Stephen Murray - Mortgage and Protection Adviser

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Stephen Murray - Mortgage and Protection Adviser Expert mortgage advice made simple! Whether your buying, remortgaging, or investing, let's make your mortgage journey easy and as stress free as possible

🏡 𝗡𝗢𝗡-𝗦𝗧𝗔𝗡𝗗𝗔𝗥𝗗 𝗜𝗡𝗖𝗢𝗠𝗘? 𝗟𝗢𝗢𝗞 𝗡𝗢 𝗙𝗨𝗥𝗧𝗛𝗘𝗥 📣Getting a mortgage isn’t always straightforward when your income doesn’t fit the...
31/08/2026

🏡 𝗡𝗢𝗡-𝗦𝗧𝗔𝗡𝗗𝗔𝗥𝗗 𝗜𝗡𝗖𝗢𝗠𝗘? 𝗟𝗢𝗢𝗞 𝗡𝗢 𝗙𝗨𝗥𝗧𝗛𝗘𝗥 📣

Getting a mortgage isn’t always straightforward when your income doesn’t fit the traditional PAYE model — but having the right broker can make a real difference.

I help professionals whose income include self-employed earnings, contract income, overtime, bonuses, allowances, commission or multiple income sources, including:

👷 Tradespeople & contractors
💼 Self-employed business owners
👨‍⚕️ Doctors, dentists & nurses
🎥 Freelancers & media professionals
💇 Hairdressers & beauticians
🚧 Agency & temporary workers
🍽️ Hospitality professionals
🏋️ Personal trainers
✈️ Pilots & other professionals with variable earnings

Your income may be different — that doesn’t mean owning your own home is out of reach.

📞 07803 408 315
📧 [email protected]

Get in touch for a chat about your circumstances.

Lender criteria and affordability requirements apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

🏡 𝗥𝗘𝗔𝗦𝗢𝗡𝗦 𝗧𝗢 𝗥𝗘𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 When your current mortgage deal is coming to an end, it’s a great time to review your options. B...
26/08/2026

🏡 𝗥𝗘𝗔𝗦𝗢𝗡𝗦 𝗧𝗢 𝗥𝗘𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

When your current mortgage deal is coming to an end, it’s a great time to review your options. But remortgaging isn’t just about finding a lower rate.

You could consider remortgaging to:

💷 Reduce your monthly payments
🔒 Secure a better interest rate
🏠 Release equity from your property
💸 Consolidate debt
⏱️ Shorten your mortgage term
🔄 Change your mortgage type
🛡️ Review your life & protection cover

Even if you’re happy with your current mortgage, it’s worth checking whether there’s a better option available for your circumstances.

Don’t wait until your current deal ends — start your review anything up to 6 months in advance of your deal ending.

📞 07803 408 315
📧 [email protected]

Could you be better off remortgaging? Get in touch for a chat.

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

🏡 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲?Buying your first property can feel exciting… but also a little overwhelming!Fro...
24/08/2026

🏡 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲?

Buying your first property can feel exciting… but also a little overwhelming!

From working out how much you can borrow, to finding the right mortgage and getting your keys, I can help make the process simple, clear and stress-free.

✅ First-time buyer mortgage advice
✅ Help with your Decision in Principle
✅ Access to a wide range of mortgage deals
✅ Support throughout the application
✅ Protection advice to help protect your new home

Whether you’re just starting to think about buying or you’re already looking at properties, it’s never too early to have a chat.

📞 07803 408 315
📧 [email protected]

Your first home journey starts here. 🏡

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

📣 𝗙𝗜𝗥𝗦𝗧 𝗛𝗢𝗠𝗘 𝗙𝗨𝗡𝗗 𝗦𝗖𝗢𝗧𝗟𝗔𝗡𝗗 𝗔𝗣𝗣𝗟𝗜𝗖𝗔𝗧𝗜𝗢𝗡𝗦 𝗡𝗢𝗪 𝗢𝗣𝗘𝗡🏡As announced by the Scottish Government yesterday, applications for the...
25/06/2026

📣 𝗙𝗜𝗥𝗦𝗧 𝗛𝗢𝗠𝗘 𝗙𝗨𝗡𝗗 𝗦𝗖𝗢𝗧𝗟𝗔𝗡𝗗 𝗔𝗣𝗣𝗟𝗜𝗖𝗔𝗧𝗜𝗢𝗡𝗦 𝗡𝗢𝗪 𝗢𝗣𝗘𝗡🏡

As announced by the Scottish Government yesterday, applications for the First Homes Fund Scotland are now open from today.

This is an excellent opportunity for eligible first-time buyers looking to take their first step onto the property ladder.

