Lynton Mortgages - Alsager's Fee Free Mortgage Brokers

02/11/2026

Would I still recommend Alsager to someone buying their first home?

I grew up there. Highfields Primary School, then the comp and sixth form. After school we played football on Sunnyside, where Barrington Park is now. Later it was quiz nights at the Poachers on Mondays and Thursdays, and karaoke at the Plough on Wednesdays and Fridays. Lots if memories of Alsager. My town.

Alsager has changed. More houses, more cars, harder to park. Sometimes, I do miss the quieter version of it.

But yes, I still think it is a great place to buy your first home or bring up a family.

The chip shop is still in the same family and just as good. Taking chips down to the Mere is still the thing to do. The lights switch-on, the music festival, the Salt Line, the Lodge on a Friday night. Those things are still there.

The community, the schools, the sense of belonging - those are things I would think about just as much as the house itself when choosing where to buy. They are harder to put a number on, but they matter.

What would you tell someone thinking of buying their first home in Alsager?

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

01/11/2026

Hi, I'm Rob, the adviser behind Lynton Mortgages in Alsager.

I grew up here. I went to Highfields Primary and then Alsager School. These days I run my own mortgage business in the same town, which still feels like the right place to be.

I'm the person you'll speak to when you come to Lynton Mortgages for advice - its about providing that personal service to local people.

At home there's Elle, my wife, and our two children, Ashton and Lottie. Bert and Monty are the dogs. As a family we like getting out - the Lake District, Anglesey, the Peak District, or a week somewhere warm if we can manage it.

I've been qualified in mortgages for 23 years. A long time, and a lot learned. Running my own business means I get to decide how I spend that experience. I want it to go into listening properly, explaining the options clearly, and helping people buy a home they can actually enjoy living in.

I'll use this page to share what I know. It's good to meet you.

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

31/10/2026

It's Halloween, so here's a mortgage fright that catches more people out than you'd think.

Most people assume their fixed rate ends on the anniversary of the day they moved in. It doesn't always work that way. Most lenders set the end date when you apply, which means it can fall a few months either side of what you're expecting. The exact date is on your original mortgage offer.

Find that date. Count back six months. That's when to start looking at your next deal.

From six months out you can usually reserve a new rate. If rates rise before your deal ends, yours is already secured. If rates fall, many lenders will let you switch to the lower one.

That window also gives you time to compare properly. Staying with your existing lender is called a product transfer and it's usually quick. But their deal isn't always the best one available. Putting it side by side with deals from other lenders - the rate, the fees, the fixed period - is how you find out.

Leave it late and that comparison gets harder. Moving to a new lender typically takes a few weeks, so if you're up against the deadline, your existing lender's offer may be the only one you have time to take. A decision that deserves thought ends up made in a rush.

One more thing worth knowing: Early Repayment Charges normally stop on the day your deal ends, so your new rate can start the same day with nothing to pay.

Find the date on your mortgage offer. Count back six months. That's the number to have in your head.

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

30/10/2026

Want to buy your first home one day in the future or looking to put an offer in a house tomorrow?

Or maybe you are a parent wanting to help your child plan to buy their first house.

My aim is to help local people buy their first home sooner, and realise that despite the noise and negativity, its possible . With the right planning, and the right guidance.

I want this page to help you understand how buying your first home works and what your next step could be. You may be just thinking about how you can save for a deposit or you may be ready to buy but don't know what to do next. Or maybe you are left confused by what the estate agent is telling you that you should do.

That means practical explanations of the ways to save for a house, process, the decisions and the language. It also means keeping the home you want, and the life you'll lead there, in the conversation.

Follow along for those explanations, and tell me which part you'd like me to cover first.

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authorit

29/10/2026

How much £££ might you need to buy your first home? Hopefully this will help to give you an idea.

Could you buy sooner than you thought?

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Today’s Budget confirmed two announcements for people planning to buy their first home.

The government’s Your First Home scheme will provide equity loans covering 20% of the purchase price, with a minimum 2.5% deposit, for first-time buyers purchasing an eligible new-build home in England from a participating developer, who could not otherwise buy. The loan is interest-free for five years, then interest increases gradually. It is borrowing to repay, alongside the mortgage.

Household income caps are £110,000 outside London and £140,000 in London. Local house-price caps apply. Buying costs are extra and mortgage approval is still needed. First loans are planned from April 2027.

The First Time Buyer ISA will replace the Lifetime Individual Savings Account (Lifetime ISA) for new savers from 6 April 2029. It allows up to £4,000 a year, with a 25% bonus paid on a qualifying purchase worth up to £450,000. The bonus is capped at £20,000. There is no upper age restriction.

Existing Lifetime ISA holders can keep contributing and using their accounts. From 29 October 2026, a reduced 20% withdrawal charge applies to purchases above £450,000 that otherwise meet the qualifying rules. For example, £4,000 contributed plus £1,000 bonus gives £5,000. A 20% charge leaves £4,000, excluding investment gains or losses. Unauthorised withdrawals still have a 25% charge. Arrange a purchase withdrawal with your provider and conveyancer.

Check scheme terms, local price caps and Lifetime ISA compatibility before planning a purchase.

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

Lynton Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

13/08/2026

It's A-level results day.
To everyone in Alsager and the surrounding areas who picked up their results this morning - well done.
Whatever the envelope holds, you sat those exams and you got through it.

Now the next journey can start, and it's an exciting time to move into the adult world, lots of options and opportunities.

Rob's advice - don't rush; there is lots of time ahead. Find your own passion.

13/08/2026

08/08/2026

Time off the laptop , but not time off from thinking about to support people buy their first home .

08/08/2026

Time off the laptop but not time of thinking how to help people buy their first home .