Lauren Your Mortgage Adviser

Lauren Your Mortgage Adviser Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Lauren Your Mortgage Adviser, Mortgage brokers, 5 Victoria Cottages, Brighton and Hove.

I’m a day late posting this as I was busy yesterday with my own little lady, making the most of some weekend family time...
09/03/2026

I’m a day late posting this as I was busy yesterday with my own little lady, making the most of some weekend family time 💛

Very grateful to be included in a lovely International Women’s Day blog from the team at Number Twenty Four, who I love working alongside, featuring some brilliant women across the property industry.

Give it a read over on their website ✨

First Time Buyer Product SeriesToday we’re looking at the First Time Buyer Boost from Halifax.This one isn’t about stret...
26/02/2026

First Time Buyer Product Series

Today we’re looking at the First Time Buyer Boost from Halifax.

This one isn’t about stretching your deposit — it’s about borrowing power.

For eligible first-time buyers, Halifax may consider lending up to 5.5x income, which can make a meaningful difference where affordability is tight.

It’s available up to 90% loan-to-value and can be used by employed and self-employed applicants (subject to criteria). Only one applicant needs to be a first-time buyer on joint cases. As always, it’s not automatic — credit profile, income structure and overall affordability all matter, and in some cases lower income multiples may apply.

If your deposit is in place but borrowing capacity is the sticking point, this could be worth exploring properly.
If you’d like to sense-check what’s realistic for you, just message me 😊

Source: Halifax published First Time Buyer Boost product information.

📞 07908 060 013
📧 [email protected]
🌎 www.laurenyourmortgageadviser.com


First Time Buyer Product SeriesHelping Hand from Nationwide Building Society.This one isn’t about deposit size — it’s ab...
25/02/2026

First Time Buyer Product Series

Helping Hand from Nationwide Building Society.

This one isn’t about deposit size — it’s about borrowing power.

Helping Hand allows eligible first-time buyers to borrow more than Nationwide’s standard income multiple, which can make a real difference where property prices feel stretched.

It’s available on selected 5 and 10 year fixed rate repayment mortgages and comes with £500 cashback — it won’t be suitable for everyone, and full affordability checks still apply.

If your deposit is ready but borrowing power is the challenge, this could be a great option for you!

Source: Nationwide published Helping Hand product information.

📞 07908 060 013
📧 [email protected]
🌎 www.laurenyourmortgageadviser.com


First Time Buyer Product SeriesToday’s product is Santander’s 98% “My First Mortgage”.Designed for eligible first-time b...
24/02/2026

First Time Buyer Product Series

Today’s product is Santander’s 98% “My First Mortgage”.

Designed for eligible first-time buyers with a £10,000 minimum deposit, this option sits in that space between 95% lending and 100% style products.

It comes with specific criteria around income, property type and applicant status — so it definitely won’t suit everyone.

But for the right buyer, it could make stepping onto the ladder feel more achievable without having to achieve a 5% or more deposit.

If you’re saving and wondering what’s realistic for you, send me a message and we’ll look at your situation properly 😊
Source: Santander published “My First Mortgage” product information.

📞 07908 060 013
📧 [email protected]
🌎 www.laurenyourmortgageadviser.com


First Time Buyer Product SeriesIntroducing the Barclays Springboard Mortgage.So, If you’re struggling to save a big depo...
23/02/2026

First Time Buyer Product Series

Introducing the Barclays Springboard Mortgage.
So, If you’re struggling to save a big deposit but you’ve got family who want to help, the Barclays Family Springboard Mortgage could be a brilliant way to get you moving sooner.

With a ‘helper’ placing 10% of the purchase price into a secure account for 5 years, you may be able to buy with little (or even no) deposit. After the 5‑year period, their money is returned with interest (as long as the mortgage has been paid on time).

It’s designed for buyers who need a boost, without handing over money permanently or adding family members to the mortgage.

If you’re wondering whether this could work for you, or you’d like the numbers checked against your situation, I’m always happy to take a look and talk it through.

