Downton Mortgages and Financial Services

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]

19/05/2026

Are you someone who says, ‘I’ll sort my mortgage later’?

If so, just remember – later might mean that you either miss out on a lower interest rate or you end up spending more money on a standard variable rate (SVR) than you need to.

Don’t wait until later, get in touch to chat through your options.

12/05/2026

Thinking about shared ownership but not sure if it’s actually a good idea?

It’s often sold as an easy way onto the property ladder—but the reality isn’t always that simple. You could end up paying both rent and a mortgage, with more restrictions than you’d expect.

I’ve broken it all down in plain English—no fluff, just the pros, cons, and what other options you might want to consider 👇

Visit our website to read the full blog.

If you’re weighing up your options or just want a second opinion, feel free to get in touch 01279 461324.

30/04/2026

A lovely morning at Essex Business Forum today, making candles with the wonderful Sally Waters from Elan Home Fragrances. Great company, lots of creativity, and such a fun way to start the day.

06/01/2026

Happy New Year everyone💥

As we begin 2026, we’re looking ahead with focus, gratitude, and excitement for the year ahead.

Thank you to everyone who has supported us in 2025. Wishing you all a year full of happiness and good health.