Downton Mortgages and Financial Services

30/10/2026

It was a Halloween 🎃 theme at this weeks' meeting with the Essex Business Forum and look who won the Oscar!

16/09/2026

What does tomorrow’s Bank of England decision mean for your mortgage?

The Bank of England announces its next Base Rate decision tomorrow.

If you're coming to the end of your fixed rate, thinking about moving, or simply wondering whether now is the right time to review your mortgage, it’s worth looking at your own circumstances — not just the headlines.

We’ll be keeping an eye on the announcement and what it could mean for borrowers. But if you want to have a chat about how this affects you, get in touch.

14/09/2026

Monday mood 💤

Whether you’re tackling your to-do list or pretending Monday doesn’t exist, we hope you have a great start to the week.

We think Ralph has the right idea🐾

Happy Monday!

10/09/2026

“We really want to work with you.”

Those five words mean a lot.

Especially when a client goes on to say: “I really appreciated how clear, calm and genuinely helpful you were. It made the whole process feel far less daunting.”

And: “Your personal, responsive style is exactly what we’re looking for.”

They even told us they’d prefer to work with us rather than one of the no-fee brokers.

We completely understand that cost matters. But we also believe that when it comes to something as important as your mortgage and protection, the cheapest option isn't always the best option.

Our job isn't simply to find a deal.

It's to research the market, understand your circumstances, explain your options and give you confidence in the recommendation we're making.

So, when clients tell us they feel looked after, understood and supported, that's the best feedback we could ask for. ❤️

04/09/2026

Some things in life are worth protecting… your home, your family, and apparently, your favourite ball 💚

Whether it’s your mortgage or the people who matter most, we’re here to help make sure you’ve got the right protection in place. If you want to have a chat about your options, please get in touch.

📞 01279 461 324
📧 [email protected]

20/08/2026

🕴Self-employed and worried about getting a mortgage?

Please don’t assume you’ll automatically be turned down. We help sole traders, limited company directors and contractors arrange mortgages every year, and there are often more options available than people expect.

Common questions we’re asked:
❓ “Do I need 3 years of accounts?”
❓ “Can I use retained profits?”
❓ “What if my income has gone up recently?”
❓ “Will lenders only look at my salary?”

Every lender is different, which is why speaking to a broker who understands self-employed income can make such a difference.

📨If this sounds like you, feel free to send us a message for an informal chat.

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

13/08/2026

👋 We thought it was time to properly introduce ourselves!

Many people know Downton Mortgages & Financial Services, but not necessarily the two people behind it.

💙 Clara — mortgage expert, problem-solver and the person who genuinely enjoys making complicated mortgage jargon easy to understand.

💙 Shannon — protection specialist, dog mom/mum and passionate about helping families make sure their homes, income and family are properly protected.

We’re a small local team based in Bishop’s Stortford, and one of the things we’re most proud of is that clients often tell us they feel like they get a personalised service when working with us.

Thanks to all our clients for supporting our little business — it really does mean a lot. 😊

06/08/2026

🏡 Thinking about buying a home in the next 6–12 months?

One of the biggest misconceptions is that you only need to think about your mortgage when you find a property.

A few things you can do right now:
✔ Check your credit score
✔ Avoid taking out new finance if possible
✔ Keep your bank accounts running smoothly
✔ Work out your monthly budget
✔ Speak to a broker early so you know what’s realistic

A little preparation now can make the whole process much less stressful later on.

If you’d like an informal chat about your plans, we’re always happy to help. 😊

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

02/06/2026

When you’re making the biggest financial commitment, you want to work with a mortgage adviser who can put you at ease and make everything easy to understand.

If you need help with your mortgage, or want to know what you need to do to get prepared, get in touch with us for a no obligation chat.

🤳 01279 461324
📨 [email protected]

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

Contact us by phone or email to arrange a no-obligation chat about your mortgage or insurance needs. We look forward to hearing from you.

26/05/2026

Is your mortgage rate coming to an end within the next 6 months?

If so, get in touch so we can discuss your options.

🤳 01279 461324
📨 [email protected]