Ernestmay

Our Premium Advisors have access to 12,000 mortgages from 90+ lenders and will find the right deal

06/05/2026

The value of a parent 👨👩💛
The job description of a parent is endless — provider, protector, taxi, chef, teacher, comforter… the list goes on.
But have you ever stopped to think: what would happen if you were suddenly unable to do those things?
This is why so many families choose to review their protection alongside their mortgage — so the bills, the home, and day-to-day life are still covered if the unexpected happens.
If you’d like a quick, no-pressure chat to sense-check what cover you have (and whether it still fits your family today), message us “PARENT” and we’ll talk it through.

05/05/2026

🏦 Bank Rate holds at 3.75% - here's what it means for you!

Last week the Bank of England held the base rate, and honestly? In the current climate, that's not the worst outcome.

With inflation still sitting above target at 3.3% and ongoing uncertainty in global markets, they've opted for caution over cuts. So what does that mean if you're thinking about your mortgage?

👉 Coming to the end of your current deal? If you're within 6 months of your fix ending, it's worth exploring your options now. Many lenders let you lock in a rate today and switch later if something better comes along, so you get protection without losing flexibility.

👉 Thinking about buying your first home? Don't let the headlines put you off. Lenders are still competing for business, and there's more choice in the market than there was 12 months ago. The key is understanding your options, not rushing into a decision.

The market is moving, just not as fast as any of us would like. The best thing you can do is go into it informed.

Not sure where to start? That's exactly what we're here for 😊

01/05/2026

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗙𝗶𝘅𝗲𝗱 𝗥𝗮𝘁𝗲 𝗘𝗻𝗱𝗶𝗻𝗴 𝗦𝗼𝗼𝗻? Let’s Review Your Options 🏡💷
If your deal ends in the next few months, it’s worth reviewing your remortgage early — most people can secure a new rate 3–6 months before their current one finishes.
Why it matters: leaving it late can mean you roll onto your lender’s SVR, which is often much higher, and you lose time to compare properly.

We'll help you:
- see what’s available across the market ✅
- understand what your new payments could look like 💷
- choose the right fixed term for your plans 📆

📩 Message us “REVIEW” and we’ll book a free, no-obligation remortgage chat.

29/04/2026

Thinking of becoming a landlord? 🏡🔑
Buy-to-let mortgages aren’t assessed the same way as residential — and the “right” deal depends on things like your deposit, expected rental income, property type, and whether you’re buying personally or through a limited company.

That’s where we can help.
With strong knowledge of the buy-to-let market and access to a wide range of lenders (including specialist options), we'll help you find a mortgage that fits your circumstances.

📩 Message us “BTL” and we’ll book a free, no-obligation chat.

27/04/2026

Last week inflation rose to 3.3% - what does this mean for you?

🏡 Homeowners
If you’re coming off low fixed rates, you may see a more noticeable jump in repayments.
If you’re exiting a more recent deal, the change could be less noticeable.

🔑 Looking to buy?
The market is evolving and lenders are becoming more flexible, with more options available.
Many buyers may be closer to buying than they think.

Our latest research shows affordability remains a key consideration for aspiring buyers:
52% say they’re ready to buy this year
41% are still waiting for a ‘sign’ to make their move
Top concerns: house prices (45%), deposits (44%), and not fully understanding the process (31%)

Not sure where to start? That’s exactly what we're here for. Let’s chat and explore what’s possible for you 😊

24/04/2026

𝗧𝗮𝗸𝗲 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 🏡💷
Most people only think about their mortgage when their deal is about to end — and that’s when you’re under pressure to make a quick decision.
Our 24/7 Mortgage Monitor keeps an eye on things for you, tracking your mortgage every day to help make sure you’re always on a deal that’s right for you ✅

No constant checking. No guessing. No missed opportunities.
If you want us to keep watch on yours and let you know when it’s worth reviewing, message “MONITOR” and we'll explain how it works.

22/04/2026

𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿𝘀! 🏡✨
Get access to 90+ lenders and 12,000+ mortgage deals — including high street banks and specialist lenders.
If you’re trying to get on the ladder, the right mortgage isn’t always the one your bank offers. A broker can help you understand what you can do, what you can borrow, and which lenders are most likely to say yes based on your situation.

We can help you with:
- how much you could borrow 💷
- deposit options + what you’ll need to prepare ✅
- getting mortgage-ready before you start offering (or helping you move quickly if you’ve found a home) 🔑

📩 Message me “FTB” and we’ll book a free, no-obligation chat with one of our brokers.

17/04/2026

Choosing between a 2-year and 5-year fixed rate can make a big difference to your monthly payments and your peace of mind 🏡💷
It’s not just about “what’s the lowest rate today” — it’s about what fits your plans, for example:
- Are you likely to move in the next couple of years?
- Do you want payment certainty for longer?
- How comfortable are you with rates changing when your deal ends?

Get in touch and we'll break down the pros and cons and help you choose the term that suits you ✅

📩 Message us “FIX” and we’ll book a quick chat.

15/04/2026

New-build mortgage tip (most buyers miss this) 🏡💷
If you’re buying a new build and the developer offers incentives — like a gifted deposit, upgrades, or a stamp duty contribution — it can affect your valuation and how much you can borrow.

Here’s why it matters 👇
Many lenders want incentives disclosed and may base lending on the net price (purchase price minus incentives), not the headline price. That can change your loan to value, which can impact the rates and products available.

What to do ✅
Declare incentives upfront and get your broker to structure the deal properly before you commit — it can save a lot of stress later.

If you’re buying a new build and want a quick sense-check, message “NEW BUILD” and we’ll talk it through.

14/04/2026

Mortgage Advice Made Simple 🏡💷
Book a free, no-obligation chat today and find out what you could borrow — with clear advice and a plan that fits your situation.
Whether you’re a first-time buyer, moving home, or your fixed rate is ending and you’re thinking about a remortgage, we'll help you understand your options and guide you through the next steps ✅

📩 Want to get started? Message us and we’ll get your free chat booked in.

Address

33 Robjohns Road
Chelmsford
CM13AG

Telephone

+443333355903

Website

https://www.ernestmay.com/

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