ABP Mortgages LTD

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🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?As summer starts to draw to a close, have those sunny da...
27/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible.
📩 [email protected]
📞 07538054649



Your Home (or property) 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 exact amount will be based on your circumstances.

🩺 Critical Illness Cover vs Income Protection: What's the Difference? They both provide financial support when illness a...
24/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

• Pay off or reduce your mortgage
• Cover household bills
• Make changes to your home
• Take time away from work
• Help with recovery costs

💼 Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

• Mortgage or rent
• Household bills
• Everyday living costs
• Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.

💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

Tel Siouxsie: 07904159871
📧: [email protected]

🏡 Buying a home? Don't forget these costs... Saving for your deposit is a huge milestone, but it's only one part of the ...
12/08/2026

🏡 Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.

Tel Lloyd: 07538054649
📧: [email protected]



Your Home (or property) 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 exact amount will be based on your circumstances.

🌿 August is National Wellness Month 🌿When we think about wellness we often think about eating well, staying active and l...
10/08/2026

🌿 August is National Wellness Month 🌿

When we think about wellness we often think about eating well, staying active and looking after our mental health. But there's another part of wellbeing that's often overlooked...

💙 Financial wellness.

No one expects to become seriously ill or be unable to work, but if the unexpected happened, would you have the financial support you need?

❤️ Life Cover can help protect the people you love.
🩺 Critical Illness Cover can provide financial support following the diagnosis of a covered serious illness.
💼 Income Protection can help replace part of your income if illness or injury means you can't work.

Looking after your wellbeing isn't just about living well today, it's about preparing for tomorrow too.

This National Wellness Month, make your financial wellbeing part of your self-care routine. 🌱

📞 Not sure if you have the right protection in place? Speak to us today for a no-obligation protection review and let's make sure you and your loved ones are prepared for whatever life brings.

Tel Siouxsie: 07904159871
📧: [email protected]

🏡 Want to buy a home with little or no deposit? A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeown...
03/08/2026

🏡 Want to buy a home with little or no deposit?


A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:

✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants' income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.

Tel Lloyd: 07538054649
Email: [email protected]



Subject to eligibility and full mortgage assessment.

Your Home (or property) 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 exact amount will be based on your circumstances.

🏗️ Protect your income – and your businessBeing self-employed means you're in control of your business...But it also mea...
31/07/2026

🏗️ Protect your income – and your business

Being self-employed means you're in control of your business...

But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:

🚐 Van or vehicle lease payments
🏢 Rent for your business premises
🛠️ Equipment or machinery hire
🛡️ Business insurance
💡 Utility bills
💳 Loan or finance repayments
📞 Phone, broadband and other essential business expenses

These are known as fixed costs because they continue whether you're working or not.

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury. Even better, if you're self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you're self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch today.

Tel Siouxsie: 07904159871
Email: [email protected]

When the Unthinkable Happens, Financial Support MattersNo parent ever wants to imagine hearing the words, "Your child is...
29/07/2026

When the Unthinkable Happens, Financial Support Matters

No parent ever wants to imagine hearing the words, "Your child is seriously ill." 💔

In those moments, the last thing you should be worrying about is money.

👶 Children's Critical Illness Cover can provide a tax-free lump sum if your child is diagnosed with a covered serious illness, helping you:

❤️ Take time away from work to be by their side
🏥 Cover travel and treatment-related expenses
🏡 Pay everyday household bills while life is turned upside down
✨ Focus on what truly matters – your child's recovery

We can't protect our children from everything, but we can help protect our families from the financial impact that serious illness can bring.

Because when your child needs you most, every moment matters. 💙

👉📞 Reply to this post or contact Siouxsie on 07904159871 to find out how we can help.
📧 [email protected]

24/06/2026

☀️ Summer is just around the corner! 😎

If you're self-employed, taking a couple of weeks off to relax and enjoy the sunshine sounds great 🌴🍹

But what if you had to take more than a few weeks off because of an illness or injury? 🤕🏥

Unlike employees, most self-employed people don't receive sick pay 💷❌ If you're unable to work, your income could stop while the bills keep coming 📉🏠⚡

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury, helping you keep on top of your finances while you focus on your recovery 💙

Don't leave your income to chance 🎯 Make sure you have a plan in place.

📩 Get in touch to find out how Income Protection could help protect you and your family.

[email protected]
Tel: 07904159871

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
12/06/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.



Your Home (or property) 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 exact amount will be based on your circumstances.

Direct tel Lloyd: 07538 054649
[email protected]

Address

58 Hanbury Road
Bargoed
CF818QX

Telephone

+447903334859

Website

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