Laura Brownlow - AP Mortgage Solutions

10/04/2026

23/02/2026

Statutory Sick Pay sounds reassuring — until you realise how little it actually is.

For most people, it wouldn’t even cover the mortgage, let alone the rest of the household bills.

If you couldn’t work for weeks, months or even years how would you keep everything running? 🏡

That’s where the right protection in place makes all the difference.

Income protection can help replace lost earnings, so getting better is your only focus — not stressing about money or missed payments.

Don’t wait until you need it, to think about it.

Let's have a chat and make a plan!

AP Mortgage Solutions Ltd

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

20/02/2026

It’s National Pet Day! 🐾

Meet Barney… my sweet boy (and very much my 3rd child!) 💙

Like all our fur babies, he’s insured and protected 🏥❤️‍🩹 — because when it comes to their health, we don’t take chances.

We insure our pets without a second thought…
But what about you and your family?

If something unexpected happened tomorrow, would the people you love be financially protected?

Insurance isn’t just a policy — it’s peace of mind. It’s knowing the mortgage gets paid. The bills are covered. Your family is secure.

We plan vet cover, let’s make sure we’re planning protection for the humans too. ❤️

If you’ve been meaning to review your cover, consider this your gentle nudge.

AP Mortgage Solutions Ltd

12/02/2026

So many positive changes happening to help you get on the property ladder and climb 🪜 🏡 Get in touch to find out how we can help you!

We've seen more fantastic criteria improvements recently which should make it easier for first time buyers to get on the property ladder or current homeowners to move home. 👌🏻

These include;
A potential to achieve 6 or even 7 times annual income - depending on circumstances
A new product to the market which allows up to 98% loan to value, so only a 2% deposit required (minimum £10,000)

There are still many other schemes available also to help people achieve their dream move - get in touch to see if these apply to you! 🏡

23/12/2025

What a year! Wishing all of our lovely clients a very Merry Christmas 🎄✨

18/12/2025

The Bank's governor says interest rates are still trending downwards, but decisions around future cuts will be "a closer call".

17/12/2025

Are you a homeowner struggling to keep track of multiple payments leaving your account throughout the month? 💳📅

Debt consolidation could be the solution.

What is debt consolidation?

It’s the process of combining multiple debts alongside your mortgage— like credit cards, personal loans, or store cards — into one single monthly payment, often with a lower interest rate. This can make managing your finances much simpler and reduce the stress of juggling different due dates.

How could it help?

✔️ Simplified finances – One monthly payment instead of several.
✔️ Potentially lower monthly repayments – Freeing up cash for other priorities.
✔️ Clearer budgeting – Know exactly what’s leaving your account each month.
✔️ Less financial stress – Easier to plan ahead and stay in control.

As a Mortgage and Protection Advisor, I can help you explore whether debt consolidation could make sense for your situation — responsibly and realistically.

Get in touch today for a chat about how you could take control of your finances. AP Mortgage Solutions Ltd

Your home may be repossessed if you do not keep up repayments on your mortgage .With your remortgage you have borrowed an amount of money that will be used to consolidate other, existing debt(s). Your existing debt(s) may be unsecured and by consolidating into your new mortgage you are moving them to a secured loan. Whilst the comparable rate of interest may be lower you should understand that in securing a previously unsecured debt you are increasing the risks of potential repossession should you fall significantly into arrears on your new mortgage. Your existing debt(s) may also have originally had a shorter repayment term than your new mortgage. By consolidating them you may be paying a lower equivalent monthly payment in the short term, but over the full term of the mortgage you may actually pay back more in interest charges than had you maintained the original debt.

06/11/2025

📢 CALLING ALL FIRST TIME BUYERS!!!! 📢

🏡 𝐅𝐢𝐫𝐬𝐭 𝐓𝐢𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬, 𝐃𝐨 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐲𝐨𝐮𝐫 𝐨𝐰𝐧 𝐡𝐨𝐦𝐞?
🏡 𝐏𝐚𝐫𝐞𝐧𝐭𝐬, 𝐃𝐨 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐡𝐞𝐦 𝒐𝒖𝒕 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞!?!

The market has really flatlined for first time buyers over recent years. It's been really difficult to find the required deposit and with high interest rates and tightened lender affordability calculators it's meant that first time buyers have been priced out of the market recently.

However...things are changing! Rates are reducing, mortgage repayments are cheaper, affordability calculators are more lenient meaning higher priced properties could be more attainable.

On top of that more schemes are available, like;
- Income boosters for certain clients meaning more borrowing capacity
- Shared ownership still an option (offering buyers an option to partly own a property as a first step on the property ladder)
- More and more lenders offering 'Joint borrower/Sole proprietor' mortgages where a friend or family member goes on a mortgage application, as a kind of guarantor, to help with affordability but not actually own the property
- Low deposit mortgages, and even zero deposit mortgages available.

So you could be a lot closer than you thought to owning your own property, and parents, you could have a spare bedroom and a lot cheaper food bills soon!

Give us a call or send us a message for free initial professional advice to assess the options available to you. ✅

*Your home maybe repossessed if you don't keep up repayments on your mortgage*