The Mortgage Compass Ltd

The Mortgage Compass Ltd I offer a holistic mortgage and protection service for home owners and property buyers. I look forward to working with you!

I've been very proud to have run my own self-employed business for the past 6 years under various networks, however I am extremely excited to be launching my own branded business on 15th November 2023 delivering the same excellent results and services for my existing and future clients. Watch out for updates and posts and feel free to connect if you have any questions regarding mortgages or protection or the house buying process.

📣 **Landlords: May 2026 is closer than it looks.**If you want to protect your rental income and reduce risk, now is the ...
03/13/2026

📣 **Landlords: May 2026 is closer than it looks.**
If you want to protect your rental income and reduce risk, now is the time to prepare.

✅ Tenancy review
✅ Rent process review
✅ Compliance audit
✅ Documentation tidy-up

📩 Want help getting your portfolio ready? Send a message — happy to talk it through.

🚫 **Top 5 mistakes landlords will make under the 2026 reforms:**1. Trying to use old Section 21 templates2. Informal ren...
03/11/2026

🚫 **Top 5 mistakes landlords will make under the 2026 reforms:**

1. Trying to use old Section 21 templates
2. Informal rent increases
3. “No pets” policies with no reasoning
4. Advert wording that breaks the new rules
5. Poor repair records and missing documentation

The good news? Every one of these is fixable *now*.

✅ **Landlord readiness check (quick quiz)**If May 2026 arrived tomorrow, could you answer these confidently?1. How would...
03/09/2026

✅ **Landlord readiness check (quick quiz)**
If May 2026 arrived tomorrow, could you answer these confidently?

1. How would you regain possession without Section 21?
2. How do you raise rent correctly under the new rules?
3. Are your adverts compliant (no bidding, no blanket bans)?
4. Are your tenancy records clean and complete?

If any of those feel shaky — you’re not alone.

📩 Message us “CHECK” and we’ll send a landlord action checklist.

🔍 **More is coming after May 2026.**Even if not all changes hit on day one, landlords should prepare for:📌 A private ren...
03/05/2026

🔍 **More is coming after May 2026.**
Even if not all changes hit on day one, landlords should prepare for:

📌 A private rented sector database
📌 A landlord ombudsman
📌 Stronger property condition standards

Landlords who plan now will avoid expensive scramble later.

🧾 **From May 2026: paperwork becomes protection.**With the new rules, landlords should tighten up:✅ Tenancy documentatio...
03/03/2026

🧾 **From May 2026: paperwork becomes protection.**
With the new rules, landlords should tighten up:

✅ Tenancy documentation
✅ Rent records
✅ Communication logs
✅ Inspection notes
✅ Repair response times

The best landlords will treat their rental like a business — because legally, it’s moving that way.

🏠 **Myth-busting: Landlords can still regain possession after May 2026.**The change is *how*.Instead of Section 21, you’...
03/01/2026

🏠 **Myth-busting: Landlords can still regain possession after May 2026.**
The change is *how*.

Instead of Section 21, you’ll need:
📌 The correct ground
📌 Correct notice
📌 Evidence
📌 Clean compliance records

The landlords who struggle will be the ones relying on “informal” arrangements.

⚠️ **Landlord advert warning.**Blanket bans like:❌ “No benefits”❌ “No children”…are being pushed out under the new refor...
02/27/2026

⚠️ **Landlord advert warning.**
Blanket bans like:
❌ “No benefits”
❌ “No children”

…are being pushed out under the new reforms.

Even if you don’t mean harm, the *wording* of listings and how applicants are handled could become a compliance risk.

If you use an agent, make sure they’re aligned too — because it’s still your property.

🐾 **Pets are changing.**Tenants will gain a stronger right to request pets — and landlords will need to consider it **re...
02/25/2026

🐾 **Pets are changing.**
Tenants will gain a stronger right to request pets — and landlords will need to consider it **reasonably**.

You *can* still refuse in some cases — but blanket “no pets” policies will become much harder to defend.

Pro tip: now is the time to check your insurance options for pet damage cover.

📢 **Rental bidding is being banned.**You’ll need to advertise the rent clearly — and you *won’t be allowed* to invite or...
02/23/2026

📢 **Rental bidding is being banned.**
You’ll need to advertise the rent clearly — and you *won’t be allowed* to invite or accept offers above the listed price.

That includes:
❌ “Best and final offers”
❌ “Rent may go higher”
❌ “Make an offer”

Landlords: this will affect pricing strategy more than people realise.

💷 **Rent rises are getting tighter.**Under the new rules, landlords will generally need to:✅ Increase rent **once per ye...
02/21/2026

💷 **Rent rises are getting tighter.**
Under the new rules, landlords will generally need to:

✅ Increase rent **once per year only**
✅ Use the **Section 13 process**
✅ Give proper notice (usually **2 months**)

This is one of the areas where landlords will get caught out — especially if you’ve been doing informal rent changes.

🎉 **BIG congratulations to our final nominees for the BNI Awards Charity Gala Evening!** 🎉A huge shoutout to these amazi...
02/19/2026

🎉 **BIG congratulations to our final nominees for the BNI Awards Charity Gala Evening!** 🎉

A huge shoutout to these amazing members who’ve made a real difference in our chapter and have been nominated for **Best Member in the Chapter** 🏆✨

👏 **Gordon Brown**
👏 **Narcisz Sweeney**
👏 **Tom Lockhart**
👏 **Scott Hall**
👏 **Vicky Gallagher**

We’re so proud of you all — what an achievement! 🙌💛

📅 **Fixed-term ASTs are being replaced.**From **1 May 2026**, tenancies move to a **single system: rolling periodic cont...
02/19/2026

📅 **Fixed-term ASTs are being replaced.**
From **1 May 2026**, tenancies move to a **single system: rolling periodic contracts**.

That means:
🔁 No “end date”
📝 Different rules on notices
⚖️ More reliance on correct grounds & evidence

If your current tenancy strategy relies on fixed terms… now is the time to adjust.

Address

2-3 St John Street
Saint John, NB
PE92DA

Opening Hours

Monday 9:30am - 7pm
Tuesday 9:30am - 7pm
Wednesday 9:30am - 7pm
Thursday 9:30am - 7pm
Friday 9:30am - 3:30pm

Telephone

+447425895528

Website

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