Yomo Finance - Ben Groves Mortgage Broker

Yomo Finance - Ben Groves Mortgage Broker We are a mortgage brokerage helping individuals & businesses buy & remortgage. Yomo Finance usually charges a fee for mortgage advice.

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Yomo Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales no.15250199. Registered Address: The Hive @ Edenwood, Place 15 Old Chatham Road, Blue Bell Hill, Aylesford, ME20 7EZ.

The Renters’ Rights Act is now in force.Most of the discussion has focused on what it means for tenants, but for landlor...
16/06/2026

The Renters’ Rights Act is now in force.

Most of the discussion has focused on what it means for tenants, but for landlords, the bigger question is:

What does it mean for your long-term strategy?

For some, it will be business as usual.

For others, it may be the catalyst to:
• Review existing mortgage arrangements
• Invest in properties to remain competitive
• Reassess profitability
• Restructure or reduce portfolio size

Whatever your view on the legislation, one thing is clear: the rental market is changing.

If you’re a landlord, now is a good time to step back and ask whether your mortgage and property strategy are still working for you.

I’m interested to hear from landlords, do you see these changes affecting your plans over the next 12 months?

09/06/2026

One of the biggest misconceptions around mortgages is that one decline means the end of the road.

In reality, lenders all assess applications differently.

What one lender declines, another may consider perfectly acceptable.

That is why understanding lender criteria, and speaking to someone who knows the market matters.

Please note:

This post is for information purposes only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

Yomo Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

A lot of first-time buyers focus on finding the right property first.In reality, preparation beforehand often makes the ...
02/06/2026

A lot of first-time buyers focus on finding the right property first.

In reality, preparation beforehand often makes the biggest difference.

Understanding affordability, reviewing your credit profile and speaking to someone early can make the process smoother and help avoid unnecessary delays later on.

Are you looking to buy your first home? Get in touch.

https://www.weareyomo.co.uk/contact

Please note:

This post is for information purposes only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

Yomo Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Something I find myself saying a lot 👇A “no” from one bank doesn’t automatically mean “no” from the market.If you’ve eve...
27/05/2026

Something I find myself saying a lot 👇

A “no” from one bank doesn’t automatically mean “no” from the market.

If you’ve ever been turned down by a high street lender ( or you’re worried you might be )this is important to understand.

Different lenders have completely different criteria.

Some are comfortable with self-employment after 12 months. Others want 3 years of accounts.

Some will consider historic missed payments. Others won’t.

Some are happy with flats above shops, new builds or non-standard construction properties. Others won’t touch them.

When you go directly to one bank, you’re getting one set of rules and one opinion.

A whole-of-market broker looks across multiple lenders to find the ones that actually suit your circumstances.

A lot of people who think they can’t buy actually can...they’ve just been asking the wrong lender.

So if you’ve been told no, or you’ve been putting off applying because you assume the answer will be no, it’s probably worth a conversation before writing the idea off 💬

Please note: This post is for information purposes only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

Yomo Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

A conversation I'm having a lot at the moment:"Ben, I've got 4 properties. Two are on decent rates, two aren't. Renters'...
20/05/2026

A conversation I'm having a lot at the moment:

"Ben, I've got 4 properties. Two are on decent rates, two aren't. Renters' Rights Act is round the corner. Do I expand, hold, or trim back?"

Sound familiar?

Here's what I tell them.

The landlords who've done well over the last decade weren't lucky on house prices. They kept reviewing. Rates, structure, tax position. Small adjustments before they had to make big ones.

The ones struggling now? Usually set everything up in 2018 and haven't looked at it since.

With the Renters' Rights Act in May 2026, swap rates moving, and lender criteria shifting weekly, not reviewing your portfolio is a decision in itself.

Worth a look:

→ Are your rates still competitive?
→ Could equity fund improvements that lift rental income?
→ Is your structure (personal vs limited company) still right?
→ Which properties are actually pulling their weight?

You don't need big moves, you just need to know where you stand.

If you've not had a proper portfolio review in 12 months, that's your sign.

Drop me a message.

Please note: This post is for information purposes only and does not constitute financial advice.

In 2015, average 2-year fixed rates were around 2–3%, in 2026, they’re closer to 4.5–5%.Add in stricter affordability ch...
05/05/2026

In 2015, average 2-year fixed rates were around 2–3%, in 2026, they’re closer to 4.5–5%.

Add in stricter affordability checks, higher living costs, tougher competition, and it’s clear the landscape has shifted.

It’s not about comparing today to 2015, it’s about understanding how this market works.

If you were buying today, what do you think would feel most different compared to 10 years ago?

Sources: Bank of England (historical mortgage rate data) & Moneyfacts UK Mortgage Trends (2025/26 averages).

Figures shown are market averages for comparison only.

30/04/2026

For those who don't know me, I’m Ben!

Your local mortgage broker here in Medway and MD at Yomo Finance.

Buying your first home, remortgaging, or just planning ahead for the future? I’m here to help you make sense of it all.

Let’s have a proper chat about what’s possible.

Good to get out of the office for something a bit different ⚽I took part in the South East CII Members Football Tourname...
21/04/2026

Good to get out of the office for something a bit different ⚽

I took part in the South East CII Members Football Tournament at Aylesford Football Club , representing Yomo Finance: UK Mortgage Brokerage

A great event bringing people together from across the industry, competitive in parts, questionable fitness levels in others 😅

Always good to catch up with familiar faces and meet new ones outside of the usual day-to-day.

Really good atmosphere throughout 🙌

It’s been a busy few weeks and a good reminder of how quickly the mortgage market can move!We’ve seen swap rates increas...
16/04/2026

It’s been a busy few weeks and a good reminder of how quickly the mortgage market can move!

We’ve seen swap rates increase, which has already led to lenders repricing and withdrawing products across the market.

Nothing unusual in isolation, but it shows how quickly external events feed through into mortgage pricing.

What’s interesting isn’t just the movement itself, but how people react to it...

Some wait.
Some try to time the market.
Others focus on understanding their position early and making informed decisions.

In reality, most outcomes come down to preparation over prediction.

The conversations we’re having right now are less about “what will rates do next?” and more about:

• What options are available today
• How long those options might last
• How they fit into wider plans

Curious to hear, how are you seeing clients or the market react to the recent changes?

Most businesses rely on one or two key people.But what happens if they suddenly can’t work?It’s not something most peopl...
08/04/2026

Most businesses rely on one or two key people.

But what happens if they suddenly can’t work?

It’s not something most people like to think about, but for a lot of businesses that scenario would have an immediate impact on income, operations and stability.

This is where conversations around things like Key Person Insurance start to become relevant.

Not as a worst-case scare tactic, but as a way of understanding how a business could cope if something unexpected happened.

For many businesses, their biggest asset isn’t equipment or property, it’s the people.

Something worth thinking about, always happy to chat it through!

Please note: Insurance policies are subject to status, eligibility and terms. This post is for information purposes only and does not constitute financial advice.

Address

15 Old Chatham Road
Aylesford
ME207EZ

Telephone

+441634949555

Website

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