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Andrew James - Mortgage & Protection

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Bromley Cross
Andrew James - Mortgage & Protection

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North West based Mortgage & Protection Advisor.

I work across the UK supporting:

✅ Investors (Bridging, Commercial & Development)
✅ BTL Landlords
✅ Home Movers
✅ First Time Buyers
✅ Remortgages / Capital Raise
✅ Life / Income / Critical Insurance

28/08/2026

🏡 Mistakes That Can Kill a Mortgage Application

Getting a mortgage agreed isn’t just about finding the right rate. Small changes during the application process can cause delays or even affect the lender’s decision

New credit, missed payments, changing jobs, increasing debt or simply providing incorrect information can all create problems

The golden rule? Until your mortgage completes, keep your finances boring! 😄

If you’re planning to buy, move home or remortgage, getting advice early can help you avoid costly mistakes

📞 07894564159
📧 [email protected]

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

20/08/2026

One of the questions we ask when looking at your aspirations and goals is how much can you afford to pay per month on a mortgage payment.

This helps us decide what level of term you can take the mortgage over. Without putting you under financial stress if you can pay your mortgage over a lesser term you can save literally thousands of 💰's per mortgage.

Below is a small example of the difference in terms on a capital and repayment mortgage and how much more you pay in interest over the longer term.

If you need support with a mortgage or considering your options please drop me a message

📱 07894564159
✉️ [email protected]

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

18/08/2026

Banks are not your friend!

All they want is to make money out of you

One of my newer clients had a similar situation as below recently and was on their SVR (Standard Variable Rate) when they allowed their deal to end and didn't remortgage

Literally chucking money at the bank or flushing it down the loo...

Do not become one of them, remember you can start the remortgage process 6 months out

DM me if you are approaching the end of your current deal so we can stop you chucking money down the toilet also 👍

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

16/08/2026

The Power Of An Overpayment On Your Mortgage!

If You Can Do It Then 💯 Overpay Your Mortgage As Not Only Are You Saving Lots In Interest Payments But You Are Also Paying Down The Mortgage Quicker!

13/08/2026

Right then I've been seeing some of the below lately and it's time I dropped some advice for you ✅

Don't and I mean Do NOT do any of the below when it comes to mortgage time..... Comprende 👍

💡 Missed or late payments payment history is visible on your credit report and can affect a lender's assessment

💡 Constant overdraft reliance regularly being close to your limit or failing to clear an overdraft can concern some mortgage lenders

💡 High monthly credit commitments loans, credit cards and other regular commitments reduce disposable income and can affect affordability

💡 Lots of recent credit applications repeated hard searches in a short period can be viewed negatively

💡 Unexplained large transactions lenders commonly review bank statements and may need evidence around funds, particularly the source of your deposit

💡 Heavy or persistent discretionary spending lenders assess expenditure as well as income, so high outgoings can reduce borrowing capacity. �

💡 Returned or unpaid payments failed payments can lead to late-payment issues and can indicate pressure on monthly finances

💡 New borrowing before completion taking additional credit can change your commitments and therefore the affordability picture on which the mortgage was assessed

DM me to get started if you are looking for a new mortgage, remortgage, BTL or want some advice

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

12/08/2026

Still sitting on your lender’s Standard Variable Rate (SVR)?

You could be paying more than you need to

When your mortgage deal ends, doing nothing can mean moving onto a higher variable rate. A quick mortgage review could uncover a better deal and potentially reduce your monthly payments

🏠 Don’t let your mortgage drift onto autopilot

📞 07894 564159
📧 [email protected]

Let’s see if your mortgage could be costing you less

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

11/08/2026

If you are within the last 6 months of your current mortgage deal ending, now is the time to get things moving.

We can lock in a rate now and if rates drop we can shift you across to the better deal. Best thing is if rates go up and we have locked you into a good deal you evade the higher rates ✅

DM me or drop me a message below

✉️ [email protected]
📱 07894564159

09/08/2026

🏡 Why is my first mortgage payment higher?

A very common question I get asked, but it's pretty normal.

Your first payment can be higher because lenders may collect interest from the day your mortgage completes up to your first normal payment date, as well as your regular monthly payment

The exact calculation varies by lender and completion date, so it’s always worth knowing what to expect before completion

📩 Got any mortgage questions?

Get in touch / drop me a DM, I’m happy to explain the numbers without the jargon

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

06/08/2026

Being a first time buyer is pretty scary as you navigate your way through unfamiliar territory when buying your first home.

Below is a clear and simply guide of the process that I hope helps 😊

DM me if you are currently considering buying and we can help you get a clearer picture moving forward

📱 07894564159
✉️ [email protected]

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

05/08/2026

What is Decreasing Level Term Assurance?

🏡 Protect your mortgage, protect your family

If you have a repayment mortgage, Decreasing Level Term Assurance is designed to help ensure your loved ones can pay off the remaining balance if you were to pass away during the policy term

✅ The payout reduces over time as your mortgage balance reduces

💷 More affordable than level life insurance because the cover decreases

🏠 Ideal for repayment mortgages where the amount you owe gets smaller each month

❤️ Gives your family one less financial worry at an already difficult time

The right protection isn't about spending more it's about making sure your cover matches your needs

📩 Not sure if your current policy is right for you?

Let's review your protection and make sure your family is properly covered

📧 [email protected]
📞 07894 564159

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

Address

Egerton
Bromley Cross

Telephone

+447894564159

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