session, hosted by HSBC at their Head Office and joined by HSBC, Simplybiz, Legal & General, The Exeter, Royal London and LV=.
The focus was Insurance and Protection...giving our brokers the chance to hear the latest product updates, ask questions and keep their knowledge bang up to date.
Because the more our brokers know, the better equipped they are to help our clients find the protection that’s right for them.
A huge thank you to HSBC for hosting us and to everyone who joined us and shared their expertise.
And of course, no trip to Birmingham would be complete without a little bull spotting…
Visit our website for more information on Insurance and Protection, link in bio.
all staff profiles
Kevin
- Graduate entrant at natwest before moving on to John Charcol , Savills , Hamptons , Robert Sterling , Square Mile and been MD of 4 industry businesses.
Ricki
- Ricki joined Mortgage Force in 2016 due to increased client demand and became Director of the firm in 2021. He provides mortgage and protection advice to clients across Cambridge and the surrounding areas.
Walter
- I began my career in the mortgage industry at John Charcol after graduating in 1983 with a 2:2 in Law & Politics. Over the years, I held a variety of roles across sales and operations, eventually serving as Managing Director.
Suzanne
- I started my Financial Career over 35yrs ago at Nationwide Building Society where I spent 20yrs and had various roles including Customer Service Manager and Mortgage Underwriter.
Michelle
- With a career in financial services spanning back to the early 1990s, I began my professional journey as an Executive Financial Planning Manager at HSBC.
Emma
- With over 20 years of experience in the mortgage industry, I’ve built my career around helping people feel empowered throughout their home-buying journey. Mortgages have always been my professional world—it’s what I know best!
AJ
- With over 20 years of experience in mortgage brokering, an MA in Economics, and a CeMap qualification, I'm fully certified to provide regulated mortgage advice in the UK.
Paul
- With over 25 years of experience in the financial services industry, I am a fully qualified Independent Financial Adviser specialising in mortgages, equity release, and protection
Lorraine
- With over three decades of experience in the financial services industry, I bring both deep expertise and heartfelt dedication to helping clients navigate the mortgage process.
Michelle
- Michelle joined Mortgage Force in 2018, having previously worked in a mangerial role with The Derbyshire and Nationwide Building Society.
Silvia
- I have worked in the mortgage industry for over 30 years, primarily in a supporting capacity across a wide range of roles.
Ann
- Started in accountancy at age 16 (& still here 40 odd years later) initially in practice but soon moved into industry as prefer the everyday variety.
Rachel
- I worked at The Nottingham Building Society for over 10 years before joining Mortgageforce. My role was mainly taking NRAM/MXBBG/West Brom leads and allocating them to the advisers.
Martin
- Nearly 20 years with company, done virtually every role within the finance department over that time working my way up to FC. Derby County season ticket holder for 29 years.
Warren
- Warren joined Mortgage Force in 2019, having previously worked as a residential mortgage broker for one of the UK’s leading estate agency groups. He supports Cambridge clients with home purchases and remortgages.
Zak
- Zak specialises in first time buyer mortgages, next-time buyers, remortgages and buy to let mortgages. He regularly helps first time buyers in Cambridge navigate their first purchase with confidence.
Pete
- Pete has over 30 years’ experience in financial planning and now specialises in mortgage and protection advice, including equity release solutions for homeowners in Cambridge and beyond.
Yasmin
- I have worked in finance functions for over 10 years, I previously worked for Wowcher, Breedon Trading plc and MAB. Working for Mortgage Force is my favourite of course, I can see the effect my efforts have on the business compared to places I have worked previously.
Carrie
- Carrie has worked for Mortgage Force since 2004, having previously worked in the banking sector. She ensures mortgage applications run smoothly from submission through to completion.
Sam
- Sam joined Mortgage Force in 2024 after spending 15 years with Lloyds Banking Group. He advises Cambridge clients on residential mortgages, including first time buyer applications.