SB Mortgages

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SB Mortgages

Your go-to mortgage adviser. First-time buyers, remortgaging, movers and buy to lets. Based in Berkshire | Helping clients across the UK 🇬🇧

03/09/2026

How much can I actually borrow for a mortgage? 🏡

It's probably one of the questions I get asked the most.

And unfortunately, it's not as simple as taking your salary and multiplying it by 4 or 4.5.

Two people earning exactly the same amount could potentially have very different mortgage affordability.

Why?

Because lenders look at much more than just your salary.

Your deposit, credit commitments, childcare, loans, car finance and even how your income is made up can all make a difference.

Self-employed?
Receiving benefit income?
Overtime?
Bonus or commission?

Different mortgage lenders can treat these types of income differently — and their affordability calculations aren't all the same either.

That's why an online mortgage calculator can be useful for a rough idea, but it isn't necessarily your answer.

Sometimes it's not about whether you can borrow enough.

It's about finding the lender whose criteria fit your circumstances.

So if you're thinking about buying a home and wondering “How much mortgage can I borrow?”, don't rely on a calculator alone.

Save this post for when you're ready to start looking 🏡

And follow me for straightforward UK mortgage and protection advice without the jargon.

28/08/2026

A mortgage is probably the biggest financial commitment you'll ever make.

So I don't think choosing a mortgage adviser should just come down to who can find you a rate.

You need someone who actually listens.

Someone who'll explain things without making you feel like you should already know the answer.

Someone who'll tell you when something isn't right for you — even if that's not what you were hoping to hear.

And someone who remembers that behind every mortgage application is an actual person with plans, worries, families, budgets and a life they’re trying to build.

Yes, finding the right mortgage is important.

But for me, how you're looked after along the way matters just as much.

I want my clients to feel like they can ask me the "silly" question, send me the panicked message, or pick up the phone when something doesn't make sense.

No judgement. No jargon. No conveyor-belt service.

Just proper mortgage advice from someone who's genuinely in your corner. 🤍

If you're thinking about buying your first home, moving house or remortgaging, you don't have to be ready to apply to have a conversation.

📩 DM me MORTGAGE and we can have a chat.

26/08/2026

This is exactly why I love what I do. 🏡🤍

It’s never just about finding a mortgage.

It’s about answering the questions that feel small but really matter. Keeping you updated. Explaining what’s happening. And sometimes… helping you realise that the home you thought was out of reach might actually be possible. 🥹

Receiving feedback like this genuinely means so much — especially knowing I’ve helped a family secure a home they didn’t think they could afford.

Real people. Real circumstances. Real results.

If you’re thinking about buying, moving home or remortgaging and you’re not sure what’s possible, don’t rule yourself out before you’ve spoken to someone.

📩 Send me a message and let’s have a chat.

24/08/2026

Protection isn't just something you sort when you get your mortgage and then forget about. 👀

Because life changes.

You change jobs.
Your income increases.
You have children.
You move home.
You take on more borrowing.
You become self-employed.

And suddenly, the protection you arranged years ago might not actually reflect your life now.

It’s also not just about life insurance.

Your income is what pays the mortgage, the bills, the food shop, the car and all the everyday things your family relies on.

So when I talk to clients about protection, it isn't about trying to sell them every type of cover available.

It's about looking at what would have the biggest financial impact if something happened and finding the right balance between the cover they need and what they can comfortably afford.

💭 When did you last review yours?

If you can't remember, it might be worth a conversation.

📩 Drop me a message for a no-obligation chat.

21/08/2026

Buying a home? 🏡 There’s a LOT of mortgage advice online… and not all of it tells you the full story. 👀

A bigger deposit doesn’t automatically mean you can borrow more.

The lowest mortgage rate isn’t always the best deal.

And one lender saying no definitely doesn’t mean they’ll all say no.

After 20 years in mortgages, one thing I can tell you is that no two mortgage applications are the same.

Your income, deposit, credit history, commitments, the property you’re buying and your future plans all play a part.

That’s why I’ll always look at the whole picture rather than just finding the lowest rate on a screen.

📌 Buying or moving home in the next 6–12 months? SAVE this for later.

➕ FOLLOW for straightforward mortgage advice without the jargon.

And if you want to know what your own mortgage options could look like, drop me a DM with the word HOME 🏡

20/08/2026

GCSE results day… I think I was more nervous than she was 😂

So incredibly proud of Taylor today ❤️

She absolutely smashed her GCSE's and all that hard work has paid off 👏

She’s had a few extra challenges along the way, which makes seeing her so happy with her results even better.

Now hopefully it’s onto the next chapter studying Animal Management 🐾 although as a mortgage broker, obviously I’m already thinking about when she’s moving out 😂🏡

Very proud Mum today ❤️

Address

Bracknell

Telephone

+447791870898

Website

http://www.roxboroughmortgages.co.uk/

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