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Fort Advice Bureau Ltd - Mortgages & Protection

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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.

03/11/2026

Already own a rental property? 🏘️

Your current mortgage arrangement may be worth reviewing.

Landlords consider remortgaging for several reasons, including exploring products from other lenders or releasing equity to help fund another property project.

However, the options available depend on more than the property's value.

Lenders may also assess the expected rental income, your credit history, existing borrowing and the property itself.

It's also important to consider any arrangement fees, early repayment charges and the overall cost before making a decision.

At Fort Advice Bureau, we can help you review the available mortgage options and understand which arrangements may suit your property plans.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

30/10/2026

Have life cover through your employer? It's worth checking exactly what that benefit provides. 🛡️

Death in service benefit can offer financial support to your loved ones if you pass away while employed, but the amount provided may not be enough to repay your outstanding mortgage.

It's also important to understand what happens to that benefit if you change jobs or leave your employer.

A separate life insurance policy may help address any gaps, depending on your circumstances, existing cover and financial commitments.

At Fort Advice Bureau, we can talk you through your protection options so you can make an informed decision about the cover you need.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

28/10/2026

What if you could move into your next home without selling your current property? 🏠

A Let to Buy mortgage may allow you to rent out your existing home while purchasing another property to live in.

This can be worth exploring if you're struggling to sell within your preferred timescale or would like to keep your current property as a rental investment.

There are important factors to consider, including expected rental income, mortgage affordability, the responsibilities of becoming a landlord and potential additional property taxes.

Our mortgage advisers at Fort can help you understand the borrowing arrangements and whether Let to Buy could be suitable for your plans.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

26/10/2026

Saving for your first home? 🏡

Your deposit doesn't always have to come entirely from your own savings.

Parents or family members may be able to help with a gifted deposit, giving first time buyers another route towards getting onto the property ladder.

However, lenders have different requirements around gifted deposits.

They may ask for confirmation of where the money has come from and that it is a genuine gift rather than a loan that needs to be repaid.

At Fort Advice Bureau, we can help you understand how a gifted deposit could fit into your mortgage application.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

22/10/2026

Your first share does not always have to be your final share.

Shared ownership can allow you to purchase a share of a property while paying rent on the remaining portion.

Depending on the scheme and your circumstances, you may later have the opportunity to purchase additional shares. This is commonly known as staircasing.

Increasing your ownership can affect both your mortgage requirement and the rent payable on the remaining share, so it is important to understand the figures and the rules of your particular scheme before moving forward.

Thinking about shared ownership or staircasing?

Explore your options and speak to Fort Advice Bureau: https://bit.ly/4gNTgBH

Your home may be repossessed if you do not keep up repayments on your mortgage or the rent payable on the share you do not own. You will usually pay rent to a landlord on the share you do not own, in addition to your mortgage payments.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

20/10/2026

Need to borrow more?

Your current mortgage is only part of the picture.

If you are a homeowner looking for additional borrowing, there may be different routes to explore depending on your circumstances.

These could include approaching your existing lender about a further advance or considering a second charge mortgage alongside your current mortgage.

A second charge remains secured against your property, so affordability, costs and how the additional borrowing fits alongside your existing commitments all need careful consideration.

Considering additional borrowing?

Explore second charge mortgages and speak to Fort Advice Bureau about the options available for your circumstances: https://bit.ly/3Vxem0e

Your home may be repossessed if you do not keep up repayments on this or any mortgage secured on it. A second charge sits behind your existing mortgage - if your home is repossessed, the first charge lender is repaid before the second charge lender.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

16/10/2026

With bridging finance, the exit matters from day one.

A bridging loan is a form of short-term finance secured against property and can be considered in circumstances where funding is needed for a limited period.

One important part of the conversation is the exit strategy: how the bridging finance is expected to be repaid.

Depending on the circumstances, that could involve selling the property or moving onto longer-term finance.

Understanding both the initial funding requirement and the route out of the bridging loan can help you consider the wider picture.

Exploring bridging finance for a property?

Find out more and speak to Fort Advice Bureau: https://bit.ly/46nv6ck

Your home may be repossessed if you do not keep up repayments or repay the loan in full at the end of the term. Bridging finance is short-term and usually carries higher rates and fees than a standard mortgage - you must have a clear and credible exit strategy.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

14/10/2026

Your home could play a different role in your later-life plans.

For eligible homeowners, equity release can provide a way to access some of the value held within a property while continuing to live there.

There are different approaches, including lifetime mortgages and home reversion plans, and each can have different implications for your finances, your property and what you may leave behind as an inheritance.

That makes understanding the longer-term picture especially important before making a decision.

Considering equity release?

Find out more and speak to Fort Advice Bureau about your individual circumstances:
https://bit.ly/4hziBB0

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Interest is charged on the amount borrowed (and any interest already added), so the debt can grow quickly if not repaid. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

12/10/2026

Before the property viewings, get to know your numbers.

Buying your first home is exciting, but understanding your potential mortgage position early can help you approach the property search with greater clarity.

An Agreement in Principle can give you an indication of how much a lender may be prepared to lend, while an early conversation with a mortgage adviser can help you understand affordability and the options available based on your individual circumstances.

Ready to start planning your first home?

Speak to Fort Advice Bureau and arrange a free, no-obligation initial conversation:

https://bit.ly/4x3AD3b

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

Fort Advice Bureau is authorised and regulated by the Financial Conduct Authority. FCA Register number 972730

08/10/2026

A mortgage plan is about more than the property.

It is also worth considering the people responsible for keeping that plan on track. ❤️

Life cover, critical illness cover and income protection serve different purposes.

The right approach depends on your household, financial commitments and what you would want to happen if death, serious illness or an inability to work affected your finances.

Fort's guidance focuses on making protection relevant to the individual rather than treating every household the same.

See how protection can form part of your wider financial planning at bit.ly/3UVIXUT and contact Fort to discuss your needs.

Address

Saxon House
Chelmsford
CM11HT

Opening Hours

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

Website

https://fort-ab.co.uk/contact-us/

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