Gemma at Mortgages For You Ltd

20/06/2025

🙏🏻🙏🏻

🔴 Another completion today and this time for one of our London based clients 🏠🔑🥂

We are always happy to receive nice reviews, but when you have your clients leaving reviews like this one, it does make you realise you must be doing something right👊🏻🤝

Our reviews are what do the talking for us, real people that control their own input into what they decide to say about us 🙏🏻

Consistency over anything else is what we pride our business on ❇️

14/04/2025

🏠 UK Mortgage Market Update – April 2025
Thinking of buying a home? Here’s what you need to know right now: 🏠

We’ve had some big shifts in the mortgage and property market over the past week, and they could work in your favour – especially if you’re a first-time buyer or planning your next move.

1. 🏡 Property Prices Are Rising

According to Rightmove, the average asking price of a UK home has reached a record high of £377,182, up 1.4% from last month. This shows renewed confidence in the market – but it also means acting sooner could save you money.

2. 💷 Mortgage Rates Drop Below 4%

Some major lenders, including Barclays and Coventry Building Society, are now offering fixed-rate mortgage deals under 4% – the lowest we’ve seen in a while. If you’ve got a decent deposit, this could be your chance to lock in a great rate.

3. 🔑 Opportunities for First-Time Buyers

Lenders are rolling out 100% mortgages (no deposit needed for renters), and many sellers are accepting offers below asking price. That means it could be the perfect time to take your first step onto the property ladder!

Need help navigating your options? 🧐

At Mortgages For You, we’re here to make the process simple and stress-free. Whether you’re buying your first home, moving house, or just want a better deal, we’ve got your back 🙏🏻🤝

Send us a message today to see how much you could borrow and what deals are available right now! 📞

07/04/2025

Things we tend to know straight away from having an initial conversation with a new customer 🔴

❇️ How easy or how hard it is going to be finding a lender that will be able to lend based on initial discussions.

❇️ What lender we will go to or at least have 2-3 lenders in mind who we will approach.

❇️ When more information is needed and when we need to ask more questions to get the full picture.

❇️ Whether the customer is being truthful or isn’t telling us everything we need to know.

With us been in the industry for over a decade now, we’ve pretty much seen everything, and the benefit to our clients is that they know we get the job done ✅🤝

Go take a look at our reviews, they will tell you everything you need to know 🔑🏠

30/10/2024

🔴 The budget in a nutshell 🔴

⭕️ SDLT increase for 2nd homes to 5% from tomorrow. Looks like it is for LTD investment companies too.

⭕️ Employers NI increase to 15% and £5k income starting point or for small business £10k

⭕️ CGT to go from 10 to 18% and 20 to 24%. Resi property remains at 24% asset disposal remains at £1mil then taxed at 10% then increasing each year.

⭕️ IHT frozen to 2030
Pensions form part of estate from 2027
APR and BPR from April 26 will apply for first 1mil with 50% relief on values over that.

⭕️ Business rates from 2026 retail, hospitality and leisure paid for by higher value properties. 40% relief next year for these types of businesses up to 110k per business.

⭕️ Draft beer duty cut.

⭕️ Income tax thresholds increase in line with inflation in 2028

Now the biggest cost our current, new and past clients are likely to realise is that from midnight tonight, the additional stamp duty of 5% will apply to second properties 🤦‍♂️

Not even 24hr notice 🤯

07/02/2024

❤️❤️❤️

A big shoutout to Dean Grainger at Mortgages For You Ltd for supporting us and becoming our brand new u11 Reds kit sponsor (our second u11 side). Ourselves at kirton fc and all the kids involved appreciate the support, and without sponsors like this it wouldn’t be possible to see the kids kitted up and enjoying football the way they do!