Novus Financial Solutions

Ever heard of SVR and thought “that will not be me” 😅

SVR stands for Standard Variable Rate. It is the lender’s default rate and it can be a nasty surprise if your fixed deal ends and you do not move onto a new product.

Here is how people get caught out
✅ Fixed rate ends
✅ Life is busy
✅ You mean to sort it next week
✅ Suddenly you are on the lender’s SVR

What we recommend instead
📅 Start the review around 3 to 6 months before your deal ends
🔍 Check the market and lender options properly
🧭 Pick a mortgage that fits your plans, not just today’s payment

If you are not sure when your rate ends, we can help you figure it out.

👉 Start here: novusfinance.co.uk

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

Getting ahead of your mortgage plans is one of the simplest ways to protect yourself from unnecessary stress and last-minute surprises.

At NOVUS, we start working with clients months before their deal ends so we can track market movements, explore options, and take proactive steps to secure the right outcome.

It’s not about guessing where rates will go. It’s about minimising risk and keeping you in the strongest position possible.

If you want a smoother mortgage journey next year, now’s the time to start the conversation.

Follow our page for more tips and updates.

With the global uncertainty we are seeing at the moment, financial markets are reacting and that includes UK swap rates.

Over the last few days, both 2 year and 5 year swap rates have moved higher. These are the wholesale rates lenders use when pricing fixed mortgages. When they rise, it can increase the cost for lenders to secure funding, which may influence fixed mortgage pricing.

Swap rates are not the rate you are offered, but they are a strong indicator of where mortgage pricing could head next.

What does this mean in practice?

If you are:
• Coming up to remortgage
• Thinking about securing a new fixed rate
• Purchasing a property in the next few months

Timing and strategy matter more than ever.

At Novus, we monitor market movements daily and speak directly with lenders and senior contacts to understand how changes may feed through to product pricing. Our role is to interpret what is happening and help you make a decision that supports your longer term plans, not just react to headlines.

Our intent is simple. To proactively guide our clients through market shifts and secure the most suitable outcome for their circumstances.

If you would like to review your position or sense check your options, now is a sensible time to have that conversation.

Message us directly or book a consultation to discuss your mortgage strategy.

Good for climbing, bad for finance 🧗‍♂️💸

Knots belong on ropes, not in your mortgage.

We see it all the time
You grab a deal quickly, tick the boxes, and move on… then later you realise you have tied yourself into something that is hard to undo.

A few common “knots”
🔗 Fixing for the wrong term because it looks cheapest today
🔗 Choosing a product that does not match your future plans
🔗 Missing key dates and ending up on an expensive follow on rate
🔗 Not thinking through how life changes might affect affordability later

Proper mortgage advice is not just about getting you a rate. It is about planning, asking the right questions, and taking the time to do the job properly.

That is what we do at Novus. We build a mortgage plan that fits your goals, not a quick fix that creates headaches later 🙂

If you want a mortgage you can live with, let us help untangle it 👇
novusfinance.co.uk

Self-Employed and Looking for a Mortgage? 🧾🏡
Here’s What You Should Know

Getting a mortgage when you’re self-employed, contracting, or running your own business can feel tough — but the right advice makes all the difference.
At NOVUS, we specialise in helping clients whose income isn’t as simple as PAYE. Sole traders, limited company directors, freelancers, day-rate contractors — we know how to present your case to lenders who actually understand your situation.

If this is you, it pays to know:
📊 Lenders assess self-employed income very differently
🧮 Contractor day rates can unlock far higher affordability
🏢 Company directors may be able to use retained profits
📁 The right documents and explanations can transform an application
📞 A whole of market broker can open doors restricted panels can’t

We break it all down in our latest blog — from what lenders look for, to how we build strong cases for clients turned away elsewhere

Thinking about applying soon?https://novusfinance.co.uk/self-employed-and-looking-for-a-mortgage-heres-what-you-need-to-know/

The mortgage process can feel overwhelming 😰, but with the right support it doesn’t have to be.

Ajay and the team guided this client smoothly from start to finish ✅, making what could have been stressful feel effortless. It’s all about making complex decisions simple and giving clients the confidence that everything is taken care of.

Not all mortgage journeys are straightforward 🔑 – but that’s where Novus makes the difference.

Jon and the team recently supported a client through a particularly complex remortgage, going above and beyond 💡 to ensure the best possible outcome.

No matter how challenging the circumstances, we’re committed to finding solutions that work.

At Novus, we believe mortgage advice should never be a one-off transaction – it’s about building long-term relationships 🤝.

Mark & Emily have worked with this client across multiple mortgages, always ensuring they secured the most suitable deal 🏡. Their dedication shows the value of having trusted advisors on your side, every step of the way.

Whether it’s a residential purchase 🏠 or an investment property 💼, every client deserves clear, honest advice.

Ajay and the Novus team pride themselves on providing practical, professional guidance that makes even complicated portfolio decisions easier. It’s this kind of tailored support that keeps clients coming back to us time and again.