Jessica Laud Mortgages Ltd

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Jessica Laud Mortgages Ltd

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Mortgage and Protection Adviser with 24 years experience in the financial services.

03/11/2026

⭐ Another 5-star review! ⭐

Buying your first home can feel overwhelming, especially when the circumstances are a little more complicated than usual. 🏡❤️

This purchase involved buying from a family member following a bereavement, which meant there were additional questions to work through and things to carefully consider along the way.

It took time, patience and plenty of communication, but we got there in the end! And the best part? Helping another couple get the keys to their very first home together. 🏡🔑

As first-time buyers, it's completely natural to have lots of questions. I always want my clients to feel comfortable asking anything, knowing that no question is ever a silly one. I'll guide you through the process, explain things in plain English and help keep everything on track along the way.

Thank you so much to Chloe for taking the time to leave such a lovely review. It was a pleasure to help you both on your journey to homeownership. 💙

Your home, your plans, my support.

30/10/2026

🏡 THE AUTUMN BUDGET 2026 – WHAT DOES IT MEAN FOR YOU?

It’s been a busy week, so I’ve been a little quiet on here, but I haven’t missed the Autumn Budget announcements!

There were quite a few changes announced, and rather than bombard you with all the Budget headlines, I’ve picked out the ones I think are most relevant to my clients and anyone planning their next move on the property ladder.

From a new scheme to help first-time buyers, changes to Lifetime ISAs and a new First Time Buyer ISA, through to tax changes for landlords and some help with household energy costs, there’s quite a bit to get your head around!

🏠 If you’re thinking about buying your first home, there could be some new options on the horizon.

🔑 If you’re already a homeowner, it’s worth understanding what the announcements mean for your household finances and future plans.

🏘️ If you’re a landlord, there are some important tax changes coming that could affect your rental income and returns, particularly if you own properties personally rather than through a limited company.

One thing I would say is that not everything announced happens immediately. Some changes are coming into effect from now, others from April 2027, and some are still a few years away.

And remember, the Budget doesn’t determine what mortgage rate you can get. Your individual circumstances, lender criteria and the mortgage market all play a part.

My advice? Don’t make decisions based on headlines alone.

Whether you’re buying, moving, remortgaging or investing in property, it’s always worth understanding your options and getting the right advice for your circumstances.

Have a swipe through my carousel for a breakdown of the key announcements.

If you have any questions about how the changes could affect your mortgage plans, please feel free to get in touch. I’m always happy to help.

Jessica Laud Mortgages Ltd 💚

Helping you make sense of mortgages, without the jargon.

BuyToLet MortgageBroker PropertyAdvice

23/10/2026

POV: You work from home and have 5 rescue cats who think they’re your management team. 🐱😂

Every mortgage application comes with a side of cat supervision, desk takeovers and furry interruptions!

The perks of being your own boss… although I’m fairly sure the cats think they’re the bosses! 🐾🏡

❤️

08/10/2026

Really lovely gift from some equally lovely clients. My dog Daisy is particularly interested in the highland cow teddy and keeps jumping up to steal it!

07/10/2026

Buying a house doesn't always go to plan… and these clients had the added disappointment of being gazumped on the property they were originally buying. 😔

After all the excitement of finding a property and getting everything moving, having it taken away from you is just awful.

Thankfully, they found another property and I was more than happy to help them start the process again and work through the changes with them.

They sent me this lovely message afterwards:

“Thank you so much Jessica. You have helped and supported us so much, and we both are very grateful. Sorry for all the messing around you have had to deal with.”

There was absolutely no need to apologise! ❤️

None of the changes were their fault, and buying a home can be stressful enough without having to start again because you've been gazumped.

For me, being a mortgage broker isn't just about finding the mortgage. It's about being there when things don't go to plan too — helping clients navigate the bumps along the way, making changes when needed and taking some of the stress out of the process.

I'm so pleased they found another property and that I could be there to support them through it. 🏡❤️

06/10/2026

10 weeks. 52 underwriter requests. One very happy couple. 🏡❤️

This one has definitely been a slog.

