Thomas Mortgage Solutions

06/05/2026

Not something that happens everyday!

30/04/2026

17/04/2026

Recent client case

A client approached me after initially applying directly with a lender.

After around a month, their application was declined following the valuation, due to the property being of non-standard construction (single skin).

We met on 16th April to review their circumstances and the property in detail, and to identify a lender whose criteria was suitable for this type of construction.

I am pleased to confirm that a mortgage offer was issued on 17th April.

While outcomes and timescales will vary depending on individual circumstances, this case highlights the importance of receiving tailored mortgage advice, particularly where properties fall outside of standard construction.

If you are unsure about your options or have experienced difficulties with a lender, I would be happy to discuss your situation.

Thomas Mortgage Solutions 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 17/04/2026

08/04/2026

One of the biggest mistakes I see:

People focusing only on the interest rate.
Rate matters.
But it’s not the full picture.
Criteria.
Flexibility.
Fees.
Future plans.

The “cheapest” deal on paper is not always the right deal for you.
This is where proper advice actually makes a difference.
If you want help working out what actually suits your situation, drop me a message and we’ll go through it properly.

Thomas Mortgage Solutions 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 02/04/2026

07/04/2026

Most people spend more time choosing a sofa than they do protecting their income.
Think about that.

Your lifestyle runs on one thing:
Your ability to earn.
If that stops, everything else follows.
Mortgage in place is one thing.
Making sure it’s still affordable if life throws something at you… that’s the part most people ignore.
And it’s usually the part that matters most.

If you want me to review what you currently have in place, just message me and we can go through it together.

Thomas Mortgage Solutions 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 01/04/2026

07/04/2026

Quick question:
If you were buying today…

What would matter most to you?
A) Lowest monthly payment
B) Fixing your rate for security
C) Borrowing the maximum possible
D) Flexibility for the future
No right or wrong answer.

But your choice massively changes what the “right” mortgage actually looks like.
Comment below with your answer, or message me if you want to see what your options would look like based on it.

Thomas Mortgage Solutions 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 02/04/2026

07/04/2026

Unpopular opinion:
Going straight to your bank for a mortgage is a bit like going on a night out and only speaking to one person all evening.

Might work out…

But you’re massively limiting your options.

There are lenders out there who may:
• Lend you more
• Offer better rates
• Be more flexible with income
• Actually fit your situation properly

Most people never see those options.
If you’re planning to buy or remortgage, at least know what’s available before committing.

If you want me to sense check your options before you go ahead, just drop me a message.

Thomas Mortgage Solutions 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 01/04/2026

06/04/2026

Thinking about buying a home, moving, remortgaging, or sorting your protection?

That is exactly where I can help.

As a Mortgage and Protection Adviser, I support clients with:

🏡 First time buyers
🏡 Home movers
🏡 Remortgages
🏡 Buy to let
🏡 Self employed applications
🏡 Clients with past credit issues

I also help with protection planning, including:

🛡️ Life insurance
🛡️ Critical illness cover
🛡️ Income protection
🛡️ Accident cover
🛡️ Family protection plans

My role is to make the whole process clear, straightforward, and far less stressful, from the first conversation right through to completion.
If you are not sure where to start, or just want to know what your options look like, send me a message and I will be happy to help.

Thomas Mortgage Solutions 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.

Most buy to let mortgages are not regulated by the Financial Conduct Authority

Approved by The Openwork Partnership on 31/03/2026

06/04/2026

Spoke to someone this week who was about to go ahead with a mortgage direct through their bank.

On the surface, it looked fine.
Until we looked properly.
Different lender.
Better fit.
Lower monthly payments.
Same situation.
Very different outcome.

This is why it’s worth getting a second opinion before committing.
What looks “fine” isn’t always the right option available.
If you’ve had an offer or illustration and want a second opinion, send it over and I’ll sense check it for you.

Thomas Mortgage Solutions 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 02/04/2026