The Mortgage Department

25/08/2026

Mortgage application submitted. Documents checked. Lender happy. Everyone’s feeling good…

Lender has now asked for the August payslip, I've gone back to the client and he casually announces: “Oh, by the way… I’ve changed my job.” 😂

That tiny detail can cause some BIG headaches if the lender suddenly asks for updated payslips, employment details or proof of income — especially when your old employer is now officially in the past!

Moral of the story: Once your mortgage application is submitted, please don’t make major changes without telling your broker first! Your broker might need to lie down. 👀

05/08/2026

- Met a new client for a mortgage appointment… and the meeting was held in a property I had previously helped another client buy. 😄

It was a bit of a surreal moment walking in and thinking, “Hang on… I know this house!”

From helping someone get the mortgage and collect the keys, to a year later sitting in the same property helping someone else with their mortgage — it’s a small world in the mortgage game!

Always good to see a house I helped someone buy being properly lived in and enjoyed.

08/07/2026

Off out for a work do! Perks of being self-employed:

No awkward small talk.
No arguing over where to eat.
100% chance of winning Employee of the Year.

Downside? It's a party for one... but at least I know I'm good company. 😉

26/06/2026

As part of the mortgage process, your lender will arrange a property valuation to check the property is a suitable security for the loan. This valuation is for the lender, not the buyer, and most lenders don't charge for it.

There are two ways this can happen:
✔️ Physical Valuation – A surveyor visits the property.
✔️ Desktop Valuation – An online assessment with no property visit.

That's why Caveat Emptor ("Buyer Beware") matters. It's great that a desktop valuation means the mortgage gets approved quickly, but always do your own checks and consider an independent survey so you know exactly what you're buying. 👍

19/06/2026

For divorce, separation, mediation, and family court proceedings, a Mortgage Capacity Report may be required by a Judge.
It can provide essential insight into an individual’s ability to secure future housing.

These reports help solicitors, mediators, courts, and individuals understand:

• Whether a person is likely to qualify for a mortgage following separation or divorce.
• The level of borrowing that may be achievable and affordable based on current income, financial commitments, and circumstances.
• Whether either party can realistically rehouse themselves following a settlement.
• How property division and financial settlement negotiations should be approached.
• The housing options available to each party without creating undue financial hardship.

Our professionally prepared Mortgage Capacity Report provides clear, independent, and evidence-based assessments to support informed decision-making whatever your circumstances. 👍

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! 💛