Mortgage 1st

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Award Winning Professional Mortgage & Protection Advice for customers all over the UK There may be a fee for mortgage advice. SOL1440
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Mortgage 1st was established in 2008 with the aim of offering professional quality advice to clients throughout the UK. We offer a modern approach to mortgage advice, in that we can deal with the entire process from start to finish via phone and email, there is no need for long intrusive face-to-face sales appointments with us. Within minutes of your enquiry, you will be allocated an adviser who will search the market to find the most suitable mortgage based on your individual circumstances. Mortgage quotes and even a decision in principle can be emailed within a matter of minutes and your mortgage application can be submitted the same day! After many years of successful business a large portion of our work now comes via referrals from our existing customers which is testament to the quality service we offer. We offer a free initial consultation and can also provide advise on your entire mortgage related insurances needs. Mortgage advice areas:

• Remortgages
• First time buyers
• Home mover
• Buy to let
• Right to buy
• Shared Ownership
• Home improvement Mortgages
• Capital raising

We can also offer advice in:

• Life insurance
• Critical illness
• Home insurance
• Income protection

Please contact us on 01246 201712 or via email at [email protected] for further information

Your home may be repossessed if you do not keep up repayments on your mortgage. The precise amount will depend upon your circumstances but we estimate it to be £599 for a standard mortgage and £995 for an adverse credit mortgage. The fee may be charged at varying stages of your application and will always be discussed upfront. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurances, conditions and exclusions will apply.

05/11/2026

If you’ve seen the news today, you might think the base rate has ‘skyrocketed’ this bonfire night 📰

It hasn’t.

It’s gone up by 0.25%, which is the first time since 2023
They’re doing it to try and reduce inflation.

What’s important to know is that lenders won’t necessarily raise their mortgage rates by the same amount, but there could be some changes coming.

If you’re on a fixed rate, your payments will stay the same until your deal ends. If you’re on a variable rate, they might go up.

You don’t need to follow every headline, because that’s what we’re here for.

We’ll keep you up to date with what’s going on.

For advice based on your own mortgage, book a chat with us today 👋

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

02/11/2026

A joint mortgage doesn't automatically mean one policy is enough to cover both of you. 🤔

Joint policies often pay out just once, then end.

Separate policies give individual cover, with flexibility.

You need to think about how one of you would manage without the second income in your household

We review your mortgage, income, and existing cover. We'll look through joint and separate options, explaining payouts.

We help you work out the cover you both need. 🔎

Let us find options that fit your circumstances and budget.

Get in touch today. ☎️

As with all insurance policies, conditions and exclusions will apply.

01/11/2026

New research found that AI gets financial answers wrong 57% of the time. Now, for trickier questions, that jumps to 88%. 🫢

That's a lot of room for error when it's your mortgage on the line.

AI can be handy for explaining terms or pointing you towards the right questions to ask.

But it doesn't know your income, your circumstances or what you can actually afford.

This is especially true if you're self-employed, have less-than-perfect credit or less than a 20% deposit saved up, you'll need a specialist like us on your side, not AI!

A mortgage is personal, and the details matter.

If you've had an AI answer that's left you unsure, bring it to us and we'll talk it through properly. 💬

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

Source: https://www.financialreporter.co.uk/ai-models-give-wrong-financial-advice-57-of-the-time-saturn-research-finds.html

30/10/2026

Your mortgage renewal date shouldn't be left lurking in the shadows. 👻

Let it slip past, and you could land on your lender's SVR (their standard variable rate).

That's the rate you fall onto automatically, and it's usually much higher than what you're paying now. It could mean handing over hundreds more each month.

Spooky stuff. 🕸️

But here's your treat. We can start hunting for new deals up to 6 months before your renewal date, so your finances never get caught out trick-or-treating.

And if rates drop after we've secured you a deal, we could still switch you to a lower one before everything completes.

