Martin Lewis, 46, is helping Britons save money this Christmas with the best deals on the market.
His live Money Show explained some of the top ways to hold the pennies during the festive season.
The expert revealed how the nation can Brexit-proof their finances following the current government instability ahead of the country leaving the EU after a number of MPs resigned last week.
He explained how personal finances should be looked at ahead of March 2019 in relation to getting a mortgage before the UK leaves.
Buying a new property and the impact on mortgage rates
Martine Lewis said: “The first thing to say is the only thing that is certain right now is the uncertainty.”
He explained how markets work on “perception” which impacts rises and falls.
“Mortgage rates are related to interest rates,” he explained.
“The complicated things about interest rates under Brexit is that we don’t know if it will be a no-deal or a deal.
“As markets don’t like a no-deal, this means it will drop. As rates come down the pound will drop.
“If the pound drops, imports get more expensive, means inflation goes up, and interest rates go up.”
“If we get a deal, things are more likely to be smoother.”
However, he reiterated it is a “long way of saying I don’t know.”
“As we know we don’t know, we need to look at the current situation. which is mortgages at an all-time low.
“You won’t save that much on waiting but there is a risk of them going up.”
“If you are looking to get a mortgage now, rates are cheap now – it is a good time to get a mortgage.”
Martin also touched upon house prices and whether they could also fall after the UK leaves the EU.
“The Bank of England said in a no-deal we could have a 40 per cent drop which I believe is overblown,” he said.
“House prices are bizarre as we see a fall is a bad thing.
“Those who can’t get on the ladder will be able to afford. Those upsizing can get cheaper houses. Those who are selling and going smaller miss out.”