Sarah Longe - Mortgage Adviser

Sarah Longe - Mortgage Adviser Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Sarah Longe - Mortgage Adviser, Mortgage brokers, Birmingham.

Hi I'm Sarah, a mortgage and protection adviser, based in Birmingham.

🏠 First time buyers
🏠 Remortgages
🏠 Landlords & much more...

Get in contact via phone📞email💻or direct message📲 so we can find the most suitable deal for you.

24/10/2025

First-time buyer FRIDAY 📣

Ready to buy your first home? Here’s how the mortgage process really works, in a quick step-by-step 👇

1️⃣ Get ready – Check credit, save deposit, and gather documents like payslips, bank statements etc.
2️⃣ Talk to an expert adviser – Find out what you can borrow & most suitable deals available.
3️⃣ Agreement in Principle – Shows you’re serious to lenders & sellers.
4️⃣ Find your home – Make an offer on your dream property.
5️⃣ Full application – Lender reviews docs & values the property.
6️⃣ Mortgage offer & legal processes – Once approved, Solicitor handles contracts & searches.
7️⃣ Completion – Contracts exchanged, funds released, keys handed over - you’re a homeowner! 🎉

Buying your first home doesn’t have to be confusing - with the my expert advice, it’s a smooth journey from start to keys! 🛣️ 🔑

The thought of remortgaging can be daunting, but it doesn’t have to be...✋As an expert broker, I can take the fear out o...
22/10/2025

The thought of remortgaging can be daunting, but it doesn’t have to be...✋

As an expert broker, I can take the fear out of the process - helping you find a deal that fits you and your personal needs!

I'll guide you through every step, explain your options clearly, and help you save where it counts. Because when it comes to mortgages, there’s nothing to fear when you’ve got the right advice. 💀

Reach out today and see how stress-free remortgaging really can be 👀
📞 Call
💻 Email
📱 Send a DM

First-time buyer FRIDAY 📣 Have you thought about buying a new-build home? 🧱 They’re shiny, stylish, and 'brand-new' - bu...
17/10/2025

First-time buyer FRIDAY 📣

Have you thought about buying a new-build home? 🧱 They’re shiny, stylish, and 'brand-new' - but what’s the real deal? Let’s have a look 👇

✅ The perks:
• Everything’s brand new — no renovations, no surprises!
• Super energy-efficient, meaning lower bills and a greener footprint.
• Many developers offer incentives — think help with fees, upgrades, or part-exchange deals.
• Plus, you’ll get warranties and fewer maintenance worries for years to come.

⚠️ Potential downsides:
• New-builds can come with a premium price tag compared to similar existing homes nearby.
• Some properties may lose value slightly once you move in, especially if lots of new homes are being built nearby.
• Build delays can happen, so it’s key to keep your mortgage offer timeline in check.

Working with a specialist mortgage adviser (that’s me 👋) who understands new-builds can help you manage timelines, lender criteria, and incentives - making the process smooth from start to finish. 🙌

Halloween is creeping closer… and so is the end of your mortgage deal 😱You’re probably thinking - what now? what’s the c...
12/10/2025

Halloween is creeping closer… and so is the end of your mortgage deal 😱

You’re probably thinking - what now? what’s the cost? is it a nightmare to sort out?
👻 But don’t be spooked - it’s easier (and far less scary) than you think!

Reach out today and see how stress-free remortgaging really can be 👀
📞 Call me
💻 Email me
📱 Send a DM

🏡 First-time buyer FRIDAY 📣Let's talk... getting a mortgage whilst self-employed 🤔For most self-employed buyers, applyin...
10/10/2025

🏡 First-time buyer FRIDAY 📣
Let's talk... getting a mortgage whilst self-employed 🤔

For most self-employed buyers, applying for a mortgage is much simpler than it seems. You’ll usually need to provide the same proof of income and financial stability as an employed applicant - and if your accounts are well-managed, you shouldn't encounter many challenges.

Here’s what you need to know 👇
✅ You’ll need to prove your income, but you get judged on tax returns, profits and consistency instead of payslips.
📊 Lenders usually want 2+ years of accounts. Some may accept one year in special cases, but that narrows your options.
🧾 You'll need to show SA302 forms or tax overviews, certified accounts, and bank statements, along with ID and proof of address.
📈 For sole traders, lenders usually average your net profit over the last two years. If you’re a contractor or limited company director, they’ll look at your salary and dividends, or your share of company profits.

Working with a specialist mortgage adviser experienced in dealing with self-employed applicants can be immensely helpful. I can help you understand the process of self-employed income verification and can guide you through the application process easily. 🙌

In the majority of cases, the mortgage process for a new build isn’t any different to that of an older property. Here’s ...
08/10/2025

In the majority of cases, the mortgage process for a new build isn’t any different to that of an older property. Here’s your simplified roadmap to getting a mortgage for one: 🗺️

1️⃣ Get a Mortgage in Principle to show you what you can afford.
2️⃣ Visit show homes & talk to builders to check plot availability and completion dates.
3️⃣ Negotiate developer incentives - these could include waived fees, fixtures, even appliances.
4️⃣ Reserve your home with a reservation fee to lock down your plot.
5️⃣ Apply for the mortgage (generally, your offer lasts ~6 months).
6️⃣ Speak to solicitor - your solicitor will finish the legal side with the developer so you’re officially locked in.

