The Mortgage Branch

The Mortgage Branch We are a new kind of mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice.

Planting a tree for every mortgage that completes 🌳

Click the link to have a call with one of our experienced team: [email protected]/s/RJo7msiKk0ypuP5eaztQNg2?is" rel="ugc" target="_blank">https://outlook.office.com/book/[email protected]/s/RJo7msiKk0ypuP5eaztQNg2?is The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £495.

-employed in , or ? Learn how to secure a mortgage when income is complex—essential docs, steps, and how a speciali...
09/09/2026

-employed in , or ? Learn how to secure a mortgage when income is complex—essential docs, steps, and how a specialist broker helps. Read more:
https://lnkd.in/etikvk2f

Thank you to Krzysztof for sharing such positive feedback. We’re delighted to hear that our team provided a helpful, res...
08/09/2026

Thank you to Krzysztof for sharing such positive feedback. We’re delighted to hear that our team provided a helpful, responsive and efficient service throughout the mortgage process. Recommendations from our clients mean a great deal to us and inspire us to continue delivering clear, expert mortgage advice across Cheltenham and the surrounding areas.

07/09/2026

The fastest might no longer be staying with your existing lender.

Barclays UK has launched a new Fast-Track Remortgage service that could give eligible borrowers a mortgage offer within 24 hours and allow completion in as little as five days.

That is a significant change.

For years, one of the biggest advantages of accepting a product transfer from your existing lender has been convenience.

No lengthy application.

Often no new valuation.

Usually no solicitor to arrange.

And less risk of missing the deadline before your current deal ends.

The problem?

Convenience can stop borrowers checking whether a better option exists elsewhere.

A product transfer may be the right choice. But it should be selected after comparing the alternatives, not simply because changing lenders feels too complicated or too slow.

Barclays’ new service is designed to remove that obstacle.

Eligible clients could benefit from:

✅ A offer within 24 hours

✅ Completion in as little as five days

✅ Prioritised valuation and conveyancing

✅ A faster route to switching from another lender

Of course, eligibility and lending criteria apply. Not every borrower, property or remortgage will qualify.

And does not automatically mean best value.

A proper comparison should still consider:

• The interest rate

• Product and legal fees

• Cashback or incentives

• Early repayment charges

• Monthly payments

• Total cost over the initial deal period

• Flexibility for future plans

This is why we start reviewing mortgages around six months before the current deal ends.

It gives us time to compare staying with the existing lender against moving elsewhere, secure a suitable option and continue monitoring the market where lender rules allow.

The quickest option might be staying with your current lender.

It might now be switching to Barclays.

Or it might be another lender entirely.

The important thing is to compare before convenience makes the decision for you.

Is your mortgage deal ending within the next six months?

Message The Mortgage Branch and we will review your options.

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

31/08/2026

Before you restart your property search, restart your mortgage budget.

The holiday is over. Rightmove is open again. And that house you saved in June is still available.

Before you book a viewing, ask yourself:

“Am I searching with today’s budget, or one I worked out months ago?”

An old agreement in principle is a starting point, not a promise that the same borrowing will still be available.

Your income might have changed.
Your deposit might have grown.
You might have taken out car finance.
Your childcare costs might be different.

And lenders may assess your circumstances differently.

But there is another question that matters just as much as “How much can I borrow?”

“What monthly payment can I comfortably live with?”

A lender’s maximum is not necessarily your ideal budget.

Your mortgage needs to leave room for the rest of your life: bills, family plans, holidays, savings and the unexpected.

Before restarting your search, refresh these three numbers:

✅ Your usable deposit, after allowing for moving costs, any Stamp Duty and an emergency buffer.

✅ Your comfortable monthly payment, based on your actual spending.

✅ Your borrowing options, assessed against suitable lenders’ current criteria.

A longer mortgage term might reduce the monthly payment, but it can also increase the total interest you pay. A lower headline rate might come with fees that make it less attractive overall.

That is why a proper budget review is more useful than simply multiplying your salary.

At The Mortgage Branch, we can help you understand what is realistic before you fall in love with the next property.

Restarting your search this autumn? Message us to refresh your mortgage budget.

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

Such a lovely review for Ade! We're really pleased to hear the process felt easy from start to finish, and that we were ...
26/08/2026

Such a lovely review for Ade! We're really pleased to hear the process felt easy from start to finish, and that we were able to secure a preferable rate. Clear communication and genuine expertise are things we really pride ourselves on at The Mortgage Branch!

⭐⭐⭐⭐⭐

5 star review from one of Ade's happy clients ⭐⭐⭐⭐⭐
19/08/2026

5 star review from one of Ade's happy clients ⭐⭐⭐⭐⭐

Thank you, Miss Kujembola Olijogun, for your five-star review. We’re delighted to hear that you appreciated our regular ...
18/08/2026

Thank you, Miss Kujembola Olijogun, for your five-star review. We’re delighted to hear that you appreciated our regular communication and updates throughout your property journey. Keeping clients informed every step of the way is an important part of the personal, supportive mortgage advice we provide at The Mortgage Branch Gloucester.

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Cheltenham
GL503BA

Telephone

+441242696235

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