Lynton Mortgages - Alsager's Fee Free Mortgage Brokers

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 .

03/08/2026

Are you asking yourself the right questions when looking to buy a house ?

The mortgage lender gives you a maximum lending figure. It is not a suggestion about how much house you should buy.

A lender's affordability check is designed to confirm you can technically make the repayments.

It is not designed around your holidays, your childcare costs, the boiler that will need replacing, or the fact that you still want a life after the mortgage goes out.

Some people get that maximum figure back and feel they should use all of it.
Most of the time, the right number is somewhere below the ceiling.

The question worth sitting with is not 'how much will they lend me?'

It is 'how much can I comfortably repay without it changing how I live?' Those are two different questions. The mortgage lender only answers one of them.
Your max borrowing figure is not an instruction - it's a ceiling.

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.

03/08/2026

If you’ve been putting off checking your credit score because you’re worried it’ll make things worse - it won’t.
Checking your own report is always a soft
search. It leaves no mark that any lender can see. The same goes for most Agreements in Principle.

What lenders do look at: missed payments, maxed-out credit cards, not being on the electoral roll, and financial links to someone with a poor credit history. What they don’t look at: your salary, your savings, or the fact that you checked your own file.

Experian, Equifax and TransUnion all offer a free report. Ten minutes, and you’ll know exactly where you stand. 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.

02/08/2026

The deposit is the big one. But it's not the only cost that lands when you're buying.

Here's the bit most people don't know until it's a bit too late...

Around the same time you're handing over your deposit, you're also likely to be paying:

- Solicitor fees (conveyancing)
- A survey
- Stamp duty (depending on the price and whether you're a first-time buyer)
- Possibly a valuation fee charged by the lender
- Moving costs

None of these are huge on their own. But they all tend to land in the same few weeks, and if you've been focused entirely on building your deposit, they can catch you off guard.

Stamp duty is the one that surprises people most. First-time buyers pay nothing on the first £300,000, and 5% on anything between £300,000 and £500,000. There's a threshold change that came in this year, so it's worth checking the current figures for your price range before you set your budget.

Solicitor fees vary a fair bit. Surveys range from a basic mortgage valuation right up to a full structural survey - and what you need depends on the property.

The deposit is still the main event. Just worth knowing what else is coming so nothing catches you short.

Anyone here who wishes they'd known this earlier when they bought?

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.

30/07/2026

Why you should have two savings pots when buying your first house.

Hitting your deposit target is a real milestone. But it is not the finish line - it is the entry ticket. Solicitor fees. A survey. Stamp duty (if it applies). The costs waiting for you on moving day. These sit on top of your deposit, not inside it. Knowing that now, before you start viewing, means no nasty surprises halfway through.

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.

21/07/2026

NEW 98% MORTGAGE LAUNCHED

A 2% deposit mortgage now exists. Here's exactly who it's for – and where it won't work.

What it is

A lender has just launched a 98% loan to value (LTV) mortgage for first-time buyers. That means a 2% deposit. On a £200,000 home, that's £4,000. On a £300,000 home, that's £6,000.

Who qualifies

You need to meet all of these:

• First-time buyer (no mortgage in the last 3 years)
• Minimum household income of £30,000
• Property purchase up to £500,000
• Gifted deposits accepted
• Self-employed buyers can apply

Where it won't work

This one matters. The 98% product is not available on new build properties. New build houses: maximum 95% LTV (5% deposit). New build flats: maximum 85% LTV (15% deposit). If you're looking at a new build, the numbers are different.

The honest trade-off

Borrowing 98% means you own 2% of your home on day one. Monthly payments will be higher than on a smaller loan. And if property values fall, you have very little buffer.

That's not a reason to rule it out. It's a reason to go in with a clear picture of your finances.

What it doesn't fix

A 2% deposit gets you past the deposit barrier. Affordability still has to work. The lender will look at your income, your outgoings and your commitments.

Borrowing up to 5x household income is possible on this product – but only where the numbers support it.

What next?

If your deposit is small and you've been wondering whether it's enough – it might be worth getting a proper picture of where you stand. If you have any questions, let me know.

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 21/07/2026

Lynton Mortgages provides mortgage advice to clients across the UK, with a particular focus on helping people understand their options when you are a first time buyer or first time remortgagor.



Approved by The Openwork Partnership on 14/05/2026