Charlie Kimbley at Canford Financial Services

Charlie Kimbley at Canford Financial Services Specialist Mortgage Broker
(1)

Unpopular opinion… 👇Just because you can Klarna it, doesn’t mean you should.These days you can finance almost anything…🍔...
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? 👀

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

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

Why are more people stepping away from fixed rates right now?Simple the gap between tracker and fixed rates is significa...
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

15/04/2026

Flips are DOWN… but here’s the real reason why 👇

Everyone used to talk about flipping like it was easy money
Buy it. Refurb it. Sell it. Profit.

Now?
It’s rare… and there’s a reason for that 👇

The margins have been squeezed to death

• Profits have dropped massively over the last few years
• Average “headline profit” is far lower than people think

And that’s before refurb costs…
Once you factor in the works, that profit can disappear very quickly.

Stamp duty is killing deals

Second home surcharge = up to 5% extra

In a lot of cases…
That alone wipes out a huge chunk of your margin.

So before you’ve even picked up a hammer…
Your deal is already under pressure.

Refurb costs have gone wild

Materials ↑
Labour ↑
Timelines ↑

Budgets are stretching further than ever…
Which means thinner margins and higher risk.

House prices aren’t doing the heavy lifting anymore

Flipping used to rely on a rising market

Now:
• Growth has slowed
• Some areas have dropped

No growth = no safety net.

It only really works in certain areas now

Lower purchase price areas =
✔ Lower stamp duty
✔ More room to add value

Which is why a lot of investors are shifting strategy.

💡 The reality is flipping isn’t dead…
But the “easy money” version of it is.

Now it’s:
✔ Experience
✔ Tight numbers
✔ Strong exit strategy

(Or it can go very wrong… very quickly)

If your deal only works on paper… it’s not a deal

That’s why we look at:
📊 Purchase
🔨 Works
📈 Exit
💰 Real profit (not guesswork)

Want help structuring your next deal properly?
Drop me a message 📩

Always grateful for feedback like this 🤍Helping clients secure the right deal at the right time is so important, especia...
07/04/2026

Always grateful for feedback like this 🤍

Helping clients secure the right deal at the right time is so important, especially when rates are changing so quickly.

Thank you to my clients for trusting me and recommending me, it really does mean a lot ✨

If you’re thinking about buying or remortgaging, or just want to chat through your finances, feel free to get in touch on 07872642004

💡 Got equity but no cash to invest?You don’t need savings…you need a strategy 👀👉 Cross Charge + Second Charge Bridging✔ ...
18/03/2026

💡 Got equity but no cash to invest?

You don’t need savings…
you need a strategy 👀

👉 Cross Charge + Second Charge Bridging

✔ Up to 75% on the purchase
✔ Use equity from another property
✔ Raise your deposit + costs
✔ Keep your existing mortgage in place

🏡 Example:
£200k purchase

✔ £150k bridge (75%)
✔ £50k + costs from your equity

➡️ No cash needed

🔥 Perfect for:
• First-time investors
• Refurbs
• Auctions
• Quick deals

🚨 Equity is useless… if you don’t use it.

📩 DM “START” and we can show you how

There’s a big misconception that you can’t get a mortgage on a holiday let or Airbnb unless you already run one.That’s n...
16/03/2026

There’s a big misconception that you can’t get a mortgage on a holiday let or Airbnb unless you already run one.

That’s not actually true.

Many lenders are happy to consider first-time holiday-let investors — especially if you already own buy-to-lets or have strong income.

What they really look at is:

✔ deposit
✔ projected rental income
✔ location
✔ exit strategy

Like most specialist property finance, choosing the right lender is key.

If you’re thinking about buying a holiday let, Airbnb or serviced accommodation property, we’d be happy to help you explore the options.

📩 DM us
or
📞 07872642004

Commercial mortgages come with their own language and understanding it upfront can make your application smoother, quick...
15/02/2026

Commercial mortgages come with their own language and understanding it upfront can make your application smoother, quicker, and less stressful.

If you’re looking at a commercial or semi-commercial deal, save this post for later 👇

Need help structuring the right finance? We’ll guide you through the strategy AND the jargon.

Address

Bournemouth

Telephone

+447872642004

Website

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