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Charlie Harding - Mortgage & Protection Adviser

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Charlie Harding - Mortgage & Protection Adviser

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🏡 Worrall Mortgages 🏡
Award-winning Whole of Market Mortgage & Protection Advisers. Expert mortgage advice with a personal touch.

Mortgage Brokerage of the Year winners - Yorkshire Prestige Awards 2025/26 & 2026/27. 🏆

15/10/2026

When it comes to your mortgage, your lender’s valuation of your property can make more of a difference than you think.

Some lenders use an automated valuation, which is essentially an estimate of what your property is worth, rather than sending someone out to physically value it.

The problem? Sometimes that estimate can come in lower than your property’s actual market value.

And if your property is valued lower, it can affect your loan-to-value (LTV) and potentially mean you miss out on more competitive mortgage rates.

👀 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘄𝗵𝘆 𝗶𝘁’𝘀 𝗮𝗹𝘄𝗮𝘆𝘀 𝘄𝗼𝗿𝘁𝗵 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝘁 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀!

Just because you already have a mortgage with a lender, or they’ve offered you a new deal, doesn’t necessarily mean they’re the best option for you.

As whole-of-market mortgage advisers, we can compare deals across different lenders and see whether there’s a more competitive option available for your circumstances.

𝗬𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗶𝘀 𝘄𝗼𝗿𝘁𝗵 𝗰𝗵𝗲𝗰𝗸𝗶𝗻𝗴, 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗿𝗲𝗻𝗲𝘄𝗶𝗻𝗴! 🏡

Get in touch and let’s see what options are available to you.

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

12/10/2026

Sometimes I sit back and think how lucky I am to do what I do. 🤍

It’s so much more than just mortgages. It’s the messages saying your offer has been accepted, the excitement of getting your keys, the lovely reviews and being recommended to your family and friends.

Getting to be part of such exciting moments in people’s lives is something I’ll never take for granted.

To everyone who has trusted me to help them, recommended me to someone they know or taken the time to send me a lovely message, thank you! It really does mean a lot to me! 🏡🔑✨

08/10/2026

Such a lovely review to receive 🥰 I’m so glad you chose me to help, and it was a pleasure to be part of your journey! 🏡🔑

06/10/2026

One thing we’ve seen happen over the years is clients taking out new credit while their mortgage application is still going through.

If you’re currently in the middle of a mortgage application, it’s best to 𝗮𝘃𝗼𝗶𝗱 𝘁𝗮𝗸𝗶𝗻𝗴 𝗼𝘂𝘁 𝗮𝗻𝘆 𝗻𝗲𝘄 𝗰𝗿𝗲𝗱𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝘆𝗼𝘂’𝘃𝗲 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗱, unless you’ve spoken to your mortgage adviser first.

That could include:

🚗 𝘾𝙖𝙧 𝙛𝙞𝙣𝙖𝙣𝙘𝙚
🛋️ 𝘼 𝙣𝙚𝙬 𝙨𝙤𝙛𝙖 𝙤𝙣 0% 𝙛𝙞𝙣𝙖𝙣𝙘𝙚
📱 𝘼 𝙣𝙚𝙬 𝙢𝙤𝙗𝙞𝙡𝙚 𝙥𝙝𝙤𝙣𝙚 𝙘𝙤𝙣𝙩𝙧𝙖𝙘𝙩
💳 𝘾𝙧𝙚𝙙𝙞𝙩 𝙘𝙖𝙧𝙙𝙨 𝙤𝙧 𝘽𝙪𝙮 𝙉𝙤𝙬, 𝙋𝙖𝙮 𝙇𝙖𝙩𝙚𝙧

It might seem harmless, but lenders can carry out further checks before completion. A new financial commitment could affect your affordability, change the outcome of your application or potentially cause delays.

Not sure if something could affect your mortgage?

𝗔𝘀𝗸 𝘂𝘀 𝗳𝗶𝗿𝘀𝘁. It only takes a quick conversation, and it’s always better to check than risk an unexpected problem further down the line.

A little patience now could make all the difference when it comes to getting those keys in your hand. 🔑🏡

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

29/09/2026

If you’re planning to apply for a mortgage after 5th October, your 2024/25 accounts will be over 18 months old and will no longer be accepted by lenders as your latest years accounts.

👉 Make sure your 2025/26 accounts are ready so your income can be assessed when applying for your mortgage.

Planning to buy or remortgage? Get in touch and I’ll let you know what documents are needed. 🏡

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

24/09/2026

You’ve got the keys… now what? 🏡🔑 Here’s your move in checklist!

21/09/2026

Starting the week off with a lovely review - thank you so much! 🥰🏡

18/09/2026

Happy Friday! 🥂🏡

What a lovely way to finish the week - three completions today! 🎉

Two of them are first-time buyers taking their first steps onto the property ladder, and the other is a lovely couple moving into their forever home. 🥰

A huge congratulations to you all! Wishing you so many happy memories in your new homes. ❤️🔑

Thank you for choosing me to be part of such an exciting milestone - it’s always a pleasure helping you get there! 🏡

16/09/2026

🚨 𝙍𝙖𝙩𝙚𝙨 𝙖𝙧𝙚 𝙢𝙤𝙫𝙞𝙣𝙜… 𝙖𝙣𝙙 𝙮𝙤𝙪 𝙙𝙤𝙣’𝙩 𝙬𝙖𝙣𝙩 𝙩𝙤 𝙡𝙚𝙖𝙫𝙚 𝙞𝙩 𝙩𝙤𝙤 𝙡𝙖𝙩𝙚!

Multiple lenders have increased their mortgage rates this week, and we’re continuing to see rates move upwards. 📈

If your current mortgage deal ends within the 𝗻𝗲𝘅𝘁 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀, now could be the time to look at your options and lock in a new rate.

Not sure what you should do next? Send me a message and I’ll talk you through your options. 🏡

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

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