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Sean Wilkins
Marketing Director
Marketing Director


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Call me today on free phone 0800 612 0466

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Red Brick Mortgages & Protection
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As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Mortgage rates and offer will be subject to status

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Commercial and Residential Bridging Loans.

Contact me for a very competitive rate!
All Cases Considered

Telephone 01289 388 736

Red Brick Mortgages.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Mortgage rates and offer will be subject to status

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Whether remortgaging or buying contact me for a very competitive rate!
No Minimum income required

Telephone 01289 388 736

Rebecca Wilkins​
Red Brick Mortgages.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Mortgage rates and offer will be subject to status

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First Time Buyer
Competitive rates and Fees!

Call me on 01289 388 736 or contact me on FaceBook

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RedBrick Mortgages

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments
Mortgage rates and offer will be subject to status

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Having great success with Facebook marketing - can anyone recommend another platform that targets audiences with such precision

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Do not tell me what to do, Mark Carney warns Theresa May Bank of England Governor Mark Carney
Bank of England Governor Mark Carney CREDIT: JOSE LUIS MAGANA/AP

Peter Dominiczak Laura Hughes Szu Ping Chan
15 OCTOBER 2016 • 12:10AM
Mark Carney said on Friday that he would not “take instruction” from politicians after Theresa May warned that there had been “bad side effects” due to Bank of England policies.

In comments which risk an unprecedented clash between the Governor of the Bank of England and the Prime Minister, Mr Carney said that “it can be difficult sometimes if there are political comments on our policies”.

His remarks come just days after Mrs May used her speech to the Conservative conference to criticise the Bank over quantitative easing and ultra-low interest rates.

Theresa May gives her speech on the final day of the annual Conservative Party Conference
Theresa May gives her speech on the final day of the annual Conservative Party Conference CREDIT: REUTERS/DARREN STAPLES
Conservative MPs have repeatedly criticised Mr Carney over his dire economic warnings ahead of the European Union referendum.

On Friday night Tory backbenchers described his comments as “nonsense” and said that the Governor should not be “picking a fight” with the Prime Minister.

Speaking in Birmingham, Mr Carney said: "Politicians have done a very good job of setting up the system. Where it can be difficult sometimes is if there are political comments on our policies as opposed to political comments on our objectives.

Theresa May's conference speech: Come with me and together let's seize the dayPlay! 01:50
"The objectives are what are set by the politicians. The policies are done by technocrats. We are not going to take instruction on our policies from the political side."

Mrs May said in her party conference speech: “While monetary policy – with super-low interest rates and quantitative easing – provided the necessary emergency medicine after the financial crash, we have to acknowledge there have been some bad side effects.

"People with assets have got richer. People without them have suffered. People with mortgages have found their debts cheaper. People with savings have found themselves poorer.

A Union Jack flies above the Bank of England
A Union Jack flies above the Bank of England CREDIT: JASON ALDEN/BLOOMBERG
"A change has got to come. And we are going to deliver it."

The Governor also used his appearance in Birmingham to say that inflation will rise on products such as food because of the fall in the value of the pound.

In the wake of the price row between Unilever and Tesco, Mr Carney said food prices will rise and it is “going to get difficult”.

Carney: Banks have 'no excuse' not to pass on interest rates cutPlay! 00:32
Mr Carney, who was hired by former chancellor George Osborne, was vocal in warning about the risks of leaving the EU and suggested Brexit could lead to a recession.

Bernard Jenkin, the head of the Public Administration Select Committee, told the Telegraph: "The pursuit of quantitative easing is a matter for the government, which is why Mr Carney wrote to the Chancellor to ask his permission to pursue that policy.

"Monetary policy is a shared responsibility with the government and the idea that the Bank of England is completely beyond democratic accountability is a nonsense.

Bernard Jenkin MP
"Why is the bank governor picking a fight with the Prime Minister? What's his real agenda?"

Steve Baker, the Conservative MP for Wycombe, said: "These testy comments from the Governor are unwarranted.

"He and other MPC members have admitted monetary policy is redistributive so of course his work is fundamentally political."

Jacob Rees-Mogg, the Tory MP for North East Somerset, said: "It's very important that the Governor is independent.

Bank of England Governor Mark Carney (left) dips a new plastic £5 note into a tray of food
Bank of England Governor Mark Carney (left) dips a new plastic £5 note into a tray of food CREDIT: STEFAN WERMUTH/PA WIRE
"Unfortunately during the Brexit campaign he was not independent, he spewed forth propaganda for George Osborne's position and that I'm afraid has totally undermined his independence, to try and reassert it now is too late. It's just a pity he hasn't been independent before."

Meanwhile, it emerged that Mrs May is to visit one EU leader every five days over the next 10 weeks to press Britain's case for Brexit ahead of the crucial December EU council meeting.

Mrs May on Friday in Downing Street met all of Britain's ambassadors to the other 27 EU member states to discuss their assessment of the individual countries' attitudes to Brexit.

She told them to tell EU leaders that Britain is committed to Brexit and that getting control of UK borders is a red line in any exit negotiations.

And Michel Sapin, the French finance minister, on Friday risked anger by saying US banks have told him that they are preparing to move some operations from London to other EU cities because of Brexit.

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Commercial Watch: Healthy competition for investors

By Jane Simpson 20th October 2016 1:23 pm
Jane Simpson TBMC 2016

Despite all the changes, the choice for property investors of all sizes is wider and more competitive than it’s been in ages

Property investors in the UK have experienced numerous changes over the past 12 months – relating to the properties themselves, the funding market and general taxation – which may have affected their returns significantly.

