Current BoE base rate 3.75% Inflation (CPI) 2.9% as at Jul 2026 · next review 17 Sep · sources: Bank of England & ONS
Impartial mortgage & protection advice

Straightforward,
honest mortgage advice.

Buying, moving or remortgaging — made simple. Clear guidance, access to a range of lenders, and a real person alongside you at every step.

Range of UK lenders
Access across a range of lenders, not one bank
Impartial
Clear advice, not a sales pitch
Regulated
Appointed representative of Sesame Ltd
UK-wide
Helping clients across the UK

A selection of the lenders we work with

HSBC
Barclays
Nationwide
Halifax
Lloyds Bank
NatWest
Pepper Money
Aldermore
UK rates at a glance

Where rates stand today

Current
Bank of England base rate
3.75%
Held on 30 July 2026 · next review 17 September 2026
Current
UK inflation (CPI)
2.9%
12 months to July 2026 · Bank of England target 2%

Sources: Bank of England & Office for National Statistics. Figures reviewed September 2026 and updated when they change.

What we do

Advice for every stage of the journey.

Whether you're just beginning your search or you've already found the property, there's a service here for you.

01

First-Time Buyers

Buying your first home can feel overwhelming. We'll help you understand your options and secure a mortgage that suits you.

Learn more →
02

Home Movers

Moving comes with plenty to think about. We'll make the financing side of your move as straightforward as possible.

Learn more →
03

Remortgages

Deal ending, or looking to borrow more? We'll help you review your options and find the right fit.

Learn more →
04

Buy-to-Let

From a first investment property to expanding a portfolio, we'll guide you through the lending landscape.

Learn more →
05

Protection Insurance

A mortgage is a big commitment. Protection can provide security for you and your loved ones, whatever happens.

Learn more →
06

Agreement in Principle

An estimate of what you could borrow — and a signal to estate agents that you mean business.

Learn more →
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Millwood

Advice built on four simple values.

01

Transparency

Clear, honest advice. We explain your options plainly and keep you informed throughout.

02

Personal Service

We take the time to understand your circumstances, goals and concerns.

03

Trust

Lasting relationships built on reliability, professionalism and doing what's right.

04

Respect

Every client treated with care, understanding and respect.

How it works

Three steps to confident decisions.

STEP 01

An initial conversation

We get to know you, your plans and your circumstances — no jargon, no pressure.

STEP 02

Reviewing your options

We search from a range of lenders and explain the choices that genuinely suit you.

STEP 03

Securing your mortgage

We handle the application end-to-end and stay alongside you to completion.

Good to know

Common questions.

Support if you need it

Worried about mortgage payments?

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

Ready to start your mortgage journey?

A simple, confidential way to take the next step. No pressure, no jargon — just structured advice when you need it.