Fort Advice Bureau Ltd - Mortgages & Protection

Fort Advice Bureau Ltd - Mortgages & Protection Specialist Mortgage & Protection advisers. Access to competitive rates and some you can't get direct. Book
a free initial consultation today.

Bridging finance is designed for short term situations, so one of the most important questions is not only how you enter...
08/09/2026

Bridging finance is designed for short term situations, so one of the most important questions is not only how you enter the loan, but how you plan to leave it.

That repayment route is commonly referred to as the exit strategy.

Depending on the circumstances, that could involve refinancing onto longer term borrowing or another planned source of repayment.

Fort notes that valuations, legal work and Land Registry requirements can also influence how quickly a transaction progresses, which is especially relevant where an auction purchase comes with a completion deadline.

🌐 Learn more about short term property finance at https://bit.ly/46nv6ck and discuss the proposed exit before committing to the bridge.

One credit issue does not tell the whole story.When a lender considers an application involving a CCJ, default, missed p...
04/09/2026

One credit issue does not tell the whole story.

When a lender considers an application involving a CCJ, default, missed payment or another credit issue, the details can matter.

That may include what happened, how long ago it occurred, whether it has been satisfied and what the applicant’s finances look like today.

Fort explains that different lenders can take different approaches, with more recent or significant issues potentially narrowing the available options.

An adviser can review the credit report and circumstances before identifying lenders whose criteria may be relevant.

➡️ Read Fort’s guidance for first time buyers with previous credit issues at https://bit.ly/4iqGpb2 and discuss your circumstances before applying.

A holiday let is not assessed in quite the same way as a property rented to one long term tenant.Because demand can chan...
02/09/2026

A holiday let is not assessed in quite the same way as a property rented to one long term tenant.

Because demand can change throughout the year, a lender may consider expected rental income across high, mid and low seasons when assessing affordability.

Criteria can also vary according to the property, location, applicant income and the lender involved.

Fort also explains that holiday lets generally require specialist mortgage products rather than a standard residential mortgage, making early planning particularly useful when you are considering this type of property.

👉 Explore the holiday let FAQs at https://bit.ly/4zFPHq6 and speak with Fort before you start comparing properties.

Self-employed does not automatically mean mortgage options are off the table.What often changes is how your income is ev...
31/08/2026

Self-employed does not automatically mean mortgage options are off the table.

What often changes is how your income is evidenced.

A sole trader may be assessed using net profit, while a limited company director can be assessed differently depending on the lender and the way income is drawn from the business.

Some lenders may also look at different periods of trading history or take different approaches where income has changed.

That variation is why understanding how your individual circumstances could be presented to lenders can matter just as much as the headline figures.

👉 See how Fort approaches mortgages for self-employed applicants at https://bit.ly/3SqAM28 and start a free initial conversation.

Your home may be one of your biggest financial assets, and later life lending can provide a way to explore whether some ...
27/08/2026

Your home may be one of your biggest financial assets, and later life lending can provide a way to explore whether some of that property wealth could support your future plans.

Depending on your circumstances, options may include a lifetime mortgage, retirement interest only mortgage, a standard remortgage or even downsizing.

Each route works differently and can affect your finances, your estate and what you may leave behind, so personalised advice is particularly important.

Fort Advice Bureau has advisers who specialise in equity release and later life lending and can help you understand the options that may be suitable for your circumstances.

🌐 Explore later life lending with Fort Advice Bureau at https://bit.ly/4q89vh7 and arrange a conversation about your plans.

Mortgage affordability does not always fit neatly into one standard pattern, particularly for people with variable incom...
25/08/2026

Mortgage affordability does not always fit neatly into one standard pattern, particularly for people with variable income, older borrowers or those whose circumstances need a more individual assessment.

The FCA has been reviewing mortgage rules and has proposed changes intended to give lenders greater flexibility in several areas, including variable and irregular income, later life borrowing and certain credit circumstances.

The important point is that responsible lending checks are not being removed.

Lenders would still need to assess whether borrowing is affordable, but the proposals could create more scope to consider the individual circumstances behind an application.

These are proposals rather than a guarantee that any particular borrower will qualify, and lender criteria will continue to vary.

👉 Keep your mortgage plans grounded in current criteria by starting a conversation with Fort Advice Bureau at https://bit.ly/4wpuRIx

Moving home is not simply a case of finding another property and taking your existing mortgage with you. 🏠Your current m...
21/08/2026

Moving home is not simply a case of finding another property and taking your existing mortgage with you. 🏠

Your current mortgage, remaining balance, property value, new purchase price, additional borrowing needs and affordability can all become part of the calculation.

In some cases your existing mortgage may be portable, but that does not automatically mean it will be the most suitable route for your new circumstances.

A fresh affordability assessment and comparison of the available options can help build a clearer picture before you commit to the move.

Fort Advice Bureau supports home movers with mortgage advice tailored to the property and circumstances involved.

Planning a move? Visit https://bit.ly/4bC2uzl and begin the mortgage conversation before your plans gather pace.

A 5% deposit is no longer linked only to a temporary government mortgage guarantee programme.The permanent Mortgage Guar...
19/08/2026

A 5% deposit is no longer linked only to a temporary government mortgage guarantee programme.

The permanent Mortgage Guarantee Scheme has been available since July 2025 and is designed to support the continued availability of mortgages between 91% and 95% loan to value through participating lenders.

For eligible buyers, this can mean purchasing with a deposit as small as 5%.

It does not mean every applicant will qualify, and lenders will still carry out their own affordability, credit and eligibility assessments.

If your deposit is one of the biggest questions around buying a home, understanding the available mortgage routes can help you plan your next move more clearly.

➡️ Start by exploring Fort Advice Bureau at https://bit.ly/4wpuRIx and speak with an adviser about what your deposit could mean for your mortgage options.

Your mortgage may help secure the address, but your income is what helps keep everyday commitments moving.Income protect...
17/08/2026

Your mortgage may help secure the address, but your income is what helps keep everyday commitments moving.

Income protection is designed to replace a portion of your monthly income if illness or injury leaves you unable to work, subject to the terms and conditions of the policy.

The right cover can depend on factors such as your occupation, existing sick pay arrangements, how long you could manage before receiving a benefit and how long you would want that benefit to continue.

That is why protection advice should be shaped around your circumstances rather than treated as a standard add on.

👉 See how Fort Advice Bureau approaches protection at https://bit.ly/3UpnIdK and request a free initial conversation.

Thank you to Peter for sharing this thoughtful feedback. 🙏Every mortgage journey is different, and more complicated circ...
13/08/2026

Thank you to Peter for sharing this thoughtful feedback. 🙏

Every mortgage journey is different, and more complicated circumstances can make clear communication and personal support especially valuable.

The Fort team is proud to help clients understand their options and move through the process with greater confidence.

Read more about Fort Advice Bureau and submit your own enquiry at https://bit.ly/4c0lFmn

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

Address

Saxon House
Chelmsford
CM11HT

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Fort Advice Bureau Ltd - Mortgages & Protection posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Fort Advice Bureau Ltd - Mortgages & Protection:

Shortcuts

Share

Category