EC Mortgage 英國按揭易

EC Mortgage 英國按揭易 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from EC Mortgage 英國按揭易, Mortgage brokers, EC Mortgage Center, 44 Essex Street, Birmingham.

27/08/2026

‎【EC Mortgage 冠名贊助：中秋金龍迎滿月文化市集】

🎉 伯明翰市中心大街首個香港市集！

📅 日期： 2026年9月19日（星期六）
🕙 時間： 上午10時至下午6時
📍 地點： BIRMINGHAM NEW STREET
（ODEON 戲院對出行人街）

我地除咗會喺市中心延開三十檔美食同手作攤位，
更會有BN(O)港人、兼英國中部史上第一條，
傳統十八節大金龍開光巡遊表演。

誠邀你一齊參與呢個歷史時刻！

✨ 活動焦點：

🐉 大型金龍開光儀式及巡遊
🦁 傳統醒獅表演
🍢 特色美食
🛍️ 特色商品、文創及手作

誠邀你共襄盛舉，
同大家共度一個熱鬧難忘嘅中秋節！

冠名贊助：
EC Mortgage 英國按揭易

全力支持：
華南行 Wa Na Hong Oriental Supermarket
同行搬屋
家香移英 - 臘味
琦興餐廳

協力主辦：
伯明翰香港節慶滙
英國港義龍獅團Kong Yee Dragon & Lion Dance Team
West Midlands Hongkonger Support Cic
UK Welcomes Refugees

Self-employed buyers usually do not have a simple income story.You may have strong revenue, smart write-offs, changing d...
07/07/2026

Self-employed buyers usually do not have a simple income story.

You may have strong revenue, smart write-offs, changing deposits, seasonal income, or a business that looks different on paper than it feels in real life.

That does not automatically mean you cannot qualify.

It means your mortgage needs to be reviewed with the right strategy before you apply.

The earlier we look at your income, tax returns, and possible loan options, the fewer surprises you run into later.

Comment or DM me “BOSS” and I’ll tell you what a lender may use for your income.

— EC Mortgage, your Mortgage Self Employed Mortgage Advisor

#英國生活 #英國日常 #英國香港人

22/06/2026

其實好少人會講呢一部分。

當你申請按揭嘅時候，銀行唔單止會核實你嘅收入……
佢哋仲會研究你嘅理財習慣。

因為你嘅銀行月結單，其實講緊一個故事。

唔係睇你係咪「識理財」。
而係睇你嘅財務狀況係咪穩定同有規律。

以下幾種情況，往往會悄悄地亮起紅燈：

💳 戶口經常接近零結餘
即使收入唔低，如果戶口餘額經常跌到好低，都有機會令銀行覺得風險較高。

🚫 遲交款項或付款被退回
即使金額唔大，都可能反映現金流有壓力。

🔁 不明來歷嘅大額存款
銀行通常會要求你解釋資金來源。

💼 出糧紀錄唔一致
銀行入數紀錄需要同糧單資料吻合。

🎰 博彩或高風險交易
尤其係申請按揭前幾個月，更容易引起銀行關注。

大部分銀行都會審查你最近3個月嘅銀行月結單。
而呢3個月，比大部分人想像中更加重要。

你唔需要做到完美。
但你需要保持一致。

最重要嘅係，
你嘅財務狀況要合理、清晰，同埋講得通。

留言「GUIDE」👇

我會邀請你參加一個 10 分鐘免費按揭策略諮詢，
幫你喺正式申請按揭之前，確認財務狀況已經準備就緒，提高批核機會。

Nobody talks about this part.

When you apply for a mortgage, lenders don’t just verify your income…
they study your habits.

Your bank statements tell a story.

Not about whether you’re “good with money.”
But about whether your finances are stable and predictable.

Here’s what quietly raises red flags:

💳 Accounts constantly close to zero
Even strong earners can look risky if balances swing too low too often.

🚫 Late payments or returned transactions
Small fees signal cash flow stress.

