Perkins First Financial Solutions

Perkins First Financial Solutions Mortgage & Insurance Specialists Based in Nottingham and Derby Registered office Derby Road, Eastwood, Nottingham, NG16 3PA. Registered company number 13730047.

Jess has 20 years of experience as a mortgage & protection broker, helping people to achieve their dreams by providing a bespoke service tailored to their needs. Whether you are looking to purchase a property, move house, re-mortgage, or review your protection needs, Jess is here to help throughout every stage of the mortgage and protection process, and aims to provide peace of mind. Perkins First

Financial Solutions Limited is an Appointed Representative of Stonebridge Mortgage Solutions which is authorised & regulated by the Financial Conduct Authority. Registered in England & Wales

The Bank of England has announced that the base rate will remain at 3.75%.If your current rate is due to end in the next...
18/06/2026

The Bank of England has announced that the base rate will remain at 3.75%.

If your current rate is due to end in the next 6 months, please contact a member of the team as soon as possible.

If your fixed rate is not due to end within the next 6 months, this will not impact you until your fixed period ends.

If you would like to discuss your options, simply contact me using any of the methods below 👇

Source: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

"Do I earn enough to buy a home?" 👀🏡It's one of the most common questions I hear, and the answer might surprise you.Many...
16/06/2026

"Do I earn enough to buy a home?" 👀🏡

It's one of the most common questions I hear, and the answer might surprise you.

Many buyers assume they need a huge salary or a massive deposit to get on the property ladder, but that's not always the case.

Every lender has different affordability criteria, and what you can borrow depends on a range of factors, not just your income.

Before ruling yourself out, speak to an expert.

At Perkins First Financial Solutions, we'll assess your circumstances, explain your options, and help you understand what may be possible.

Your dream home could be closer than you think.

Get in touch today and book your mortgage appointment 👇

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

Self-employed and thinking about getting a mortgage? Don't let common misconceptions hold you back 💼One of the biggest m...
11/06/2026

Self-employed and thinking about getting a mortgage? Don't let common misconceptions hold you back 💼

One of the biggest myths is that being self-employed makes it harder to get a mortgage.

While the process can be slightly different, there are plenty of lenders who are happy to consider self-employed applicants.

Here are a few things to keep in mind:
📊 Keep your accounts and tax returns up to date
📅 The more trading history you have, the better
💷 A larger deposit can sometimes improve your options
🤝 Speak to a mortgage adviser early to understand what's possible

Every self-employed situation is different, which is why tailored advice can make all the difference.

Get in touch for expert mortgage advice and let's explore your options 👇

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

How does a remortgage work? 🏡A remortgage is when you switch your current mortgage to a new deal, either with your exist...
09/06/2026

How does a remortgage work? 🏡

A remortgage is when you switch your current mortgage to a new deal, either with your existing lender or a different one.

People choose to remortgage for a number of reasons:
✅ Secure a more competitive interest rate
✅ Reduce monthly payments
✅ Release equity from their property
✅ Borrow additional funds for home improvements
✅ Avoid moving onto their lender's standard variable rate

The process is often simpler than your first mortgage but choosing the right deal can still make a big difference to your finances.

If your current deal is ending soon, now could be the perfect time to review your options.

📞 Get in touch and let’s discuss your options.

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

Overtime can boost your income, but will mortgage lenders count it? 💷🤔The good news is many lenders do consider overtime...
04/06/2026

Overtime can boost your income, but will mortgage lenders count it? 💷🤔

The good news is many lenders do consider overtime pay when assessing affordability. The amount included often depends on:

✔️ How long you’ve been earning it
✔️ Whether it’s regular and consistent
✔️ Your employer and industry
✔️ The lender’s individual criteria

If overtime makes up a big part of your income, it’s important to work with a broker who knows which lenders are most flexible.

I’ll help you understand exactly what can be included in your mortgage application. 🏡

📩 Get in touch for personalised advice.

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

Helping first-time buyers feel confident and supported throughout the process is exactly what I aim for 🏡“Jess was absol...
02/06/2026

Helping first-time buyers feel confident and supported throughout the process is exactly what I aim for 🏡

“Jess was absolutely amazing throughout the whole process and made buying my first house stress free. I would highly recommend her services and will continue to use them”

Thank you for the lovely review, we’re so pleased we could help make your first home purchase feel stress free from start to finish.

If you’re thinking about buying your first home and don’t know where to start, get in touch for friendly, expert advice 📩

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

Do you have £5,000 saved? 🏡That could be enough to get you onto the property ladder with a new £5k Deposit Mortgage for ...
28/05/2026

Do you have £5,000 saved? 🏡

That could be enough to get you onto the property ladder with a new £5k Deposit Mortgage for first-time buyers 🙌

✅ £5,000 minimum deposit*
✅ Fixed-rate repayment mortgage
✅ Available for first-time buyers
✅ Properties between £102k - £300k

* Subject to lender criteria, affordability checks and eligibility. Minimum deposit requirements and available products may vary by lender and applicant circumstances.

If saving for a larger deposit has been holding you back, this could be the opportunity you’ve been waiting for.

Available with selected lenders, such as Lloyds Bank, Halifax and Bank of Scotland.

Get in touch today to find out more 📩

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

27/05/2026

🚩 Applying for a mortgage soon?

Here are some financial red flags lenders may look out for:
❌ Late payments
❌ Maxed out credit cards
❌ Frequent payday loan usage

These can all impact how lenders assess your affordability and reliability when reviewing your application.

The good news? Small financial changes now could improve your chances of mortgage approval later ✅

If you’re unsure where you stand, I can help you understand your options and get mortgage-ready 🏡

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

Is buying cheaper than renting in the long run? 🤔It’s a question many people are asking, especially with rising rents an...
21/05/2026

Is buying cheaper than renting in the long run? 🤔

It’s a question many people are asking, especially with rising rents and changing interest rates.

While renting can offer flexibility, buying a property means your monthly payments are going towards something you own.

Over time, that can help you build equity and create long-term financial stability 🏡

Of course, the right option depends on your circumstances, your plans, and what you can comfortably afford.

The key is understanding the bigger picture, not just the monthly cost.

If you’re weighing up your options and want honest, expert advice, send me a message and I’ll happily talk you through what could be possible for you. 📩

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

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

Ready to take the next step? 📅🏡Whether you’re buying your first home, remortgaging, or just exploring your options, a qu...
19/05/2026

Ready to take the next step? 📅🏡

Whether you’re buying your first home, remortgaging, or just exploring your options, a quick conversation can give you the clarity you need.

No pressure, no jargon, just straightforward advice tailored to your situation.

Booking an appointment is the first step towards understanding what’s possible and putting a plan in place.

Get in touch today to secure a time that works for you 👇

📞 07418 010224
📧 [email protected]
💻 perkinsfirst.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

Address

Alfreton
DE55

Telephone

+447418010224

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