Jo Nelson Mortgage & Protection Services

06/02/2026

Here's why income and deposit affects how big a mortgage you can get. 🏡

Loan-to-value (LTV) is the percentage of the property value you're loaned as a mortgage.

In simple terms, it's the price of your property minus your deposit or equity.

Mortgages tend to get much cheaper at 90%, 80%, 75% and 60% LTV (they don't tend to get cheaper below 60%).

If you're slightly above one of these main LTV boundaries, so 76% or 61% for example, it's worth trying to scrape together an extra deposit or haggling on the property's purchase price.

And if you're at the top limit of a boundary, so 75% exactly for example, pushing down a further 0.1% to 74.9% could improve your chances of mortgage acceptance. 👇

06/04/2025

Tom Lord bought a £142,000 home with his girlfriend - then they split up. Here's how a Declaration of Trust would have helped

04/02/2025

21/03/2024

14/03/2024

Living together? Protect your future with a Cohabitation Agreement. 🏡

Whether you're moving in together, planning for children, or sharing a home with friends or siblings, a cohabitation agreement sets out clear arrangements for finances, property, and more. 💼

Don't leave your rights to chance. Unlike married couples, living together doesn't automatically secure your shared assets or responsibilities. From property division to next of kin rights, a legally binding cohabitation agreement safeguards you both, no matter what life throws your way. 📜

Our family law experts are here to guide you through the process, ensuring your agreement reflects your unique situation and provides the protection you need. Considering a cohabitation agreement? Let's talk about securing your future together. 🌟

18/01/2024

01/12/2023

Selling a house can be a stressful and overwhelming process, and one of the most crucial factors in ensuring a successful sale...

28/11/2023

Already married or in a civil partnership and considering how to manage your finances if things change? 🤝

A postnuptial agreement can bring clarity and peace of mind. It's not just for those without pre-nups; it's also for couples who've reconciled after a separation. Let's secure your future, together. 💼🔐

04/01/2023

A lasting power of attorney (LPA) is an important legal document that allows you to appoint someone you trust to make decisions on your behalf if you are unable to do so. Some of the benefits of having an LPA include:

✅ Ensuring that your affairs are managed according to your wishes.
✅ Protecting your assets and finances.
✅ Giving you peace of mind and security.
✅ Avoiding potential conflicts or disputes among family members.

04/01/2023

What’s going to happen in the Chelmsford Property Market in 2023? It’s a question we are being asked a lot so take a read of our latest article with some thoughts and statistics. You can find the link in the comments.

We’re also running a Facebook live clinic on Monday 9th January 2023 where our Director Matt Baldock will be answering your questions and you can join this session via this link https://fb.me/e/3Zdyg8f6J