Adam Nunn Mortgage

18/02/2026

Landlords - are you prepared?

📢 New tenancy agreements now live

From 1 May, all new tenancies must use the updated assured periodic tenancy agreement under the Renters’ Rights Act. Fixed terms will be abolished.

Landlords who fail to use the correct agreement could face fines of up to £7,000.

Our fully legally checked agreement includes the mandatory information required before signing and is based on draft regulations due to be finalised next month.

✅ Free to NRLA members

Prepare with confidence 👉 https://www.nrla.org.uk/news/new-tenancy-agreements-live

09/12/2025

 PARENT GUARANTOR MORTGAGE

Have a listen or read our latest article on how Parents can help their children with a mortgage.

https://aethomson.com/first-time-buyers/parent-guarantor-mortgage

Many parents will be familiar with the term guarantor, however in recent years things have changed. 

The term ‘guarantor mortgage’ is old terminology; the modern equivalent is a Joint Borrower Sole Proprietor (JBSP) mortgage.

These types of mortgages aren’t exclusively for parents helping children. Family in general may be able to support one another.

They are most commonly used for parents helping their children buy a home.

However, they can be used in other circumstances to. For example, when a couple are separating. One of them wishes to keep the home but can’t afford to do so by themselves. A family member may be able to support them with this type of mortgage.

It’s very common for parents to help their children with a mortgage. Guarantor mortgages are a way to boost affordability to get you onto the property ladder.

07/10/2025

𝗠𝗮𝗸𝗶𝗻𝗴 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗕𝘂𝘆𝗶𝗻𝗴 𝗦𝗶𝗺𝗽𝗹𝗲 & 𝗦𝘂𝗽𝗽𝗼𝗿𝘁𝗶𝘃𝗲

For many, buying a home — especially the first time — can feel daunting. With professional guidance, clear explanations, and support, the process becomes so much easier.

If you’re looking for expert advice with a personal touch the team at AE Thomson are here to help. 🏡

26/09/2025

On a monthly basis Jon and I record a Podcast, tackling some of the most frequently asked questions about Mortgages & Protection.

For this podcast we answered questions specifically for First Time Buyers that are self-employed, to give it a listen follow this link:

https://aethomson.com/mortgages/self-employed-mortgage/self-employed-mortgage-first-time-buyer/

Or search us on Google and you will find all of Mortgage & Protection podcasts on our website.

All podcasts are also in a blog format.

Enjoy 😄

𝗪𝗵𝗮𝘁 𝘁𝘆𝗽𝗲𝘀 𝗼𝗳 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 𝗮𝗿𝗲 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗳𝗼𝗿 𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿𝘀 𝘄𝗵𝗼 𝗮𝗿𝗲 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗔𝗻𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲𝘀 𝗵𝗲𝗿𝗲?

No, generally there's no difference for a self-employed First Time Buyer. You can go for shared ownership, Joint Borrower Sole Proprietor, zero deposit mortgages, enhanced affordability and even Buy to Let mortgages for property investment.

These are just some of the types of mortgage that are available. However, each lender has different criteria, and the key thing is how your income is assessed by each one and how much they will lend you. Some lenders are more favourable to the self-employed than others.

28/05/2024

How an accountants reference can help you buy a property!

22/04/2024

MORTGAGE AFFORDABILITY IMPROVEMENTS FOLLOWING SPRING BUDGET

Following the recent spring budget announcement of National insurance cuts, mortgage lenders have started to update their affordability calculators to reflect the new higher disposable income.

if you’ve spoken to a mortgage broker prior to the 6th April 2024, and the amount you could borrow was impacted by financial commitments or financial dependents then it’s worth reaching out to see whether your mortgage affordability has improved. This could be crucial if you are looking to buy a new or first home, or borrow additional money on your current mortgage e.g. for home improvements.

28/03/2024

⭐️⭐️⭐️⭐️⭐️ Happy Easter Everyone!

If you’re a first time buyer and want to buy this year, or want to get prepared for buying, get in touch. This is what I love doing, helping people realise their dreams of owning their own home.

If you plan ahead of buying, rather than aimlessly building savings, you can set a realistic target to work towards.

So often I speak to first time buyers that think they’re a million miles away from buying, when in actual fact they might only be 6-12 months, or even ready now!

27/03/2024

Have you heard about the new £5000 deposit mortgage?

1️⃣ £5000 minimum deposit, up to a purchase price of £500,000
2️⃣ Up to 4.49x your household income, subject to affordability
3️⃣ Pre-existing houses ONLY. Not new build or flats
4️⃣ available to First Time Buyers only. If buying jointly, at least one of you must be a First Time Buyer

Due to the risk of having a small deposit, credit scoring will be harsh, meaning this is likely to only be suitable for clean credit, proven credit scores and minimal unsecured debt

22/03/2024

What is the Own New Scheme?

Putting it simply, It’s just a new fancy name to get people excited about buying a new build. But in reality it’s developer incentives either in the form of Cashback Towards the deposit, or Cashback paid to the lender to lower your interest rate, making mortgage payments more affordable.

One of the added benefits is that some lenders will use the 5% deposit incentive even if you don’t have your own 5% from savings or gift.

Whilst these incentives will help you get in the ladder, my concern is that they are just hiding the wider issue of new build house prices!

In my area 2 bed new builds sold for £300,000 with 5% cashback in 2023.

However, in 2023 a new batch of houses to be built came on the market for £350,000 - £375,000 and of course no one is buying them.

If they now start offering the Own New incentives, by all means take the incentive but you must negotiate the asking price.

Second hand 2 bed houses sell closer £285,000 in my area, so you cannot be paying £65,000 to £90,000 more for a new build!

Developers try to sell off plan so remember, if the house is half built or built, they will be desperate to sell!

29/02/2024

How do I repay the HTB loan with my mortgage?

1️⃣ Speak with a broker to complete affordability checks and to find a suitable lender

2️⃣ have your properties valued by an RICS Surveyor. The value you determines how much you owe HTB based on the percentage loan you took out

3️⃣ Apply for the mortgage, provide the HTB redemption statement

4️⃣ Remortgage solicitor completes the transaction, redeeming the HTB loan for you. Usually standard fees are covered by the lender, however, additional fees are charged for the work involved. Target also charged fees to cover admin costs, for their co-operation

HTB / Target aren’t always efficient, so it’s important to be on the front foot, following up on emails with regular phone calls

28/02/2024

⭐️⭐️⭐️⭐️⭐️

Being a first time buyer can be overwhelming.

I pride myself on alleviating some of the stresses that come with buying a home by being there for my clients every step of the way.

From the first meeting when we get to know each other, establish your borrowing capabilities and your budget for buying.

To making an offer on the property you love.

How to best position your offer, what to offer.

Efficiently applying for your mortgage and securing you an offer.

Giving holistic advice on how to adequately protect you, your finances and family for the foreseeable future.

It’s not just about having a massive some of life insurance.

If you’re looking to buy a home, and interested in working with me, please get in touch.