Helen Perry - Mortgage and Protection Adviser

Helen Perry - Mortgage and Protection Adviser With over 19 years experience in the industry, I bring deep knowledge, insight and genuine care to every client.

I pride myself on building trust, understanding clients unique needs and delivering advice with integrity.

17/09/2026

Mortgage myths… RANKED. 👀🏠

“I need a 10% deposit.”
“I’m self-employed, so I won’t get a mortgage.”
“My credit isn’t perfect, so there’s no point.”
“I’ll just go to my bank…”

I hear these ALL the time, but mortgages are rarely as simple as a yes or no.

Every person’s circumstances are different, and lenders make decisions based on a variety of factors, including your income, deposit, credit history, existing commitments, the property and their own lending criteria.

So please don’t rule yourself out based on something you’ve heard on TikTok, from a mate down the pub… or even because one lender has already said no.

There could be other options worth exploring.

And remember, an Agreement in Principle isn’t a guaranteed mortgage offer. A full application is still subject to the lender’s underwriting, criteria and property assessment.

🏠 Sky Mortgages
💷 Our broker fee is £495, payable on mortgage offer.

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

15/09/2026

The maximum you CAN borrow isn’t necessarily the amount you SHOULD borrow.

Yes, affordability calculators matter. Yes, we want to know how much a lender may be prepared to offer you.

But there’s another figure I care about too…

What monthly payment are YOU actually comfortable with?

Because your mortgage isn’t your only expense, and life doesn’t stop when you get the keys. 🔑

You still want holidays ✈️
Meals out 🍽️
A car 🚗
Christmas 🎄
Days out ❤️
Savings 💰
And enough breathing room for those wonderfully timed “the boiler’s broken” moments. 😂

A lender’s affordability assessment tells us what may be possible under their criteria. It doesn’t know exactly how you want to live your life.

So when I ask about your budget, I’m not just trying to work out the biggest house we can get you into.

I want to help you find a mortgage that works for your circumstances after you move in too.

🏡 Being able to buy the house matters.
Being able to enjoy living in it matters just as much.

How can my little curly top be 12 today 😳 Happy Birthday to my gorgeous, funny, clever brave bundle of mischief. Love yo...
14/09/2026

How can my little curly top be 12 today 😳 Happy Birthday to my gorgeous, funny, clever brave bundle of mischief. Love you to the moon and back ###

You don’t necessarily need a British passport to get a mortgage in the UK. 🇬🇧I speak to people who assume they need to w...
14/09/2026

You don’t necessarily need a British passport to get a mortgage in the UK. 🇬🇧

I speak to people who assume they need to wait until they have Indefinite Leave to Remain before they can even think about buying a home, but that isn’t always the case.

Mortgage lenders have very different criteria when it comes to foreign nationals and visa holders. Depending on the lender, they may consider things such as your:

🛂 Visa/residency status
⏳ Time remaining on your visa
🇬🇧 Length of time in the UK
💷 Income and employment
💰 Deposit
📊 UK credit history
🏡 Property and loan-to-value

Some lenders may require ILR or settled status in certain circumstances, while others may consider applicants without it, subject to their individual criteria.

So please don’t compare your situation with your friend, colleague or that person on TikTok who said “you need X years in the UK and a massive deposit.” 😂

Different nationalities. Different visas. Different circumstances. Different lender criteria.

The important thing is finding out what YOUR options are before assuming the answer is no. 🌍➡️🏡

Home has no borders ❤️

Mortgage availability is subject to individual circumstances, lender criteria and affordability.

13/09/2026

Things your mortgage adviser wishes you knew… 🏡❤️

Getting the mortgage and picking up the keys is exciting, but protecting what happens afterwards matters too.

We spend so much time thinking about whether we can afford to buy the house that it’s easy to forget to ask:

Could I afford it if something went wrong?

🔥 A fire or flood damages your home
💧 A burst pipe causes thousands of pounds of damage
📺 Your belongings are stolen or damaged
🤕 Illness or injury stops you working
❤️ Someone you financially rely on dies
🩺 You’re diagnosed with a serious illness covered by your policy

That’s why protection conversations can include much more than just life insurance.

🏡 Buildings Insurance — the bricks and mortar
🛋️ Contents Insurance — the things that make your house a home
❤️ Life Insurance — financial protection if you die
🩺 Critical Illness Cover — a potential lump sum following a covered diagnosis
💷 Income Protection — an income if illness or injury prevents you working, subject to the policy terms

Your home could be one of the biggest financial commitments you’ll ever make.

Don’t just protect the mortgage. Protect the home, the things inside it and the people who make it yours. 🏡❤️

Address

6 Gloucester Road
Bristol
BS70SF

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