If you or anyone you know could benefit from this, please feel free to tag them below or contact me directly🤩

For full details of the scheme, please visit:

https://www.mygov.scot/first-homes-fund

📢 CALLING ALL FIRST TIME BUYERS 📢The Scottish Government has confirmed the return of the First Home Fund, offering eligi...
08/06/2026

📢 CALLING ALL FIRST TIME BUYERS 📢

The Scottish Government has confirmed the return of the First Home Fund, offering eligible first-time buyers a £10,000 contribution towards their deposit 🏡

✅ £10,000 deposit contribution
✅ Support for eligible first-time buyers in Scotland
✅ Helps make home ownership more affordable
✅ A huge boost for buyers saving for their first move

The full terms and eligibility are expected to be clarified over the coming weeks so watch this space 🤩

With demand expected to be high, now is a great time to start preparing for your first purchase.

If you or anyone you know could benefit from this, tag them below or contact me for more info📱📞✉️

𝗙𝗜𝗫𝗘𝗗 𝗢𝗥 𝗧𝗥𝗔𝗖𝗞𝗘𝗥 𝗥𝗔𝗧𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 🤔🏡With rates constantly changing, the question everyone’s asking me …👇“𝗗𝗼 𝗜 𝗹𝗼𝗰𝗸 𝗶𝗻 𝗮 𝗳𝗶𝘅...
15/04/2026

𝗙𝗜𝗫𝗘𝗗 𝗢𝗥 𝗧𝗥𝗔𝗖𝗞𝗘𝗥 𝗥𝗔𝗧𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 🤔🏡

With rates constantly changing, the question everyone’s asking me …👇

“𝗗𝗼 𝗜 𝗹𝗼𝗰𝗸 𝗶𝗻 𝗮 𝗳𝗶𝘅𝗲𝗱 𝗿𝗮𝘁𝗲 𝗻𝗼𝘄 𝗼𝗿 𝗿𝗶𝗱𝗲 𝘁𝗵𝗲 𝗿𝗮𝘁𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗵𝗼𝗽𝗲 𝘁𝗵𝗲𝘆 𝗿𝗲𝗱𝘂𝗰𝗲?”

So lets start by discussing the pros and cons of both:

🔒 𝗙𝗜𝗫𝗘𝗗 𝗥𝗔𝗧𝗘:
✔️ Peace of mind
✔️ Your payments stay the same
✔️ Protected from rate rises 📈
✔️ Easier to budget month to month
✔️ Short and longer term options available

❌ You won’t benefit if rates drop
❌ Early repayment charges will apply to exit the deal early
---

📊 𝗧𝗥𝗔𝗖𝗞𝗘𝗥 𝗥𝗔𝗧𝗘:
✔️ More flexibility to review
✔️ Moves with the Bank of England rate
✔️ Benefit if rates fall 📉
✔️ Often fewer restrictions or lower exit penalties to review early

❌ Payments can go up at any time
❌ Less certainty for budgeting
---

𝗦𝗼… 𝘄𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼?
💬 The truth is, the right choice depends on your situation, income, and whats important to you. There is no right or wrong answer.

With all of the uncertainty in the market right now, it’s difficult to know what things will look like tomorrow, never mind in years to come🫣

My advice, do what works best for you and your circumstances.

Let me know in the comments … 𝗪𝗵𝗮𝘁 𝘁𝘆𝗽𝗲 𝗼𝗳 𝗿𝗮𝘁𝗲 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗶𝗻𝗴 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝗮𝗻𝗱 𝘄𝗵𝘆? 🤔

The things you love to see on a Monday morning 😍2 mortgage offers in before lunchtime 👊Hopefully a sign of things to com...
30/03/2026

The things you love to see on a Monday morning 😍

2 mortgage offers in before lunchtime 👊

Hopefully a sign of things to come for the week ahead 💃

✨ 𝗧𝗛𝗜𝗦 𝗼𝗿 𝗧𝗛𝗔𝗧? ✨Talk about kitchen vibes 😍 but … which one would YOU choose?👍 = Modern, sleek & stylish❤️ = Cozy farmho...
25/03/2026

✨ 𝗧𝗛𝗜𝗦 𝗼𝗿 𝗧𝗛𝗔𝗧? ✨

Talk about kitchen vibes 😍 but … which one would YOU choose?

👍 = Modern, sleek & stylish
❤️ = Cozy farmhouse charm

Would you go for the clean and luxury finishes, or warm wood and rustic comfort?

Drop your vote below and tell me why in the comments! 👇

Perfect example of why being organised for your remortgage can make a big difference 📊 I submitted a remortgage applicat...
24/03/2026

Perfect example of why being organised for your remortgage can make a big difference 📊

I submitted a remortgage application on Friday for a client whose fixed deal expires on 31 August 2026.

4.2% fixed rate secured on application ✅

The equivalent rate with the same lender today is now 4.79%⚠️

Within just two days, not securing this rate would have cost my client an extra £97 per month 🤯

If your fixed deal is ending within the next 6 months, don’t wait until its too late 📈

Address

Bellshill

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm

Telephone

+441416734016

Website

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