🔁 Large unexplained deposits

💼 Payroll inconsistencies
Deposits need to line up with your payslips.

🎰 Gambling or high-risk transactions
Especially right before applying.

Most lenders review your most recent 3 months of statements.
That window matters more than people realize.

You don’t need perfection.
You need consistency.
And you need your financial story to make sense.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate some forms of buy to lets.


有興趣嘅朋友快D報名啦
22/05/2026

有興趣嘅朋友快D報名啦

【⭐探索最新英國按揭及置業資訊】歡迎蒞臨 灣仔會展香港國際移民及置業博覽Booth E18-20 諮詢 EC Mortgage UK了解更多詳情無論你係想移居英國、投資或為子女安排海外升學置業EC Mortgage UK 都有方案幫到你！歡...
17/04/2026

【⭐探索最新英國按揭及置業資訊】歡迎蒞臨 灣仔會展香港國際移民及置業博覽Booth E18-20 諮詢 EC Mortgage UK了解更多詳情

無論你係想移居英國、投資或為子女安排海外升學置業EC Mortgage UK 都有方案幫到你！歡迎預約免費咨詢

【IMPEX2026 香港最具規模環球置業、全球身份、國際教育博覽會】
🌟縱觀世界，越見未來 | 一展匯聚，規模之巔
📅日期：4月18-19日（六、日）10:00 - 19:00
📍地點：香港會議展覽中心5G展廳

EC Mortgage UK 將會係2026年4月18及19日於香港會展國際移民及置業博覧E18-20展位同大家見面 現場解答你英國置業及按揭問題 另外我地仲有以下講座 歡迎預約 到時見！提前Scan以上QR code免費及免登記入場Apr...
07/04/2026

EC Mortgage UK 將會係2026年4月18及19日於香港會展國際移民及置業博覧E18-20展位同大家見面 現場解答你英國置業及按揭問題 另外我地仲有以下講座 歡迎預約 到時見！提前Scan以上QR code免費及免登記入場

Apr 18 (Sat) 13:15-13:45 移英攻略 - 低於£40萬英鎊預算 大曼城區邊度最啱自住？如何利用英國按揭置業及申請條件
🔗https://impex.register.eventlyte.com/register/information?session=83D2ED19-71B5-4B59-11E4-08DE84959367

Apr 19 (Sun) 12:30-13:00 投資英國 首選曼城- 10年計劃 利用英國BTL按揭資產增值可達5倍
🔗https://impex.register.eventlyte.com/register/information?session=0891BA3B-B2FB-4D76-11E5-08DE84959367

#香港國際移民及置業博覧

EC Mortgage英國9成按揭自住物業按揭攻略Webinar -2026年4月12號星期日英國時間晚上8pm 🔔 🔔 Bank of England 維持3.75%利率不變 但中東戰事持續 對係英國嘅港人置業有冇影響？越来越多港人係英國...
20/03/2026

EC Mortgage英國9成按揭自住物業按揭攻略Webinar -2026年4月12號星期日英國時間晚上8pm 🔔 🔔

Bank of England 維持3.75%利率不變 但中東戰事持續 對係英國嘅港人置業有冇影響？越来越多港人係英國安居樂業 如果想置業但首期預算又唔夠 點先做到9成按揭? 如果你準備置業又唔清楚可唔可以做到Mortgage? 歡迎參加我地嘅免費按揭Webminar!

我地仲會有嘉賓同大家分享英國樓市走勢 到時見

報名: https://docs.google.com/forms/d/e/1FAIpQLScBNVaST7NlhMe2iqDBT4XbXaRNoSv-ky9DWyHw6D2THPQC8g/viewform?usp=publish-editor

EC Mortgage將會同大家online免費分享
1）BNO Visa 9成按揭按揭申請要求 最新優惠分享
2）Affordability點計? 最多可以借幾多？
3) 常見影響申請原因及Credit Score
4）嘉賓分享
5) Q&A

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate some forms of buy to lets.

