Henchurch Lane Financial Services

Henchurch Lane Financial Services The Truth about Self Employment Mortgages Straight Talking Mortgage Specialist CeMAP Qualified Advisers. Whole of market access.

Get in touch today for bespoke mortgage advice.

01/09/2025

Short-term gain, long-term pain?
Some landlords are leasing student lets to companies housing asylum seekers.
On paper, it looks great: guaranteed rent, company covers any damage, hands-off.
But here’s the catch:

That company might be an SPV.

It lasts 2–3 years, the house gets worn down, and when it folds… you’re left footing the bill.
Yes, you made money, but at what cost to your investment and the local area?
If you are going down that route, make sure:
✔️ The company’s well-established
✔️ You’ve checked their financials
✔️ You’ve got a personal guarantee from directors
Do your due diligence — not just for the yield, but for the long game too.

Reviews aren’t just words, they’re proof.Proof that the mortgage advice we provide is solid, the service is personal, a...
29/08/2025

Reviews aren’t just words, they’re proof.

Proof that the mortgage advice we provide is solid, the service is personal, and the results make a difference.

At Henchurch Lane, we don’t just talk the talk. Our clients say it for us.

Check the link in bio to book an appointment with one of our amazing 5 star rated mortgage adviser. 🌟



28/08/2025

The homebuying process can feel like waiting for ages with zero updates.

Having a mortgage broker on your side means someone’s chasing all the deadlines and keeping you in the loop, so you don’t have to live on hold.

26/08/2025

When the lender finally says yes ... despite your income being vibes, invoices, and the occasional cash job 👷‍♂️💸💃

Self-employed and still got approved?

Now that’s a reason to dance in the driveway.

It’s not always easy, but it’s 100% possible with the right help.

(And a very patient mortgage broker 😅)

If you’re self-employed or a management director, getting a mortgage can feel like a guessing game.Banks might tell you ...
25/08/2025

If you’re self-employed or a management director, getting a mortgage can feel like a guessing game.

Banks might tell you to have 2 or even 3 years of accounts, but that’s not the full story.

We helped secure £60 million worth of mortgages last year for people just like you.

Stop hoping and start getting the right advice.

Check the link in bio to book an appointment.

21/08/2025

The group chat’s been through it.

Tears. Stress. 37 versions of the same ID.

But the day has come,

Completion day, walking in like you own the place (literally).

If you want this energy when your house completes — not chaos — get yourself a mortgage broker who’s in it with you.

(Hint: hi 👋)

19/08/2025

Feels like the market’s a marathon you didn’t exactly sign up for. 😅

If you’re feeling outpaced, a mortgage broker can help you find the right route, making that finish line a bit closer and way less stressful.

One of our clients just turned a 3-bed into 4 rooms£800 rent each,£1k mortgage,£3k+ monthly profit.Corporate lets (like ...
18/08/2025

One of our clients just turned a 3-bed into 4 rooms

£800 rent each,
£1k mortgage,
£3k+ monthly profit.

Corporate lets (like asylum seeker contracts) are becoming a big play.

Not for everyone but if you’ve got the right setup, it can be a serious step up in cash flow.

Check the link in bio to book an appointment with one of our amazing 5 star rated mortgage adviser. 🌟





15/08/2025

Me: “Okay I’ve got this, 4.89% fixed for 5 years, sounds good.”
Lender the next day: “It’s 5.14% now.”
Me the day after that: “Actually never mind it’s 4.67%??”
💀

Being a first-time buyer right now is basically trying to catch a moving train with no timetable.

If you’re overwhelmed by the rate roulette, don’t stress.

Let us keep track, explain what actually matters, and help you lock in something solid (before it disappears again 👀)

Buying property through a company?It sounds like a solid plan.Companies can protect you from some risks and liabilities....
13/08/2025

Buying property through a company?

It sounds like a solid plan.

Companies can protect you from some risks and liabilities.

But it’s not always that simple.

A lot of property companies are SPVs (special purpose vehicles) with limited liability.

That means if the company shuts down after a few years, you could be left with a damaged property and little protection.

Sure, you might make some money in the short term.

But the long-term risks are important to understand too.

Using a well-established company or getting personal guarantees from directors can make a big difference.

And always think about what you’re doing to your investment and the local area around it.

If you want to talk through whether this strategy suits you, check the link in bio and book an appointment.

12/08/2025

You show your dream homes… and your broker gently suggests something with less square footage
Like… a shed. Maybe with a nice view tho 😅

We get it — the market’s wild.
But we’ll help you figure out what’s actually possible without crushing the dream entirely.

One step closer to bricks (not timber) 🏡

Getting a mortgage can be tricky, but it doesn’t have to be.At Henchurch Lane, we support you every step of the way.From...
11/08/2025

Getting a mortgage can be tricky, but it doesn’t have to be.

At Henchurch Lane, we support you every step of the way.

From understanding what you can afford to securing the right deal.

Clear advice, tailored to you.

Check the link in bio to book an appointment with one of our amazing 5 star rated mortgage adviser. 🌟



Address

Innovation Centre Medway, Maidstone Road
Chatham
ME59FD

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 5pm

Telephone

+441795509810

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