Charlie Kimbley at Canford Financial Services

02/09/2026

How much can I borrow? 🔍

It’s one of the most Googled mortgage questions but an online calculator can only give you a rough idea.

Lenders don’t all assess affordability in the same way. Your income, bonus, overtime, CIS or contract work, credit commitments, dependants, deposit and property type can all change the answer.

That’s why two people earning exactly the same amount could receive very different borrowing figures.

Before you rule out that move or rely entirely on an online calculator let us work out what’s genuinely possible for you

DM us or book a 15-minute chat using the link in our bio.

Your home may be repossessed if you do not keep up repayments on your mortgage.

08/08/2026

Kinda chic… but make it mortgages

Having a broker who actually replies.

Having someone in your corner fighting for that approval.

Going into an auction with the finance already lined up.

Getting the mortgage approved without a decline first. And getting 50+ years of combined mortgage experience for just £495.

Turns out, good mortgage advice is pretty chic after all.

Not your typical mortgage broker. Team Canford.

29/07/2026

🤦‍♀️ “My bank said no…”

We hear it every single week.

The good news? A “no” from one lender doesn’t always mean everyone will say no.

Different lenders assess applications differently.

One may focus heavily on your existing commitments…
Another may take a better view of your income…
Another may understand your circumstances that little bit better.

That’s why we compare the whole market instead of relying on one opinion.

✅ Self-employed
✅ Contractors
✅ Complex income
✅ Buy to Let
✅ Credit blips
✅ Larger loans

Sometimes, the difference between a NO and a YES is simply speaking to the right broker.

📩 If your bank has turned you down, don’t give up just yet. Let’s see what the rest of the market says.

18/06/2026

04/06/2026

Unpopular opinion… 👇

Just because you can Klarna it, doesn’t mean you should.

These days you can finance almost anything…

🍔 Takeaways
💉 Lip filler
👗 Clothes
🎮 Gadgets

Honestly, the world’s gone mad. 😵

What starts as “it’s only £20 a month” soon becomes multiple monthly commitments that add up fast.

And here’s the bit nobody talks about…

Klarna is short-term credit.

When you’re applying for a mortgage, lenders look at your overall financial commitments and spending habits. Lots of buy-now-pay-later agreements can impact affordability and, in some cases, raise questions during underwriting.

I’m not saying never use credit.

I’m saying use it wisely.

If you can’t afford to buy it today, ask yourself whether you really need it.

Your future self (and your mortgage application) might thank you for it. 🙌

What’s the craziest thing you’ve seen offered on finance lately? 👀

04/05/2026

Some lenders will include things like overtime, bonuses, rental income and even child benefit…
Others won’t touch it.

That’s why two people on the same income can borrow completely different amounts.

It’s not about guessing it’s about knowing the criteria and getting it right 💙

DM me BORROW and I’ll give you a real figure

📱 07872642004

30/04/2026

Base rate remains at 3.75% 📊
The Bank of England has held again which means no immediate shock to borrowing costs.

But here’s what matters:
• Fixed rates are still driven by swap rates (not just base rate)
• Lenders have already priced in expectations
• Your current deal could still be uncompetitive

If your rate is ending in the next 6 months, now is the time to review your options not wait.

28/04/2026

Buying, refinancing, investing… it’s a big decision.

You deserve someone who:
✔️ communicates properly
✔️ understands your situation
✔️ fights your corner with lenders

Because this isn’t just a mortgage… it’s your future.

23/04/2026

Why are more people stepping away from fixed rates right now?

Simple the gap between tracker and fixed rates is significant. Even if the base rate increased once or twice, many fixed deals would still work out more expensive overall.

But this isn’t about chasing the lowest rate.
It’s about understanding risk.

Trackers can work brilliantly in the right scenario but only if you’re comfortable with potential movement.

This is where experience matters.
We’ve guided clients through 2008, Brexit, Covid, the mini-budget and everything in between so we don’t just follow headlines, we interpret them.

If your rate is coming to an end, your next move needs to be a considered one, not a rushed one.

Get it right now, and it can save you thousands.

📩 Drop me a message if you want to talk through your options.
📲 07872642004