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Gough Mortgage + Protection

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Gough Mortgage + Protection

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If you are buying to let out, or buying to move somewhere else, you have come to the right place. No one plans to fall ill, but sadly it does happen.

We are a whole of the market mortgage broker, who specialise in helping you find the right mortgage for your house purchase (first time, buy-to-let, etc) or your remortgage. Whether you are looking to buy your first home and want someone to take some of the stress out of the process, remortgage for that much needed extension, or simply to make sure you still have the best deal available, we can help. Arrange your free initial review, and get access to Mortgages from the whole market place. We will take a lot of the stress out of any scenario by providing a full advice and recommendation service. With 20 years of experience in Financial Services, you will be in safe hands and have access to the best deals available, including many you will not find on the high street. We also provide advice and recommendation on all forms of protection, both mortgage related and personal. We support you in choosing from a range of Insurances such as Life cover, Critical Illness cover and Income Protection to help protect you and your family’s future financial security in the event of anything unexpected. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply. Not all Buy To Let Mortgages are regulated by the Financial Conduct Authority. There may be a a fee for arranging a Mortgage and the precise amount will depend on your circumstances. This will typically be £495, only payable at Mortgage Offer. Gough Mortgage & Protection Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Gough Mortgage & Protection Ltd, Unit 19 Douglas Road Industrial Park, Douglas Road, Bristol BS15 8PD . Registered company number 09846318. Registered in England & Wales.

03/11/2026

Following last week’s Autumn Budget, here’s a recap of what was announced for first-time buyers 🏡

The Your First Home Scheme was officially confirmed ✅

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that’s interest-free for the first 5 years!

Applications aren’t open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📅

Pre-registering won’t commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:

https://www.gov.uk/government/publications/your-first-home/your-first-home

The Budget also included plans for a new First Time Buyer ISA.

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It’s intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.
There’s no confirmed launch date for the new ISA yet, but we’ll keep you updated!

It’s great to see some positive announcements for first-time buyers! 😊

If you’re planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

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

01/11/2026

Its age alone isn't usually a dealbreaker for lenders. 🤔

But things like construction type and the materials used can affect which mortgage options are open to you.

A lender's valuation can also flag issues that affect how much they're willing to lend, so it pays to know what you're working with early on. 🏴

Here's the thing though: one lender saying no doesn't mean they all will.

Criteria varies a lot when it comes to property type, age and construction, and there are specialist options out there for properties that don't tick the usual boxes.

Getting the details checked before you apply can save a lot of stress later.

If you're eyeing up an older or unusual property, speak to us first. We'll help you figure out where you stand. 📋

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

29/10/2026

Whether you're trying to move home or buying your first home in the UK, we've got you covered!!

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

27/10/2026

Want to boost your mortgage borrowing potential? 🏡

Paying down existing debts, declaring additional income and finding the right lender could help you borrow more towards your dream home.

Every lender assesses affordability differently, so understanding your options is key.

Get in touch today and let’s explore what you could borrow in 2026.

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

26/10/2026

It's not always as simple as one figure on a tax return. 🤔

Depending on how your business is set up, lenders might look at salary, dividends, drawings, net profit, or a mix of these.

You may need to share things like accounts, SA302s, tax year overviews, bank statements, and proof of current income. 📄

Two years of accounts isn't always the full picture either. Some lenders need more trading history; others are happy with 12 months of accounts. It's all about knowing who's who!

Sole traders and limited companies get assessed differently too, so your business structure matters.

If your income has shifted recently, it's worth understanding how that might be viewed before you apply. 🔎

Thinking about a mortgage soon? Speak to us first and we'll talk you through it. 🏡

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

25/10/2026

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠

Protection sometimes gets left off the list. 🤫

Here's the thing, your mortgage doesn't care if you're off work ill or unable to earn. It still needs paying.

If your household relies on two incomes, losing either one could make things tight fast.

Protection doesn't just stop at life cover either. It can include income protection if you can't work, or critical illness cover if you're diagnosed with a serious illness. 🛡️

You may decide on one type of protection or decide to cover all your bases by combining income protection, critical illness cover and life insurance.

We'll talk through the benefits of each to help you decide which suits your needs (and budget)!

Getting the keys to your first place is a good moment to check your cover actually matches your new situation. 🔑

Want to talk it through? Speak to us, no pressure, just a proper look at what fits you. 💬

As with all insurance policies, conditions and exclusions will apply.

22/10/2026

If you've got a new home on your 2027 mortgage board this one's for you! 🔊

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

20/10/2026

Found your first home? Don’t be afraid to question the asking price. 🏡

One of my clients recently bought their first home for £10,000 below the advertised price, after reviewing the property’s valuation and asking the estate agent for evidence behind the asking price.

You don’t have to guess what to offer or risk paying more than you need to.

Get in touch before making an offer. I’m here to help you make informed decisions throughout your home-buying journey.

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

19/10/2026

Some lenders will let you borrow up to 6x your income instead of the usual 4.5x. 📈

Sounds appealing, but more borrowing power isn't always a good thing.

A bigger mortgage means bigger monthly payments, so it's worth thinking about what actually feels manageable alongside your bills, savings, and everyday spending. 🔎

6x income also isn't something everyone qualifies for. It comes with its own set of criteria, so it's not just a case of asking for more.

The amount a lender offers you and the amount you actually want to commit to each month can be two very different numbers.

Our advice? Work out what suits your life, not just what you're able to borrow.

Want to talk through your numbers properly? Speak to us. 🏡

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

You may have to pay an early repayment charge to your existing lender if you remortgage

18/10/2026

Turns out, working with us doesn't just save you stress. It could save you cash too.

79% of borrowers told researchers they're still saving money because they used a broker. 🤩

That's not just about spotting the lowest rate on a comparison site.

It's about the whole package. The fees attached, the flexibility if your plans change, and the true cost once everything is added up.

A mortgage with a slightly higher rate but lower fees could work out cheaper overall.

A deal with more flexibility could save you money down the line if life throws a curveball.

This is where speaking to us makes the difference. We look at the full picture, not just the headline number.

Want to see what you could be saving? ☎️

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

Source: https://www.santander.co.uk/about-santander/media-centre/press-releases/mortgage-brokers-continue-to-score-with-homeowners/

Address

Unit 19 Douglas Road Industrial Park, Douglas Road
Bristol
BS158PD

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+441179085349

Website

http://www.goughmortgage.co.uk/

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