On The House Mortgages

On The House Mortgages Supporting customers across the UK to find suitable mortgage and protection products to suit their specific needs and goals, fee free, as standard.

On The House Mortgages: Bristol's Fee-Free Mortgage Experts🤘🏻 Whether you're a first-time buyer, remortgaging, moving house or buying an investment property, the two Alex’s offer fee-free, simple, advice 🙂 Taking a tailored, personalised approach to ensure my customers are informed, guided and are aware of all options available to them, using our extensive experience in the Mortgage and Protection industry.

27/08/2026

We hear this sometimes when we contact our customers whose fixed rates are ending. And while rates coming down would be lovely, we always contact you if your fixed rate is ending five or six months early for a few reasons . . .

1) We secure a rate early so, if rates go up, we have something locked in 💪🏻

2) If we remortgage away, if there are any complications with the solicitor, we have time to get this sorted with no rush⌛

3) We make sure we review your rate during the process so, if rates go down, we can get it swapped over for you 📉

As an example, if you had a £200,000 mortgage on a 25 year term with a rate of 4.95%, you'd be paying £1,163 a month. The average standard variable rate is 7.13% (Forbes) which would be a payment of £1,430. That's £267 more interest for falling on the variable rate 💰🚽

If your fixed rate is ending in February / March next year, get in touch today for no nonsense, fee-free advice 🤘🏻🔑🏡🎉

19/08/2026

Buying or owning a home in 2026?

Let us run you through the insurances to consider so you can keep that roof you worked hard for, over your head.

Get in touch if you'd like to know more - fee free as ever 🤘🏻🩺🏡🔑🎉

13/08/2026

Are you self employed with no clue about mortgages? Still thinking that you need to be self employed for three years? 🤔

You can actually look to get a mortgage with just one year of accounts or self assessments. That means you might be able to buy your first home or remortgage sooner than you think 🎈🎂🎉

If you want to get started and find out what is achievable, get in touch today for fee free advice 🤘🏻🏡🔑

31/07/2026

Thank you to our wonderful customers for our latest reviews. We started in February 2024 with a goal to make mortgage advice free and accessible to all. No jargon, no nonsense, just mutual trust and great advice every step of the way. We now have 167 ⭐⭐⭐⭐⭐ reviews and we are grateful for them all 🖤

27/07/2026

This is something we hear all the time. But it's worth checking if this is actually true 🤔

Many people think they have sick pay when they don't or that their employer will help them out if they are off sick. The reality is that, if those benefits aren't in your contract, the employer isn't obliged to help you. You may therefore have to rely on Statutory Sick Pay (SSP) which is only £123.25 a week (if you are eligible). That might not even even cover your bills let alone a mortgage 🤒🤢🤧

Income Protection is a private sick pay plan that pays a regular monthly income if you can't work. Instead of relying on others or your savings, you can ensure that you have money coming in to pay your bills. Completely tailored to you, it can work alongside any sick pay you have with work and ensure you don't have to rush back to work and you can focus on getting better 🩺💊🩻

If you want to look at your options, contact us for fee free advice 🤘🏻

22/07/2026

Starting a new job? Worried it will scupper your plans? 🤔

Some mortgage lenders will take income from a job that's due to start in three months. If you are looking to buy your first home or remortgage, don't let this be a barrier🔑🏡

Get in touch for fee free, expert advice 🤘🏻

14/07/2026

Critical illness cover eh? 🤔

One of the most important discussions we have isn't about the mortgage, it's about protection against the unexpected things life can throw at you.

One of these sources of protection is something called critical illness cover. It pays a tax free lump sum if you get diagnosed with something life threatening. You can also cover your kids or future dependents so the whole family is covered.

Why consider it? Well, if you can't work for whatever reason, you can't earn and that's going to make things more difficult. According to Macmillan, a cancer diagnosis can add £891 a month to your expenses which is over £10,000 a year. Lost income and higher outgoings is always going to be tricky to manage, especially when you will want to focus on getting better. Having something in place can offer security.

If you would like to review what you have or look to put something in place, get in touch today for fee free, expert advice 🤘🏻

08/07/2026

Bonuses, shift allowances, responsibility pay, head of department allowance, commission, overtime - sounds complicated right? 🤔

Not to us! 💪🏻

Whether you are a first time buyer, home mover or looking to remortgage, we have plenty of experience looking after all incomes. We can review your payslips to see what you earn and make sure we pair you with a lender who understands your income and let's you borrow what you need to make things happen 🏡💰🔑

Get in touch today if you want to find out more - links in the bio and fee free, always🤘🏻🖤

26/06/2026

It's Friday - we made it 💪🏻

What an ungodly hot week. Super busy helping people out and trying our best to function in the heat. Good news though in that some lenders have been reducing rates 🎂

If you are thinking of buying your first home or remortgaging, get in touch with us so we can take a look. Our contact details are in the bio.

Have a great weekend 🌞

15/06/2026

Home improvements whirling through your brain? 🔨🪛

If you've been binge watching interior design masters (🐆🪚🏡🎨), you might have developed lofty ambitions with your house. But if you don't have the cash to do it, you might be tempted with loans or credit cards which could affect your borrowing later down the line.

Did you know that could look to remortgage and use your house value to borrow what you might need? 🤔

In some circumstances, lenders may allow borrowing up to 95% of the property value so you could look to finish off the kitchen, make a new home office or paint the whole thing black ⬛.

If you want to see if this option is right for you, get in touch today for fee free advice. Contact details in our bio 🤘🏻🤘🏻

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Bristol

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