Apple Tree Mortgage Services

Apple Tree Mortgage Services Advisers arranging mortgages, equity release & protection. Offering a fully remote service. Read our website reviews!

https://www.appletreemortgageservices.co.uk/reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.

Many lenders allow you to overpay a certain amount each year without any penalties, which can help reduce your balance a...
12/06/2026

Many lenders allow you to overpay a certain amount each year without any penalties, which can help reduce your balance and the amount of interest you pay overall.

However, limits and rules vary between lenders, so it’s important to check what’s allowed on your specific deal.

You may be able to make one-off overpayments or set up a regular monthly overpayment alongside your mortgage.

If you’re considering overpaying and want to understand your options, feel free to get in touch

Friendly, expert mortgage advice — made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments

The footballs back ⚽️🍎Whether you’re in it for the matches or BBQs or just an extra reason to see friends - we’re here f...
11/06/2026

The footballs back ⚽️🍎

Whether you’re in it for the matches or BBQs or just an extra reason to see friends - we’re here for it!

A lot of our clients are juggling big life moments, alongside everything else going on - house moves, remortgages, first homes - and sometimes it can feel a bit like the extra time that never ends.

That’s where we come in. We help keep things moving in the background so you can focus on the important stuff (like who is bringing the snacks)

And as always if you have a question, football or mortgages - drop it below!

Friendly, expert mortgage advise - made simple.



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up with repayments on your mortgage.

When offering on properties, you’ll often hear the terms Agreement in Principle (AIP) or Decision in Principle (DIP).An ...
05/06/2026

When offering on properties, you’ll often hear the terms Agreement in Principle (AIP) or Decision in Principle (DIP).

An Agreement in Principle is an indication from a lender of how much they may be willing to lend you, based on your information.

It’s not a guaranteed offer, but it can give you a clearer idea of your budget and shows estate agents you’re a serious buyer.

Most lenders carry out a soft credit check at this stage, so it usually won’t impact your credit score.

You’ll typically need an AIP in place when making an offer on a property. If you’re starting your property search, this is a great first step.

If you’d like to know more about getting an AIP or what documents and information are required, feel free to get in touch.

Friendly, expert mortgage advice—made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments

A great result for our clients! This was a remortgage with capital raising, submitted and completed in just 16 days — a ...
03/06/2026

A great result for our clients!

This was a remortgage with capital raising, submitted and completed in just 16 days — a smooth and efficient process from start to finish.

This was made possible by everyone working together quickly and efficiently — from our clients, to ourselves, the lender and solicitors.

With the support of our dedicated processor helping to keep everything moving, it shows what can be achieved with the right team in place.

Every case is different, but with the right support, things can move quicker than you might expect.

If you're thinking about your next move or want to understand your options, feel free to get in touch.

Friendly, expert mortgage advice — made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments.

Most lenders require at least 5% of the property value, although putting down a larger deposit (such as 10% or more) can...
29/05/2026

Most lenders require at least 5% of the property value, although putting down a larger deposit (such as 10% or more) can often give you access to better interest rates.

In some cases, there may be options available with a smaller deposit, and there are also schemes that could help depending on your circumstances.

Every situation is different, so it’s always worth exploring what’s available to you and what would work best.

If you would like to know more about your deposit options, get in touch with one of our advisors today.

Friendly, expert mortgage advice—made simple!




You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments

Nothing means more to us than happy clients.We’re so grateful for every review and kind word we receive – it really does...
28/05/2026

Nothing means more to us than happy clients.

We’re so grateful for every review and kind word we receive – it really does mean a lot.

Helping people through what can sometimes feel like a stressful process and making it that little bit easier is always our goal.

Friendly, expert mortgage advice - made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.

Not just the weather heating up ☀️If your mortgage deal is coming to an end, now could be the perfect time to review you...
26/05/2026

Not just the weather heating up ☀️

If your mortgage deal is coming to an end, now could be the perfect time to review your options before moving onto a higher rate

Friendly, expert mortgage advice - made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.

Moving home can feel out of reach when early repayment charges are high — but it’s not always the end of the road.In thi...
22/05/2026

Moving home can feel out of reach when early repayment charges are high — but it’s not always the end of the road.

In this week’s FAQ Friday, we’re sharing one of the options that may be available, and why it’s always worth exploring your situation before making a decision.

Friendly, expert mortgage advice—made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments

More lovely words from our clients 🤍
19/05/2026

More lovely words from our clients 🤍

“I’m self-employed but don’t show much profit… am I stuck?” We hear this a lot.Many business owners quite rightly manage...
15/05/2026

“I’m self-employed but don’t show much profit… am I stuck?”

We hear this a lot.

Many business owners quite rightly manage their income in a tax-efficient way—but when it comes to mortgages, this can sometimes work against you.

Lenders will usually base borrowing on your declared income, which can impact how much you’re able to borrow.

But it doesn’t always mean it’s the end of the road.

Some lenders may take a more flexible view depending on your business, and in certain cases, retained profits can be considered too.

The key is understanding how your income is structured.

If you’re not sure where you stand, we’re here to help 💬

Friendly, expert mortgage advice—made simple!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments

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Botley
SO322DD

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+447585634022

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