For example, changes to stamp duty land tax for purchases of additional properties resulted in a huge upsurge in residential property investment cases looking to complete before the end of the tax year.

We continue to see more clients looking at capital raising and re-investment in their existing properties, including straightforward remortgage to a higher loan-to-value and undertaking refurbishments to obtain better returns. All of this, of course, is designed to squeeze every last penny of return from existing stock.

The funding market for this type of activity has perhaps been the fastest growing in the past couple of years anyway; it certainly appears to have been spurred on by these events.

Mortgage interest


inRead invented by Teads

The Treasury also announced its intention to cut mortgage interest tax relief for buy-to-lets held in personal names.

Almost immediately we saw a substantial increase in enquiries about funding transfers to limited company ownership, specifically gifted equity in such situations, and from investors seeking to move multi-component debt from various lenders to a single funder.

Not affecting everyone – but of sufficient impact to be of particular note – increasing downward pressure on rental yields in certain prime areas meant clients were no longer able to achieve the same levels of borrowing they had previously enjoyed. For us, at least, this has caused a big proportional increase in enquiries regarding investments other than specialist residential, with an increased focus on HMO, semi-commercial and commercial investment opportunities.

While lender rates can be higher – often due to the resultant cost of funds from higher regulatory capital adequacy requirements for certain property types, including most commercial stock – average rental yields on such assets tend to top that. In many cases, this can counteract higher pricing.


In terms of the funding market itself, we have seen an ongoing stabilisation of lenders that emerged subsequent to the crash, with many of those predominantly financing specialist residential and commercial property.

Their increasing market share, arising from a combination of their maturing as lenders plus this stabilisation and further resultant competition, has contributed to a healthy reduction in overall lender pricing.

This, in turn, provides real options for investor borrowers – from the more mainstream funders that have reacted to the higher competition levels, the so-called challenger banks that are arguably now more mainstream than the term implies, and continued new and aggressive entrants.

So in spite of all the changes to our market, the choice for property investors of all sizes is wider and more competitive than it has been for some time, and certainly since events of the late 2000s.

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BTL mortgage market growth of 50 per cent predicted to slow
By Rebekah Commane 5th October 2016 4:09 pm

The buy-to-let market grew nearly 50 per cent in the past year, according to the latest IRESS survey, although growth is predicted to slow as tax changes in the sector take effect.

Further findings of the Mortgage Efficiency Survey 2016 revealed that first-time buyer growth was negligent, up just 0.7 per cent, while home mover mortgages fell by 5.6 per cent.

It was revealed that the intermediary channel continues to see the lion’s share of the mortgage market, with 82 per cent of sales now going through this channel and almost three quarters (70 per cent) of lenders experiencing an increase in the number of applications submitted by brokers over the last year.

The direct channel continued to decline across branch and telephony, although sales via the internet increased, albeit from a low base. The internet channel remains a relatively small part of distribution, but as new digital entrants and so called “digital” brokers enter the market, this channel could double in the next 18 to 24 months.

IRESS principle mortgage consultant Henry Woodcock says: “The most significant finding in the survey is the continued rise of the buy to let market. This sector has increased by more than 213 per cent over the five years since the first IRESS Mortgage Efficiency Survey, but with the recent change of taxation around investment purchases for landlords, it seems unlikely that this stellar growth will continue.


inRead invented by Teads

“In the last year, loans to first time buyers have been fairly flat, suggesting that despite government incentives and innovative products offered by lenders, the struggle to get on the housing ladder remains a significant challenge.”

The survey results show that the impact of the Mortgage Market Review (MMR) is still apparent, with average number of days to offer, a key measure of efficient customer service, significantly higher than pre MMR levels, although there has been a slight improvement over last year.

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Number of BTL products hits three-year low, says Mortgages for Business
By Rebekah Commane 12th October 2016 4:46 pm

The average number of buy-to-let mortgage products available in the market has fallen for the first time in three years, according to the findings of the Complex Buy to Let Index.

The Index, compiled by Mortgages for Business, found that in Q3 of this year there were an average of 1,120 BTL products on the market, down 5 per cent on Q2 and the lowest level since Q3 2013.

The results also revealed that remortgages again outstripped purchases in all categories of BTL, as landlords move to avoid reverting onto their lender’s standard reversion rate.

Mortgages for Business managing director David Whittaker says: “Although product numbers have fallen slightly there is still in excess of 1,000 products out there – plenty of choice for landlords.

“I imagine product numbers will remain fairly stable for the next 12 months, at least until we see some new lenders enter the market.”


inRead invented by Teads

Over the five years since the index was launched, the study found little change in the average loan to value from quarter to quarter, the current average being 67 per cent across all property types.

For vanilla buy to lets, average property values and loans amounts continue to rise in proportion with each other, whilst the reverse was found for HMOs and multi-units, which have both seen the average loan size decrease in the last five years.

Whittaker says: “I can see two main reasons for this reduction in loan amount, one of which being that smaller, less expensive HMOs and multi-units are being financed in areas of higher property prices. The second reason is that in areas of the country where property prices remain low, there has been an increase in purchases and subsequently refinancing of HMOs and multi-units.

“I’ve no doubt this increase in HMO and multi-unit purchases comes down to the growing demand for smaller, less expensive rental accommodation accompanied by the higher yields they tend to produce.”
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