📱07908 060 013
📧 [email protected]
🌍 www.laurenyourmortgageadviser.com



Source:https://www.barclays.co.uk/content/dam/documents/Family_Springboard_Customer_Brochure.pdf

🏡 First Time Buyer Product Series Accord Mortgage’s £5,000 Deposit Mortgage This product is designed for eligible buyers...
19/02/2026

🏡 First Time Buyer Product Series
Accord Mortgage’s £5,000 Deposit Mortgage

This product is designed for eligible buyers who have a minimum deposit of £5,000.
Rather than being purely percentage-led, this option is based on a fixed minimum deposit amount — which can make it feel more achievable for some first-time buyers.

Key things to be aware of:
• At least one applicant must be a first-time buyer
• Maximum 99% loan-to-value
• Maximum loan size of £495k
• Maximum purchase price of £500k
• Not available on new build properties
• Both applicants must have indefinite right to reside in the UK

As always, this won’t suit everyone. Income levels, property type and individual circumstances will determine what’s realistic.

For some buyers, this could be a stepping stone, for others, a traditional 95% mortgage may offer more flexibility.

If you’re building a deposit and wondering what your options actually look like, feel free to message me and we’ll look at your situation properly 😊

Source: Accord Mortgages published £5,000 Deposit Mortgage product information.

📞 07908 060 013
📧 [email protected]
🌐 www.laurenyourmortgageadviser.com

🏡 First Time Buyer Product SeriesTrack Record Mortgage from Skipton Building Society.Designed for eligible renters with ...
18/02/2026

🏡 First Time Buyer Product Series

Track Record Mortgage from Skipton Building Society.

Designed for eligible renters with a strong history of paying their rent on time, this product can offer up to 100% loan-to-value lending for those who:

• Have not owned a property in the last 3 years
• Are aged 21+
• Can evidence at least 12 months’ consecutive rental payments within the last 18 months
• Meet credit and affordability requirements

It’s aimed at renters who feel stuck because saving a large deposit feels out of reach - but it won’t be right for everyone.

If you’re currently renting and wondering whether buying could be closer than you think, message me and we’ll look at your situation properly 😊

Source: Skipton Building Society published Track Record Mortgage criteria.

17/02/2026

Buying your first home – or even just figuring out what you need to do before you can buy – can feel completely overwhelming - Especially with so much information & so many options out there…

Over my next few posts I’m going to share just a few of the products currently available to first time buyers

There are actually lots of lenders with options designed to help you get onto the property ladder – but the key is understanding what’s right for you, not just what sounds good in a headline.

Whether you’re just starting to explore the idea, or you’re already scrolling Rightmove every evening … this one’s for you...

Save the posts, follow along this week, and if you’ve got questions – please ask. That’s what I’m here for 😊

Thinking about extending, renovating or finally doing that kitchen? 🛠️🏡If you’ve got equity in your home, there may be w...
10/02/2026

Thinking about extending, renovating or finally doing that kitchen? 🛠️🏡

If you’ve got equity in your home, there may be ways to fund home improvements through your mortgage, depending on your situation. This could be via a remortgage, a further advance with your current lender, or borrowing a bit more when your fixed rate ends.

There’s no one-size-fits-all option though - rates, fees and affordability all play a part, and what works for one household might not be right for another.

If you’re in the thinking-about-it stage and just want to chat things through, I’m always happy to help with a friendly chat 😊

💡If you’re thinking about overpaying your mortgage – even by a small amount – you could also consider putting that mon...
29/01/2026

💡

If you’re thinking about overpaying your mortgage – even by a small amount – you could also consider putting that money into a separate savings pot instead of committing it straight to your mortgage each month.

Once a year (before your mortgage anniversary), if you haven’t needed that pot for emergencies, you can then use it to make a lump sum overpayment.

Why this works 👇
✔️ Once money goes onto your mortgage, you can’t easily get it back
✔️ You’re building a small “house emergency” pot just in case
✔️ You avoid over-committing monthly
✔️ You’re less likely to exceed your annual overpayment allowance

A little flexibility now can make a big difference later 🏡✨

Mortgage overpayment rules vary by lender – always check your individual mortgage terms.

Address

5 Victoria Cottages
Brighton And Hove
BN32WE

Telephone

+447908060013

Website

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