Tess - Mortgage & Protection Adviser, Birmingham (2026)

08/06/2026

I am so happy for my clients Ewa and Jamie 😍🏡

The clients have 6 x defaults (satisfied) and 13 x missing payments showing on their credit reports from over 3 years ago. They had more than a 15% deposit ready and I got their mortgage agreed with a High Street lender. I submitted their mortgage on the 12th of May 2026 and their mortgage got offered on the 26th of May 2026 at an interest rate of 4.82%.

Comment “FIRST” if you want to find out how much you can borrow and how much deposit you will need.

Follow for more mortgage information and tips 🏡

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

07/06/2026

What a stunning review from my client Ewa that’s brought her first home with her partner Jamie 😍🏡

The clients have 6 x defaults (satisfied) and 13 x missing payments showing on their credit reports from over 3 years ago. They had more than a 15% deposit ready and I got their mortgage agreed with a High Street lender. I submitted their mortgage on the 12th of May 2026 and their mortgage got offered on the 26th of May 2026 at an interest rate of 4.82%.

I am so happy for you guys, congratulations 🏡

Comment “FIRST” if you want to find out how much you can borrow and how much deposit you will need.

Follow for more mortgage information and tips 🏡

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

07/06/2026

What a stunning review from my client Ewa that’s brought her first home with her partner Jamie 😍🏡

The clients have 6 x defaults (satisfied) and 13 x missing payments showing on their credit reports from over 3 years ago. They had more than a 15% deposit ready and I got their mortgage agreed with a High Street lender. I submitted their mortgage on the 12th of May 2026 and their mortgage got offered on the 26th of May 2026 at an interest rate of 4.82%.

I am so happy for you guys, congratulations 🏡

Comment “FIRST” if you want to find out how much you can borrow and how much deposit you will need.

Follow for more mortgage information and tips 🏡

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

04/06/2026

Here are the monthly costs of the new £5,000 deposit mortgage product.

£5,000 deposit. No tricks. No catches. Just a real chance to buy your first home.

_________________________________________________

Who can apply?
• First-time buyers only with a deposit of £5.000.
• You are aged 18 or over.
• The property you want to buy is worth between £102,000 and £300,000.
• The property will be your only residence.

_________________________________________________

Who can’t apply?
* If your deposit has been gifted to you, rather than your own savings.
* If you want an interest only mortgage.
* The property you want to buy is a new build home.
* You already have, or have previously had a mortgage.
* If you want to buy with a help to buy scheme, such as shared. equity, shared ownership and Right to Buy, you won’t be able to apply for the £5k Deposit mortgage.

_________________________________________________

Things to think about…
* High loan-to-value ratio. If you have a high loan-to-value ratio and the value of your property falls, you could owe more money on the mortgage than the property is worth. This is known as negative equity.
* Monthly mortgage repayments may be higher if you have only paid a £5,000 deposit.
* If you pay a larger deposit, you may get a lower interest rate.
* You can borrow upto 4.5 x your annual income.
* Self employed? You will need 2 years trading and SA302’s.
* 5-year fixed product around 5.89% with no fee (current launch pricing).

_________________________________________________

What credit score do you need?
With only a £5k deposit, lenders usually become stricter on credit history because there’s very little equity buffer. Someone with:
* a couple of old late payments may still pass
* recent defaults/CCJs usually struggles with mainstream lenders and may need a specialist lender plus a bigger deposit.

_________________________________________________

Want to see if you can apply? ⬇️

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

01/06/2026

Another lender has launched a £5,000 deposit mortgage 😍🏡✨

£5,000 deposit. No tricks. No catches. Just a real chance to buy your home.

_________________________________________________

Who can apply?
• First-time buyers only with a deposit of £5.000.
• You are aged 18 or over.
• The property you want to buy is worth between £102,000 and £300,000.
• The property will be your only residence.

_________________________________________________

Who can’t apply?
* If your deposit has been gifted to you, rather than your own savings.
* If you want an interest only mortgage.
* The property you want to buy is a new build home.
* You already have, or have previously had a mortgage.
* If you want to buy with a help to buy scheme, such as shared. equity, shared ownership and Right to Buy, you won’t be able to apply for the £5k Deposit mortgage.

_________________________________________________

Things to think about…
* High loan-to-value ratio. If you have a high loan-to-value ratio and the value of your property falls, you could owe more money on the mortgage than the property is worth. This is known as negative equity.
* Monthly mortgage repayments may be higher if you have only paid a £5,000 deposit.
* If you pay a larger deposit, you may get a lower interest rate.
* You can borrow upto 4.5 x your annual income.
* Self employed? You will need 2 years trading and SA302’s.
* 5-year fixed product around 5.89% with no fee (current launch pricing).

_________________________________________________

What credit score do you need?
With only a £5k deposit, lenders usually become stricter on credit history because there’s very little equity buffer. Someone with:
* a couple of old late payments may still pass
* recent defaults/CCJs usually struggles with mainstream lenders and may need a specialist lender plus a bigger deposit.

_________________________________________________

Want to see if you can apply? ⬇️

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

01/06/2026

Another lender has launched a £5,000 deposit mortgage 😍🏡✨

£5,000 deposit. No tricks. No catches. Just a real chance to buy your home.

_________________________________________________

Who can apply?
• First-time buyers only with a deposit of £5.000.
• You are aged 18 or over.
• The property you want to buy is worth between £102,000 and £300,000.
• The property will be your only residence.

_________________________________________________

Who can’t apply?
* If your deposit has been gifted to you, rather than your own savings.
* If you want an interest only mortgage.
* The property you want to buy is a new build home.
* You already have, or have previously had a mortgage.
* If you want to buy with a help to buy scheme, such as shared. equity, shared ownership and Right to Buy, you won’t be able to apply for the £5k Deposit mortgage.

_________________________________________________

Things to think about…
* High loan-to-value ratio. If you have a high loan-to-value ratio and the value of your property falls, you could owe more money on the mortgage than the property is worth. This is known as negative equity.
* Monthly mortgage repayments may be higher if you have only paid a £5,000 deposit.
* If you pay a larger deposit, you may get a lower interest rate.
* You can borrow upto 4.5 x your annual income.
* Self employed? You will need 2 years trading and SA302’s.
* 5-year fixed product around 5.89% with no fee (current launch pricing).

_________________________________________________

What credit score do you need?
With only a £5k deposit, lenders usually become stricter on credit history because there’s very little equity buffer. Someone with:
* a couple of old late payments may still pass
* recent defaults/CCJs usually struggles with mainstream lenders and may need a specialist lender plus a bigger deposit.

_________________________________________________

Want to see if you can apply? ⬇️

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

30/05/2026

It feels so good to be back in the office 😍🏡

📞 07572 580920⁣⁣⁣⁣⁣
📲 https://wa.link/tessmortgageadviser
📧 [email protected]⁣⁣⁣⁣⁣
🌎 https://linktr.ee/TessMortgage

Tess - Mortgage & Protection Adviser

08/06/2026

07/06/2026

07/06/2026

04/06/2026

01/06/2026

01/06/2026

30/05/2026

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