#英國按揭 #英國買樓 #英國收租 #9成按揭

如果你嘅按揭計劃即將完結，或者想加按提取部分物業資金，提早準備轉按（Remortgage）會更安心。我哋會根據你嘅情況，協助你了解市場上可考慮嘅選擇，一步一步講解流程，令整個過程更清晰。以下幾個小貼士可以幫你開始準備：🔹 尋求專業意見預約諮...
22/02/2026

如果你嘅按揭計劃即將完結，或者想加按提取部分物業資金，
提早準備轉按（Remortgage）會更安心。

我哋會根據你嘅情況，
協助你了解市場上可考慮嘅選擇，
一步一步講解流程，令整個過程更清晰。

以下幾個小貼士可以幫你開始準備：

🔹 尋求專業意見
預約諮詢，了解適合你情況嘅按揭安排。

🔹 提早規劃
一般建議可提早約六個月開始準備，預留時間作比較及申請。

🔹 整理財務狀況
留意信用評分，避免申請新信貸或進行大型消費，有助保持良好申請條件。

🔹 準備所需文件
包括身份證明、地址證明及收入證明，提早整理可節省時間。

🔹 自僱人士注意
通常需要提供較多收入證明（例如過往年度報表）。部分貸款機構接受較短年期紀錄，視乎個別情況而定。

📍 英國按揭專業支援
📞 歡迎預約免費初步諮詢

It pays to shop around to get the best value – whether it’s saving money when finding a new broadband deal, changing to a cheaper energy provider or reducing the premium on your car insurance.

Mortgages are just the same – if your initial fixed term period is coming to an end, or you’re looking to release a sum of money for a big project, then it’s worth getting prepared upfront for a remortgage. We’ll help you find the right deal for you, and to help kickstart, here’s a few handy tips on how you can get the process going:

• Seek expert assistance – contact us today for bespoke, expert advice. We’ll listen to your needs, guide you through the process and recommend only the most suitable remortgage deals to allow you to save money and fulfil your dreams.
• Plan ahead – allow up to six months for a remortgage to take place, giving time for research and decision making for what you’re looking for alongside the process of applying for a remortgage itself.
• Plan your finances – just as for applying for your first mortgage, it pays to make sure your finances are truly in order. Check your credit score, don’t apply for any new credit, avoid any large purchases, avoid payday loans or overdrafts at all costs to boost your chances of quick acceptance for a remortgage.
• Get your documents in order – just as for your first mortgage, documents will be required to prove your identity, current address and proof of income – save time by gathering your documents together upfront.
• If you’re self-employed – you’ll need to show additional proof of income with three years history although some lender will accept one year history. You can aid your application by showing future workload and incoming revenue stream.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate some forms of buy to lets.

購買新屋好多人都容易忽略當中可能需要支付嘅一啲重要開支。今次我哋會為大家講解，當你搬屋或購買物業時，點樣計算你可能需要繳付嘅印花稅（Stamp Duty）。印花稅係購買物業時可能需要繳付嘅一種稅項。喺英格蘭及北愛爾蘭（截至2025年4月），...
18/02/2026

購買新屋好多人都容易忽略當中可能需要支付嘅一啲重要開支。

今次我哋會為大家講解，當你搬屋或購買物業時，點樣計算你可能需要繳付嘅印花稅（Stamp Duty）。

印花稅係購買物業時可能需要繳付嘅一種稅項。喺英格蘭及北愛爾蘭（截至2025年4月），凡購買樓價超過 £125,000 嘅物業，都需要繳付相關稅款。至於蘇格蘭，稅制略有不同，但概念相同，當地稱為「Land and Buildings Transaction Tax」；而威爾斯則稱為「Land Transaction Tax」。