Want help navigating the process? Get in touch today! 📞

🏡 First-time buyer FRIDAY! 📣Let's chat about... the affects of gambling on your mortgage application 🎰🎲Some lenders have...
03/10/2025

🏡 First-time buyer FRIDAY! 📣
Let's chat about... the affects of gambling on your mortgage application 🎰🎲

Some lenders have strict criteria, and regular betting activity may make them cautious. After all, you wouldn't want to lend money to someone who might struggle to pay it back. That’s why it’s worth knowing how your spending habits might impact your application. 😬

When lenders carry out affordability checks, they usually review your last 3–6 months of bank statements, and any gambling in this period will show up. The key concern for lenders is whether gambling could push you into debt. If you’re only using your own money and not relying on credit, it’s less likely to be a problem. 👍 But if you’re worried, consider reducing your gambling or stopping completely before applying.

If you're worried that you or someone you known might have an issue with gambling, it's important to visit https://www.gambleaware.org/ for confidential help and support.

🏡 First-time Buyer FRIDAY! 📣Today we’re tackling one of the biggest questions... your credit score! 💳Put simply, your cr...
26/09/2025

🏡 First-time Buyer FRIDAY! 📣

Today we’re tackling one of the biggest questions... your credit score! 💳

Put simply, your credit score reflects how you’ve managed money in the past, and lenders will use your score to judge “loan worthiness”. It’s based on your credit report, which includes your bank account use, electoral register info, bankruptcies, and records of credit (loans, mortgages, overdrafts, etc.) from the last six years. 💯📉

However, a low score doesn’t always mean bad money management — sometimes it’s simply because you have no credit history. If your score is low, here are some ways to build it before applying for a mortgage:
📝 Register to vote
📝 Avoid payday loans and “pay-in-3” services
📝 Consider joint accounts if you live with a partner

Move or improve? 🤔🛠️ As property values fluctuate and lifestyle preferences change, homeowners are faced with the decisi...
24/09/2025

Move or improve? 🤔🛠️ As property values fluctuate and lifestyle preferences change, homeowners are faced with the decision of whether to invest in their current property or relocate.

Pros of IMPROVING ✅
💡 Sentimentality and personalisation - Tailor your living space to fit you!

💡 Market changes - Control the value of your home through renovations, rather than relying on market conditions to determine selling price!

💡 Potential to be cost-effective - Many home improvements can often be more cost-effective than purchasing a new home!

Pros of MOVING ✅
💡 Property value - If the housing market is favourable, selling could yield a substantial profit!

💡 Lifestyle changes - Families grow and lifestyles change, your current home may no longer suit you!

💡 Fresh start - A fresh start in a new environment, sometimes it's just time for a change!

If you need more advice on whether you should improve your home or move, give me a call today!📞

🏡 First-time Buyer FRIDAY! 📣Clearing up the questions every first-time buyer asks – today we're discussing… Gifted depos...
19/09/2025

🏡 First-time Buyer FRIDAY! 📣

Clearing up the questions every first-time buyer asks – today we're discussing… Gifted deposits! 🎁

A gifted deposit is money given to you, usually by family, to help with your house deposit. 💰 This is money given to you with no expectation of being paid back, and the giver has no stake in your home. It’s more common than you might think — over a third of first-time buyers in the UK rely on one!

Lenders will usually ask for a gifted deposit letter confirming who’s gifting the money, how much they’re giving, and an understanding that this money doesn't need to be paid back. 📰 They’ll also want proof that the funds are genuine and legal, such as bank statements. One thing to keep in mind is inheritance tax - if the person gifting passes away within 7 years, tax could apply.

Used correctly, a gifted deposit can be a huge boost to your buying journey, making homeownership that bit more achievable. 🧡 🏡

📣 The Bank Rate has held at 4%.Here’s what it means for you: 🏡 First-Time Buyers – Steady rates and helpful government s...
19/09/2025

📣 The Bank Rate has held at 4%.

Here’s what it means for you:

🏡 First-Time Buyers – Steady rates and helpful government schemes mean now could be a great time to get on the property ladder.
🔑 Remortgagers – If your mortgage is coming up for renewal, now is a great time to compare deals.
🏘️ Landlords – Your variable-rate mortgage payments remain stable.

👉 Whatever your situation, our advisers can help you plan your next step with confidence.

While you do not need to take out a life insurance policy in order to get a mortgage, having one in place can be very he...
17/09/2025

While you do not need to take out a life insurance policy in order to get a mortgage, having one in place can be very helpful. Life insurance is an essential tool if you’re looking to build a financially stable future for you and your loved ones. 👨‍👩‍👧‍👦

1️⃣ Protect your family's future
2️⃣ Say goodbye to sleepless nights
3️⃣ Secure your childrens future
4️⃣ Leave a legacy
5️⃣ Peace of mind

Financial resilience means having plans in place to help if something happens to you, whether it's paying for monthly costs while you recover from illness or giving your family peace of mind. 🛡️

Address

Birmingham

Website

Alerts

Be the first to know and let us send you an email when Sarah Longe - Mortgage Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category