Claire Clegg - Mortgage Adviser

28/07/2026

When is the best time to review my mortgage?

The best time to review your mortgage is before you need to.

Many homeowners wait until their current deal ends before looking at their options. But by then, you may have missed opportunities.

Lenders often assess the last 3–6 months of your finances when considering a new mortgage. Reviewing your mortgage early gives you time to strengthen your application, explore more lenders, and secure the right deal without the last-minute pressure.

A proactive remortgage review means:
-More lender choice
-More time to prepare
-Less stress when your deal ends

Don’t wait for your rate to expire. Start the conversation early and put yourself in the best possible position.

Your home may be repossessed if you do not keep up with your mortgage payments.

19/06/2026

Could house purchases soon be completed faster?

Proposed changes aim to reduce delays, speed up transactions, and make the home-buying process less stressful for buyers and sellers alike.

A smoother journey and fewer hold-ups can only be a good thing! 👏

Up to four weeks could be cut off the time it takes to complete a house purchase under new plans revealed by the government, which also aims to reduce the number of unwelcome surprises that can come with buying a property.

https://www.itv.com/news/2026-06-19/plans-to-simplify-house-buying-to-cut-four-weeks-off-purchase-time

18/05/2026

Are you self-employed and looking for a mortgage? 🏡

One of the biggest frustrations for business owners is being declined by their bank. Only to discover another lender would have said yes!

Why does this happen?

Because every lender assesses self-employed income differently and choosing the correct lender makes a big difference.

Some will:
👉 Use your latest year’s figures
👉 Average income over 2–3 years
👉 Assess salary and dividends differently
👉 Use salary and net profit
👉 Consider retained profit
👉 Take a more flexible view of your business structure

So a decline doesn’t automatically mean:
❌ Your income isn’t high enough
❌ Being self-employed is the problem
❌ A mortgage isn’t possible

More often, it simply means that the wrong lender was approached first

This is why working with someone who understands self-employed lending can make all the difference.

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

25/01/2026

Another lovely gift from my clients.
After working together since 2021, they’re finally homeowners! Feeling very privileged to have been part of their journey and even luckier to now call them friends ❤️

13/01/2026

A huge thank-you to my amazing clients Kelva Dig and Mark for the beautiful flowers! Helping you find and purchase your new home was truly a pleasure, and moments like this remind me why I love what I do. Wishing you many happy memories in your new home.

19/11/2025

Buying a home is one of the biggest investments you’ll ever make and having the right protection in place is just as important. 🏡💙

From buildings insurance to life cover and critical illness protection, I can help you find the peace of mind you deserve.

Want to know more? Get in touch:
📧 [email protected]
📞 07990 606 863

28/06/2025

Divorce: What happens to the family home? 🙁🏡

When a relationship ends, deciding what to do with the home you shared can be one of the most challenging parts. Some of the options to consider include:

❓ Removing one partner’s name from the mortgage
❓ Selling the property and dividing the proceeds
❓ One partner buying out the other’s share

It’s already a stressful time, and dealing with mortgages can make things even more complex, which is why speaking to an adviser can really help. 💬

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

07/06/2025

🏡 First-Time Buyer? Let’s Make It Simple. 🗝️

Buying your first home is a huge milestone, but it doesn’t have to be overwhelming. As a mortgage broker, I specialise in helping first-time buyers navigate the process with confidence.

✅ Understand your borrowing power
✅ Explore first-time buyer incentives
✅ Compare the best mortgage rates from multiple lenders
✅ Get step-by-step support from pre-approval to closing day

You don’t need all the answer, you just need the right guide. If you’re thinking about buying your first home, let’s talk about how to make it happen (without the stress).

Your dream home might be closer than you think!

Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee may apply for mortgage advice, depending on your circumstances. Fees are up to 1% but typically £595.
Alder Rose Mortgage Services LTD is authorised and regulated by the Financial Conduct Authority.

16/05/2025

🏡 Buy Your Home with ZERO Deposit! 🌟

Saving for a deposit holding you back? Discover the No Deposit Mortgage. Designed to help you get on the property ladder faster:

✔️ No Deposit Needed
✔️ Fixed Rates for 10 or 15 Years (with automatic rate reductions!)
✔️ Unlimited Overpayments — no early repayment charges for moving or paying off early

✅ Available for applicants earning from £24k with a clear credit record.

Make homeownership a reality — get in touch today!

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