Harbour Mortgage Solutions

18/05/2026

18/05/2026

It means the world when clients come back to me time and time again. Helping people through the stressful parts of buying or remortgaging — and making the “impossible” feel possible — is exactly why we do what we do.

Thank you so much for your kind words and trust.

If you’re thinking about your next move, need advice, or just want to understand your options, I’m always here to help — evenings and weekends included.

📍 Local knowledge
⚓ Trusted advice
Nathan Jones
Tel: 07899737405
Email: [email protected]
www.hms.wales

17/05/2026

🚨 Top 5 first-time buyer mistakes we see:

1️⃣ Viewing homes before checking affordability
2️⃣ Applying for credit before a mortgage application
3️⃣ Forgetting about legal/survey costs
4️⃣ Assuming all lenders are the same
5️⃣ Waiting too long to ask questions

Buying your first home is exciting — but it’s also a huge financial decision.

Good advice early on can make the whole process far less stressful.

📩 If you’re thinking about buying your first home this year, we’re here to help.

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

Music Credit: Upbeat Day - AudioCoffee

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15/05/2026

⏳ “We’ll wait another year before speaking to a mortgage broker.”

Sometimes that’s sensible.
Sometimes it can cost people thousands.

We regularly speak to buyers who could have:
✔️ Improved their credit sooner
✔️ Started saving differently
✔️ Boosted borrowing potential
✔️ Been ready when the right house appeared

You don’t need to be “ready to buy” to get advice.

Sometimes the smartest move is understanding your options early.

📩 Thinking of buying in the next 6–24 months? Let’s chat now so you can plan properly.

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13/05/2026

THE BIGGER PICTURE – We Want to Hear From You 🌟
At Parent to Parent, we want to make sure the support, activities, and services we offer are truly shaped by what families actually need — not what we *think* they need.

Before applying for further funding, we’re asking parents, carer to share their thoughts with us.

📸 As a thank you, everyone who completes the survey will be entered into a draw to WIN a FREE mini photo shoot for your child/children, including 3 digital edited images from Lloyd James Photography - https://www.lloydjamesphotography.com/

👉 Follow us, comment below, message us, or complete to enter the free draw complete the survey here: https://forms.office.com/r/NBz1sNZK3j

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12/05/2026

12/05/2026

12/05/2026

Mortgage jargon translated into normal human language 👇

📄 Agreement in Principle
= A lender saying “based on this info, we’d probably lend to you.”

📉 Fixed rate
= Your payments stay the same for a set period.

🏠 Loan to Value (LTV)
= How much you borrow compared to the property value.

🔁 Remortgage
= Switching your mortgage deal — often to save money.

🤯 The mortgage world can feel overwhelming at first.
That’s why we explain everything without the jargon.

If you’ve got a question you’ve been too embarrassed to ask… ask it.

Chances are, loads of people are wondering the same thing.

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

Music credit: Fresh View - YesteryBeat

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10/05/2026

☕ One takeaway coffee a day = roughly £100+ a month.

Overpaying your mortgage by that amount could potentially:
✔️ Reduce your mortgage term
✔️ Save thousands in interest
✔️ Increase equity faster

Most people think overpayments need to be huge to matter. They don’t.

Small changes over time can make a big difference.

Want to know whether overpayments make sense for your situation?
We’re happy to explain your options in plain English.

📩 Send us a message

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

Music Credit: Money Money - Liza Minnelli

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08/05/2026

🏡 “We can’t get a mortgage because…”

We hear these every single week:

❌ “I’m self-employed”
❌ “My credit score isn’t perfect”
❌ “We only have a small deposit”
❌ “We’ve never bought before”
❌ “We’ve got children”

The reality?
Many people assume they won’t qualify before they’ve actually spoken to a broker.

Every lender looks at applications differently — which is why getting advice matters.

If you’re unsure where you stand, drop us a message. A quick chat could open more doors than you think.

📍Independent mortgage advice across Wales & the UK
📩 Message us anytime

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