Jo O'Shea - The Mortgage Advisor

Jo O'Shea - The Mortgage Advisor The Welsh Mortgage Mum
Working flexibly to support you, where ever you are in the UK.

I am so excited share that I've completed the Green Finance Institute's Certificate in Financing Greener Homes. This ha...
22/07/2026

I am so excited share that I've completed the Green Finance Institute's Certificate in Financing Greener Homes. This has given me the technical knowledge and market insight to confidently support you, my clients with greener home finance. Thank you to Finance Institute, Banking Group for the opportunity.

Let me know if you would like more information on financing the purchase of an energy efficient home or making energy efficient improvements to your current home or investment property!

A true reflection of my week! No one is wearing clean clothes and we are eating weetabix! Anyone else’s life a bit hecti...
18/06/2026

A true reflection of my week! No one is wearing clean clothes and we are eating weetabix! Anyone else’s life a bit hectic?

The good news is that for all you wonderful people that have bought houses this week, your mortgage applications have been submitted (nearly)! 🏡🎉

24/03/2026

This comes up so often in client conversations!

Moving costsThe costs most people forget about…..When you are buying your first home, moving home or buying an investmen...
18/03/2026

Moving costs

The costs most people forget about…..
When you are buying your first home, moving home or buying an investment property you need to make sure you budget for moving costs.

These include but are not limited to

Solicitors fees - on average you will pay £1,000 for a sale and £1,600 for a purchase

Land Transaction Tax (in Wales) or Stamp Duty (in England) - payable on purchases over £225,000 in Wales and £125,000 in England (the threshold in England for First Time Buyers is £300,000)

Mortgage fees - your mortgage advisor will confirm if the best mortgage for you has a fee and you will usually have an option to pay the fee upfront or add it on to the mortgage.

Valuation fee - to cover the cost of the mortgage lenders valuation. Most lenders cover the cost for you.

Survey fee - it is not compulsory to have a survey carried out on the property you buy but it provides an independent expert assessment to make you aware of future issues and maybe leverage to renegotiate the purchase price.

Mortgage Advisor fee - payable for advice and arranging of the mortgage and a lot of hand holding along the way.

Moving costs - a removal company may be needed to help move furniture and all your boxes or you may know a person with a van 😉

Ending the week on a lovely high! I am so grateful that I get to help you lovely people buy and stay in your homes, with...
13/02/2026

Ending the week on a lovely high! I am so grateful that I get to help you lovely people buy and stay in your homes, with a sprinkle of care and education along the way 💫

Happy Friday!

A bit late on the band wagon with this one but here I am as a caricature, I wish my hair looked like that every day! To ...
12/02/2026

A bit late on the band wagon with this one but here I am as a caricature, I wish my hair looked like that every day!

To all my new followers, Hi 👋🏻
I’m a mortgage advisor based in Barry, South Wales, helping you buy your first home, move home, remortgage, or buy an investment property.

When I’m not giving honest advice and guidance and helping mortgages to be less confusing and intimidating, I am drinking coffee, chasing two kids or chasing a CrossFit PB!

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Barry

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