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CH Mortgages

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Experienced whole of market mortgage and protection brokers covering The Wirral, Chester & North Wales

03/11/2026

🤔 Stay with your lender or switch?

When your current mortgage deal ends, you may have more than one option.
You might be able to:

🔄 Switch to a new deal with your existing lender — often called a product transfer

OR

🏦 Remortgage to a different lender.

Which route is appropriate will depend on your circumstances, the products available, eligibility and the costs involved.

Rather than automatically clicking “switch deal”, it can be worth understanding how the available options compare.

Want help working through it? Send me a message.

You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

❤️ You’ve found THE house.
The kitchen is perfect.
The garden is perfect.
You’re already deciding where the sofa will go.

There’s just one problem…

You haven’t checked whether the mortgage works yet.

Before making an offer, understanding your borrowing position can help you move forward with more confidence.

If you’re planning to move, speak to a mortgage adviser early — ideally before you find the property you want.

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

27/10/2026

💷 Saved your deposit? Brilliant. But don’t forget about everything else.

One mistake first-time buyers can make is putting every penny they’ve saved towards the deposit.

Buying a home can come with additional costs, which may include:

🏠 Solicitor/conveyancing fees
🔍 Surveys
📦 Moving costs
🏦 Mortgage-related fees
🛡️ Insurance
🪑 Furniture and decorating
💷 Stamp Duty, where applicable

Planning for these expenses early can help avoid an unwelcome surprise later.

📌 Save this for when you start planning your first home purchase.

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

22/10/2026

❌ MORTGAGE MYTH: “My credit history isn’t perfect, so I definitely can’t get a mortgage.”

A less-than-perfect credit history doesn’t necessarily mean homeownership is off the table.

Lenders assess applications differently, and what may be unacceptable to one lender could potentially fit another lender’s criteria.

What matters can include:

✔️ What happened
✔️ How long ago it happened
✔️ The amount involved
✔️ Your circumstances now
✔️ The lender’s individual criteria
The key? Don’t guess.

Speak to a mortgage adviser and find out what your options may actually be.

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

19/10/2026

Credit cards, loans, car finance... when the monthly payments stack up, it can feel like you are running to stand still.

Consolidating those debts into a remortgage can sometimes reduce your monthly outgoings. But it means securing the debt against your home, and you could pay more interest over time, so it needs proper advice, not a quick fix.

That honest conversation is exactly what we are here for 📞 0151 203 4417

You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

15/10/2026

👀 Found a lower mortgage rate? Don’t stop comparing there.

The lowest headline rate doesn’t automatically mean the lowest overall cost.

When comparing mortgage options, there may also be:

💷 Arrangement or product fees
🏠 Valuation costs
⚖️ Legal costs
📊 Different repayment amounts
⏳ Different deal periods
💰 Early repayment charges

Some products may include incentives such as free valuations or legal work too.

The important thing is to look at the overall deal, not one number.
Need help comparing your options? Get in touch.

You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.

13/10/2026

🚨 MORTGAGE MYTH: “I’ve banked with them for years, so they’ll give me the best mortgage.”

Not necessarily.

Your existing bank knows your banking history, but that doesn’t automatically mean they’ll offer the most suitable mortgage for your circumstances.

Different lenders have different:

➡️ Lending criteria
➡️ Affordability calculations
➡️ Products
➡️ Attitudes towards different types of income and circumstances

That’s why it can be useful to speak to a mortgage adviser who can assess your circumstances and explore the options available to them.

Sometimes loyalty pays. Sometimes it pays to look around.

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

08/10/2026

🏡 Before you fall in love with a house online, do this first…

Work out what you could realistically afford.

It’s easy to start browsing properties based on the maximum price shown in your search.

But your property budget and your mortgage borrowing aren’t necessarily the same thing.

Before booking a weekend full of viewings, it can help to understand:

💷 How much you may be able to borrow
🏦 What deposit you’ll need
📊 What the monthly repayments could look like
📝 What other buying costs to budget for

That way, you can house-hunt with a clearer idea of your price range.

Save this post if buying your first home is on your radar.

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

06/10/2026

⏰ Your mortgage deal ending might feel months away… but now could be the time to start looking.

Waiting until the last minute to explore your remortgage options can leave you with less time to make an informed decision.

Starting earlier gives you time to:
✔️ Review your existing mortgage
✔️ See what other options may be available
✔️ Consider whether your circumstances have changed
✔️ Understand the costs involved
✔️ Get everything organised before your current deal ends

Your existing lender may also have a new deal available, so it’s worth comparing your options rather than automatically choosing one route.

📩 Mortgage deal ending soon? Get in touch.

You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.

01/10/2026

❌ MORTGAGE MYTH: You need a huge deposit to buy your first home.

One of the biggest things that can stop first-time buyers from even exploring their options is assuming they haven’t saved enough.

The reality? There are mortgages available with smaller deposits, depending on your circumstances and eligibility.

And your deposit is only one part of the picture.

A mortgage adviser can look at your income, commitments, credit history and circumstances to help you understand what may be available to you.

🏡 Don’t rule yourself out before you’ve checked.

Thinking about buying your first home? Get in touch and let’s look at the numbers.

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

Address

2A Victoria House
Birkenhead
CH435TH

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 4pm
Saturday	9am - 5pm

Telephone

+447380495546

Website

http://www.chmortgagesltd.co.uk/

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