Monica Bradley Associates

07/06/2026

Wishing a very happy birthday to our brilliant Business Development Manager, Nigel Codron!

Anyone who knows Nigel will tell you he’s a real people person. Friendly, approachable and always up for a chat, he has a knack for bringing people together and building lasting relationships.

His positive attitude and genuine interest in others make him a pleasure to work with and a valued part of our team.

We hope you have a fantastic day celebrating with family and friends, Nigel. Here's to another year of happiness, good health and memorable moments!

03/06/2026

Happy ! Some key members of our team are keen runners. These include our content manager, Christina Collison, who freely admits that most of her best content ideas occur while she's on the treadmill, along with our Senior Mortgage Adviser, Neil Standring, who was the 83rd man in the world to run a marathon on every continent, including Antarctica. Credit where it's due! Both pictured below…

02/06/2026

Are you a potential first-time home buyer? Thinking you won't be able to afford your own home just yet? Think again.

Saving up a large deposit can feel like the biggest obstacle for first-time buyers. But some of the UK’s biggest mortgage lenders are providing options for buyers with smaller deposits.

In fact, 95% mortgages are widely available for some first-time buyers.

We're here to advise you on your options.

30/05/2026

🏡 Thinking of buying a property?

It's easy to fall in love with a property, but before you make an offer, take a step back and think about the bigger picture.

Here are three important things to consider:

Location – Does the area suit your lifestyle? Think about transport links, local amenities and the neighbourhood itself.

Affordability – Just because you can stretch your budget doesn't mean you should. Make sure your mortgage payments will still leave room for the things you enjoy.

Condition – Are you happy to take on renovation work, or would you prefer a home that's ready to move into? Be realistic about the time and costs involved.

The right home isn't just one you love viewing – it's one that works for you long term.

29/05/2026

Struggling to save for a house deposit?

You're not alone. More first-time buyers are getting help from the "Bank of Mum and Dad" through gifted deposits – money given by parents, grandparents or close family to help buy a home.

A gifted deposit could help you secure a better mortgage deal and get onto the property ladder sooner.

Read more about how gifted deposits work and what lenders look for.

Find out more about how first-time buyers are turning to the Bank of Mum and Dad and how parents and grandparents are helping them buy a home.

28/05/2026

Think you’re too old to get a mortgage? Think again.

These days, many lenders are far more flexible with older borrowers, with mortgage terms now available into your 70s and even beyond.

Whether you’re starting again after divorce, relocating, or simply looking at your options later in life, there may be more choices available than you think.

Lenders will look at affordability, retirement income, pensions, savings, and your future plans – but there is no one-size-fits-all approach. From repayment mortgages to retirement interest-only options, there are solutions designed for different circumstances.

If you’d like to explore what's possible, we're here to help.

26/05/2026

Why use a mortgage broker? Because our job doesn’t stop when your mortgage offer arrives.

The average property purchase now takes around five months to complete, and a lot can change during that time – including mortgage rates.

When you work with us, we continue to work for you right up until completion by:

✅ Monitoring the market after your mortgage offer is issued
✅ Checking for better rates that may become available
✅ Switching you to a more suitable deal where possible
✅ Making sure you're still getting the best option for your circumstances

We also take the stress out of the mortgage application process by handling the paperwork and liaising with everyone involved.

We're here to help.

21/05/2026

Are you expecting to be mortgage-free by retirement?

Only 52% of Baby Boomers (aged 62-80) are already mortgage-free or expect to have paid off their mortgage by the time they retire, according to Barclays’ Property Insights Report.

Interestingly, 76% say they don't plan to release equity from their property to help fund retirement, while 31% view their home as a legacy for their family rather than a financial asset.

Retirement planning looks different for everyone, and understanding your options can play an important role in securing your financial future.

Equity release plans are much more flexible these days, so if you want to explore your options, we’re here to help. And you can read our free equity release guide for more info about the different ways you can use equity release. Link in comments.

20/05/2026

It’s National Numeracy Day!
When it comes to mortgages, understanding the numbers can make a big difference to your financial future.

Do you know:

• How much you could borrow?
• What your monthly repayments might be?
• How interest rates affect the overall cost of your mortgage?
• How much deposit you need to get started?

The good news? You don’t have to work it all out alone.
We help make the figures easy to understand, so you can make informed decisions with confidence.

Got a mortgage question? We’re happy to help.

19/05/2026

Financial protection ensures that you and your loved ones are financially secure in the event of you being unable to work due to illness or injury, but is your cover up to date? If you've had a change in circumstances, then you may need to review your cover. We're here to help.