Erjona Braqi - Mortgage and Protection Adviser

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Erjona Braqi - Mortgage and Protection Adviser Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Erjona Braqi - Mortgage and Protection Adviser, Brokerage Firm, Brentwood.

14/10/2026

🏡 Applying for a mortgage? Here are 3 things to watch out for!

Lenders look at more than just your salary and credit score. Your bank statements and spending habits can also play a part.

🎰 Gambling – Regular or significant gambling may raise affordability concerns.

💳 Living in your overdraft – Constantly relying on your overdraft could affect how lenders view your finances.

🛍️ Klarna / Buy Now, Pay Later – Regular use and outstanding repayments may impact affordability.

Despite what you might see online, a silly payment reference alone isn’t a standard reason for a mortgage decline!

The takeaway? Get your finances in order before applying, and seek advice early.

Whether you’re buying your first home, moving or remortgaging, preparation matters! 🏡

28/09/2026

BREAKING NEWS‼️

The government have just announced a new “Your First Home” scheme, designed to help people get on the property ladder.

This includes:

👉 2.5% deposit from the buyer
👉 a 20% government backed equity loan (initially interest free)
👉a mortgage for the remaining amount
There are further deta still to come including income limits, local property price caps and eligibility.

We will know more about this scheme at the autumn budget next month. 💴

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✨ The new business card design is here! 🏡
22/09/2026

✨ The new business card design is here! 🏡

When you’re older brother is in a football team and you have to tag along to every game! Lots of snacks and squishes to ...
20/09/2026

When you’re older brother is in a football team and you have to tag along to every game! Lots of snacks and squishes to keep her occupied. 😊

Happy Sunday ⚽️

18/09/2026

What is the difference between exchange and completion?

17/09/2026

🏦 BANK OF ENGLAND RATE UPDATE
Bank Rate has been held at 3.75%.
What does this mean for mortgages? 👀
Here’s what homeowners and buyers should know following today’s announcement.

15/09/2026

Skipton track record mortgage, did you know about this?

09/07/2026

What documents do you need to apply for a mortgage?

What is a Concessionary Purchase? 🏡Did you know you may be able to buy a home from a family member for less than its mar...
18/06/2026

What is a Concessionary Purchase? 🏡

Did you know you may be able to buy a home from a family member for less than its market value?

This is called a concessionary purchase. The difference between the market value and the price you pay is known as gifted equity, and in some cases it can be used instead of a traditional deposit.

For example:
🏠 A property is worth £300,000
💷 A parent sells it to you for £250,000
🎁 The £50,000 difference could be treated as your deposit (subject to lender criteria).

Not every lender accepts concessionary purchases, and there are rules around who can gift the equity and how the purchase is structured.

How many of you have come across this? 😊

15/06/2026

Stay tuned… 😊🎥🏡

Address

Brentwood

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+447427206198

Website

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