I recently helped a young couple, first-time buyers, secure a mortgage to buy their dream home and start the next chapter of their lives together.

On paper, this wasn't an easy case.

🔹 They were buying in Northern Ireland, which immediately reduces the number of lenders available.

🔹 Both applicants were self-employed.

🔹 One had recently moved from Ireland and was therefore treated as a foreign national for mortgage purposes.

🔹 There was only one year's accounts available for one of the applicants.

🔹 A significant proportion of their income was received in cash, which meant the underwriter needed a lot of additional evidence and explanation.

🔹 There was also some adverse credit to work through.

🔹 And, on top of everything else, they are expecting their first baby. ❤️

What followed was 10 weeks of back-and-forth and 52 separate requests from the underwriter.

There were times when it would have been very easy to think “this just isn't going to happen.”

But that's not how I work.

I don't give up on a case just because it's complicated.

I worked through every request, went back to the clients when further information was needed, liaised with the relevant people, provided explanations and supporting evidence, and kept pushing the case forward.

And finally…

MORTGAGE OFFER ISSUED! 🎉🏡

The clients are absolutely over the moon — and understandably so.

They can now look forward to moving into their new home and starting their life as a family there.

For me, this is exactly why I do what I do.

It's not always about finding the easiest mortgage.

Sometimes it's about finding a way forward when the obvious route isn't available.

It takes knowledge, patience, attention to detail, perseverance and, sometimes, a whole lot of tenacity!

I never give up easily — and this one was definitely worth fighting for. ❤️

Every client's circumstances are different, and a mortgage is always subject to lender criteria, affordability and satisfactory underwriting.

05/10/2026

🏡 Could 2027 be the year you finally move?

Maybe you've been thinking about moving for a while.

Maybe you need more space.
Maybe your family has grown.
Maybe you've found yourself looking at houses online and wondering "Could we actually afford that?"

Or maybe you've simply been putting it off because you don't know where to start.

You don't need to have found your dream home before speaking to me.

A conversation now could help you understand what you could potentially borrow, what your monthly payments might look like and what you need to do between now and moving day.

So if you're thinking "maybe next year..."

Why not start finding out what's possible?

📩 Send me a message and let's have a chat.

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

04/10/2026

Some lovely clients of mine have just completed on their beautiful new home in the wonderful Isle of Skye! 🏡🏴󠁧󠁢󠁳󠁣󠁴󠁿

They’ve kindly sent me a photo of their gorgeous cottage, and I couldn’t resist sharing it.

What an incredible place! ❤️

Wishing you both every bit of happiness there and many wonderful memories to come.

It’s always so special to see where a mortgage journey ends — and this one has taken my clients to a truly beautiful part of the world.

Congratulations to you both! 🥂🏡❤️

04/10/2026

A very lovely surprise arrived in the post today! 🍫

A huge thank you to one of my clients for the gorgeous box of Thorntons chocolates. ❤️

They had been enjoying a very hard-to-beat fixed rate of just 0.89% for a long period of time, so we knew their next rate was going to be a bit of a shock.

I was able to quickly review the options available, secure a new fixed rate for them and, importantly, lock it in before all the recent rate movement and uncertainty of the last couple of weeks.

It won't replace that incredible 0.89% rate, but securing the best option available at the right time meant we could soften the blow as much as possible.

The chocolates were completely unexpected, but so very appreciated. 🥰

It's moments like this that remind me why I love what I do. Helping people navigate their mortgage and making what can be a stressful process just a little bit easier is exactly why I'm here.

Thank you! 🍫🏡

Every mortgage is different and rates and criteria can change. The above is a general example and not a recommendation or guarantee of future rates.

29/09/2026

What if 2027 is the year you finally make the move? 🏡✨

Whether you’re a first-time buyer, looking to move, or wondering what you could afford, it’s never too early to start exploring your options.

Your dream home might be closer than you think.

📩 Get in touch to chat through your options.

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

Address

Office F1, Beverley Enterprise Centre
Beverley
HU170JT

Telephone

+447832741545

Website

http://www.jessicalaudmortgages.co.uk/

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