Speak to us before your renewal date creeps up on you. 🎃

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

28/10/2026

The big announcement from the Autumn Budget is that the Your First Home Scheme has officially been confirmed! ✅

We mentioned this a few weeks ago, but it's now official!

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that's interest-free for the first 5 years! 🏡

Applications aren't open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📆

Pre-registering won't commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

There's also news about a new First Time Buyer ISA!

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It's intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.

There's no confirmed launch date for the new ISA yet, but we'll keep you updated!

It's great to see some positive announcements for first-time buyers! 🤩

If you're planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

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

26/10/2026

Your income does so much for you. It keeps the roof over your head, pays the bills, and puts food on the table. 🏠

But what happens if you can't work due to illness or injury? 😥

Your savings might not stretch as far as you think.

Income protection could provide a regular income, helping you keep up with your outgoings.

Protecting your ability to earn is just as important as protecting what that income buys.

Let us help you safeguard your future.

Get in touch today. 📞

As with all insurance policies, conditions and exclusions will apply.

25/10/2026

The clocks went back this weekend, extra hour in bed for most of us. ⏰

But if you spotted a mortgage rate you liked a few weeks back and now wish you'd grabbed it, we get why you're wondering about turning back time too.

We can't quite do that one, sadly.

What we can do is show you exactly what's available now and how it compares to what you had your eye on.

Rates move around often, sometimes weekly, so it's always worth checking rather than guessing.

If your current deal ends in the next 6 months, now's the time to speak to us.

That way you're not rushing when your lender's offer runs out, and you'll know your options well in advance. 📲

Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage

21/10/2026

Think about it. What if a serious illness meant you couldn't work for longer than statutory sick pay allows?

That support might simply not be enough to cover your bills. 🏠

We've seen firsthand how challenging this can be.

That's why having the right protection in place is so important. It gives you and your loved ones peace of mind. ✨

Income protection is designed to pay out a portion of your monthly salary while you're too ill to work.

Critical Illness Cover comes in the form of a tax-free lump sum, often paid out after diagnosis of a serious illness like a stroke, cancer, or heart attack.

We'll chat about your history and needs compared to each policy so you know exactly what you're signing up for and how that protection could support you.

Let us help you build that security.

Book a chat with us today. 📅

As with all insurance policies, conditions and exclusions will apply.

Source: https://theintermediary.co.uk/2026/09/more-than-a-third-of-ftbs-do-not-recall-receiving-protection-advice-data-finds/

As with all insurance policies, conditions and exclusions will apply.

19/10/2026

A mark on your credit file doesn't mean the door's shut on a mortgage. 🔑

Lenders look at your whole situation, not just one bump in the road.

Here's what helps us get started on your behalf.

Some background on your credit history, so we know what happened and when. 🔎

A copy of your credit report, so we can see things as they stand. 💳

Evidence that any settled debts are cleared, if that applies to you.

Your recent income and bank statements, to show your current position.

A lender who understands your circumstances might be easier to find than you'd expect.

Speak to us and let's have a look at your options. ☎️

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

18/10/2026

Property chains can become stressful when one part of the transaction gets delayed 😲

If you’re struggling to sell your current home, there may be alternatives.

A Let to Buy mortgage could allow you to rent out your existing property

You could then potentially use a mortgage on your new home to move forward. Your existing property becomes an investment rather than needing to be sold immediately 📈

Rental income may be considered by lenders, subject to their criteria. You’ll need to meet the affordability and lending requirements for both mortgages. 💷

Not every property or borrower will be suitable for Let to Buy
There can be tax, legal and landlord responsibilities to consider

The right strategy depends on your circumstances, so it’s worth exploring your options before assuming you’re stuck in the chain. ⛓️

Let's chat about your options today ☎️

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

Address

Head Office/2 Napier Court, Gander Lane, Barlborough
Chesterfield
S434PZ

Telephone

+441246201712

Website

https://www.mortgage1st.co.uk/

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