想知道自己需要繳付幾多稅款，其實好簡單 —— 你可以使用政府官方提供嘅網上計算機，按你所居住嘅地區查閱：

• 英格蘭及北愛爾蘭：
https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/ #/intro

• 威爾斯：
https://gov.wales/land-transaction-tax-calculator

• 蘇格蘭：
https://revenue.scot/calculate-tax/calculate-property-transactions

（以上連結截至2025年4月為準，最新資料請參閱官方政府網站。）

搬屋涉及唔同範疇嘅財務安排，我哋可以為你提供全面專業建議，幫助你更清晰了解整個流程。
歡迎立即預約諮詢，讓我哋為你詳細講解。

⚠️ 重要聲明：
如未能按時償還按揭供款，你的物業可能會被收回。

我們的按揭建議服務或會收取費用，實際金額視乎個別情況而定，預計為 £499 產品轉按（Product Transfer）則不收取顧問費。

資料來源：
GOV.UK (2025). Stamp Duty Land Tax
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates

With the excitement of buying a new home, it can be easy to overlook some of the big payments you may have to make as part of the process.

Here we help explain how you can calculate the Stamp Duty you might have to pay when you move home.

Stamp Duty is a tax that may be payable when buying your home, in England and Northern Ireland (as of April 2025), any property over £125,000 is subject to a tax. In Scotland, there’s a slightly different policy, but the concept is the same – it’s known as Land and Buildings Transaction Tax, or Land Transaction Tax in Wales1.

There’s an easy way to find out how much tax you might have to pay on your property sale – simply take a look at these Government calculators for your respective country of residence.

• England & Northern Ireland: https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/ #/intro

• Wales: https://gov.wales/land-transaction-tax-calculator

• Scotland: https://revenue.scot/calculate-tax/calculate-property-transactions

(These links are correct as of April 2025. Please visit the official government sites for up to date information).

We advise on a wide range of topics when helping you move home, so speak to us to get a clearer picture. Book an appointment today.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate it will be £499 We do not charge a fee for product transfers.

Source:
GOV.UK (2025). Stamp Duty Land Tax. Available at: https://www.gov.uk/stamp-duty-land-tax/residential-property-rates

All the information in this article is correct as of the publish date 29th August 2024. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content, and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.
Please be aware that by clicking on to any of the above links you are leaving our website. Please note that neither we nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

英倫銀行減息想趁機會買樓？轉按？定係第一次上車？EC Mortgage提供專業、清晰嘅按揭意見，因應你嘅情況幫你了解可行方案。全程解釋清楚，無壓力，無隱藏收費。(廣東話及英語）📍服務全英國 （包括Scotland N.Ireland)📞 ...
21/12/2025

英倫銀行減息想趁機會買樓？轉按？定係第一次上車？
EC Mortgage提供專業、清晰嘅按揭意見，因應你嘅情況幫你了解可行方案。
全程解釋清楚，無壓力，無隱藏收費。(廣東話及英語）
📍服務全英國 （包括Scotland N.Ireland)
📞 網上預約或親臨我地Birmingham門市免費諮詢
http://www.EcMortgage.co.uk
0121 320 2038
Office: Unit 3D, 44 Essex Street, Birmingham, B5 4TR

EC Mortgage provides professional and transparent mortgage advice, tailored to your individual circumstances, helping you understand the options that may be available to you.

We offer:

Clear explanations throughout the process

A relaxed, no-pressure approach

No hidden fees

Support in Cantonese and English

📍 Serving clients across the UK, including Scotland and Northern Ireland

📞 Free initial consultation available
Book online or visit our Birmingham office to discuss your situation.

🌐 www.ecmortgage.co.uk

📞 0121 320 2038
📍 Office: Unit 3D, 44 Essex Street, Birmingham, B5 4TR

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate it will be £599 (Include VAT). We do not charge a fee for product transfers.
#英國按揭
#英國置業
#英國買樓攻略
#英國按揭資訊
#英國生活

Address

EC Mortgage Center, 44 Essex Street
Birmingham
B54TR

Telephone

+447537175818

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