Lynton Mortgages - Alsager's Fee Free Mortgage Brokers

17/06/2026

Nobody tells first-time buyers what to expect - so here it is.

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

There are roughly six stages to buying your first home. Most of the anxiety comes from not knowing which one you're in - or what happens next.

Stage one is getting an Agreement in Principle. It is free, usually a soft credit check, and takes about 15 minutes. It tells you what you can borrow before you fall for a place you cannot move on.

After that: offer accepted, solicitor instructed, survey booked.

Then exchange - that is when it becomes legally binding. Then completion - that is when you get the keys. Usually a week or two apart, sometimes the same day.

Save this for when you need it - or send it to whoever you are buying with.

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.

27/05/2026

26/05/2026

How long does it actually take to buy your first home? Here is the rough timeline.

Weeks 1-2: You talk to a broker. We go through your situation, work out what you could borrow, and get your Agreement in Principle sorted. Quick and straightforward.

Weeks 2-8: You find a property. This bit takes as long as it takes.

Weeks 8-10: Offer accepted. Mortgage application goes in. Solicitor instructed. Survey booked.

Weeks 10-16: Solicitors do their thing. Searches, checks, paperwork. This is the bit that feels slow. It is normal.

Weeks 16-20: Exchange and completion. Keys in your hand.

Roughly 4-5 months, start to finish. Every purchase is different, but that is a realistic guide.

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.

Approved by The Openwork Partnership on 14/04/26

21/05/2026

Most people don't realise you can lock in a new mortgage rate up to six months before your current deal ends.
That's actually a really useful window. If rates go up in the meantime, you're already protected. If rates drop, you can usually switch to the better deal before you complete.
And this is exactly what I do — I keep an eye on things for you, find the right deal, and if something better comes along before you're through, I'll flag it.

You don't have to do this on your own. If your deal ends in the next six months, now is a good time to start looking.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 05/05/26

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.

19/05/2026

Mortgage rates have gone up. Here's what's actually going on and what you can do about it.

Swipe through for a quick, plain-English breakdown — no jargon.

If you want to know where you stand, drop me a message. I'll give you an honest answer about your situation.

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. Authorised by The Openwork Partnership on 05/05/2026

12/05/2026

Did you know you can secure a new rate up to 6 months before your current deal ends?


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.

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

09/05/2026

Thinking about applying for a mortgage? The months before you apply matter more than you think.

Hold off on new credit. Credit cards, personal loans, car finance - even unused credit can affect what you can borrow.

Yes, that includes Klarna. Buy now pay later services still count as credit. Even small balances can reduce borrowing power or raise questions with some lenders.

Thinking of switching jobs? Changing jobs can complicate things. Some lenders prefer a settled role and a completed probation period. Not impossible, but timing matters.

Watch your spending. Lenders look at your bank statements. Gambling, sudden big purchases, unusual cash withdrawals - they can all raise questions.

It is all about keeping things steady. Stability in the run up to applying makes a big difference. If changes are unavoidable, getting advice first can help avoid delays or surprises.

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.

Approved by The Openwork Partnership on 14/04/26

09/05/2026

Six months on Rightmove. A list of saved properties. Conversations about kitchens, gardens, what colour the front door's going to be.

But have you actually sat down together and asked the harder questions?

Not what house you want. What happens after you buy it. Could you still pay the mortgage if one of you couldn't work for three months? Have you factored in the boiler, the council tax, the things that break? Do you know the difference between what the bank will lend you and what you'd actually be comfortable paying every month? What happens to that payment when you remortgage in 2 or 5 years?

These are five questions worth sitting down with before you go any further.

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.