The Mortgage Department

23/05/2026

What do I love most about my job? The amazing people I meet and the unexpected places it takes me! 😁

Today’s journey: First stop in Oldham, helping a lovely couple secure their first home after being told by their previous broker that a mortgage wasn’t possible due to a CEFAS marker, then on to Preston to see a landlord releasing equity to buy more investment properties, and finally finishing the day at the beautiful Pine Lake Resort in Lancaster. 🚗🏡✨

13/05/2026

- Applicants will need to pass strict affordability and credit checks. Those purchasing through shared ownership schemes, new build homes and with gifted deposits are not eligible.

Got a question?

11/05/2026

Resharing this again!

Yes — you can still get a mortgage even if you’re on the CIFAS register!

I’ve successfully helped many clients secure mortgages despite having a CIFAS marker on their record.

When lenders assess your application, we look at the whole picture — not just the marker.
If you’re failing credit checks but your credit report looks clean, it could be due to a CIFAS entry you’re unaware of.

⚠️ What a CIFAS marker means:
If a fraud marker has been placed against you (not a protective one), it can make it difficult to:

- Open bank accounts
- Get loans or credit cards
- Apply for mortgages

These markers can stay on your record for up to 6 years.

If you suspect you’re on the CIFAS register:
- Request a Subject Access Request (SAR) via www.cifas.org.uk
- Find out which organisation placed it and why
- Challenge it if you believe it’s incorrect

If you need guidance on what this means for your mortgage options — speak to a broker. 👍

04/05/2026

Bank Holiday? Never heard of her.

While everyone else is enjoying lie-ins, BBQs and pretending the weather is “actually quite nice,” I’m out here meeting mortgage clients and turning bank holidays into actual bank holidays. 💼🏡

14/04/2026

As the season of harvest and new beginnings arrives, we’re celebrating fresh opportunities, growth, and brighter futures ahead.

Whether you're planting new roots or moving into your dream home, we’re here to help you every step of the way. 🙏

Here’s to new beginnings, prosperity, and happiness for you and your loved ones! 💛

13/04/2026

Brokers will usually ask for your last 3 months’ payslips if you’re employed — but that doesn’t tell the full story.

Turning up with three payslips showing £10k a month from your uncle’s corner shop isn’t going to cut it. When we complete a fact find, we’re looking at a full 2-year employment history to make sure everything stacks up.

Yes, there are rare cases where someone’s recently changed jobs and seen a big jump in income — but in most situations, consistency and credibility are key.

Bottom line: it all has to add up. 👍

01/04/2026

- Millions of families claiming Child Benefit will see an increase in their payments from next week, as HM Revenue and Customs (HMRC) encourages those yet to claim to use the HMRC app or go online to claim theirs today.

Latest figures show that while more than 6.9 million families receive Child Benefit payments, only 72% of families claimed it in their baby’s first year. A Child Benefit claim can only be backdated for up to 3 months from the date your claim is received by HMRC, which means thousands of families are missing out.

AND - child benefit can be used towards mortgage affordability 👍

30/03/2026

Thinking about moving your investment property into a limited company?

It can offer tax advantages, better mortgage interest relief, and make it easier to grow and manage a portfolio. However, it’s not without downsides — there can be upfront costs like Capital Gains Tax and Stamp Duty, and more admin and accounting to handle. Taking profits out of the company can also create additional tax implications.

Bottom line: it can be a smart move, but only if it suits your personal situation—always get professional advice first. 👍

26/03/2026

- Just me and having a fun convo about mortgages at yesterdays IWD Expo 😂
She's currently on the apprentice if you've been watching! 👌

25/03/2026