Aldrin's Mortgage And Financial Advice

30/03/2026

Is your mortgage deal ending in the next six months? Here's what you need to know. 👇

Global uncertainty is pushing mortgage rates up right now — and waiting to see if rates drop before you act isn't always the smart move.

Here's the reality:

Geopolitical tensions make it more difficult for central banks to reduce interest rates.

Lenders have already nudged rates up in recent weeks in response to market shifts

You can lock in a new deal months before your current one ends — you don't have to wait until the last minute

Starting early gives you options. Leaving it late limits them.

If your fixed rate is ending in the next 6 months, now's the time to have a conversation — not in 3 months when you're under pressure.

📞 Call the office: 01248 719525

📩 Or drop me a DM — happy to chat through your options.

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

Aldrin's Mortgage And Financial Advice is a trading style of JWH Ltd 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 30/03/26.

05/02/2026

2% deposit. 98% mortgage. Your home.

Saving for a house can feel impossible. But what if you only needed £10,000 to get started?

A major UK lender is now offering 98% LTV mortgages for first-time buyers—one of the highest loan-to-values available from a major lender. That means with just a 2% deposit, homeownership could be closer than you think.

Here's what you need to know:

✅ Minimum deposit: £10,000
✅ Gifted deposits accepted from friends and family
✅ Terms up to 40 years to keep monthly payments manageable
✅ Available for houses (no flats or new builds)

This might be for you if:

• You're a first-time buyer
• You're employed (not currently available for self-employed)

📩 Message or call us for a no-obligation chat. Let's see what's possible.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NNOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Approved by The Openwork Partnership on 05/02/2026

05/02/2026

If you died tomorrow, your mortgage wouldn't disappear.

Your family would still owe every payment while dealing with grief, lost income, and uncertainty about whether they can even stay in their home.

Life insurance changes that. It means your family keeps the house. They grieve without financial panic. The home you're building together stays theirs.

We can help you find cover that fits your mortgage and budget.

Questions? We're here to help. Give us a call on 01248 719525

23/12/2025

10/12/2025

Aldrin's Mortgage and Financial Advice is a trading name of JWH Ltd, 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.

27/03/2024

A UK mortgage lender has launched a £5,000 deposit mortgage especially for first time buyers!
• Minimum £5K deposit.
• Available for Loan To Values between 95.01% and 99%.
• House purchases above £100k and up to £500K.

If you are looking to take your first steps on the property ladder, talk to us today to find out more.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 27/03/2024

03/02/2023

13/04/2022

https://www.facebook.com/100069205643168/posts/289066220076897/?d=n

🏠Vacant Homes Assistance: grants are available for landlords to renovate empty houses to an acceptable living standard so that may be available for rent.

The grant is available for empty properties in the following areas: Bangor, Caernarfon, Porthmadog, Dolgellau, Y Bala, Nefyn, Blaenau Ffestiniog, Pwllheli, Tywyn, Aberdyfi, Abermaw (Barmouth), Harlech, Penrhyndeudraeth, Criccieth, Abersoch, Penygroes, Llanberis & Bethesda.

For more details and to find out whether you may be eligible go to https://orlo.uk/GWYNEDD_jfkMU

19/03/2020

THREE-MONTH MORTGAGE PAYMENT HOLIDAY

You may be aware that on March 17, Chancellor Rishi Sunak confirmed that anyone struggling financially as a result of the Coronavirus outbreak will be able to take a three-month mortgage repayment holiday.



A number of lenders had already announced repayment holidays for those affected by Covid-19, but the Government's announcement means ALL lenders will now have to honour the three-month time frame.



A mortgage payment holiday is an agreement you will need make with your lender allowing you to temporarily stop or reduce your monthly mortgage repayments. Lenders have advised that anyone struggling with repayments should contact them directly. The repayment holiday will be available to borrowers who are up to date on their mortgage payments and not already in arrears. If you believe you will struggle to make repayments in the coming months, I would recommend you engage with your lender as soon as practical to agree the best way forward, which may or may not include a payment holiday.



Interest will accrue for the period of the holiday and payments missed will be added to the loan and repaid in the future - potentially over the remaining term of the loan. The credit reference agencies are engaged with the lenders and it is anticipated that borrowers’ credit files will not be negatively affected as a result of the three month payment suspension.



As your adviser I am here to help, so if you have any questions around either engaging your lender or more broadly around your protection policies or the wider impacts of the Coronavirus on your financial position please do get in touch.

Stay safe and be kind