Megan Kearney - Mortgage & Protection Adviser

Megan Kearney - Mortgage & Protection Adviser Mortgage & Protection Adviser based in Bourne, Lincolnshire offering advice to clients all over 🇬🇧

Had worse places I’ve had to work… Being self employed means never fully switching off. I’ve got amazing support staff a...
26/08/2026

Had worse places I’ve had to work…

Being self employed means never fully switching off. I’ve got amazing support staff and case handlers but some things only I can do really.

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

Out of office now on! Last application done this afternoon for some clients moving home. Hopefully offered by the time I...
22/08/2026

Out of office now on!

Last application done this afternoon for some clients moving home. Hopefully offered by the time I’m back in the office.

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝔸𝕔𝕔𝕦𝕣𝕒𝕔𝕪 = 𝕤𝕡𝕖𝕖𝕕I’ve had a few cases that I’ve placed with Santander lately and I’m so impressed with their auto income ...
22/08/2026

𝔸𝕔𝕔𝕦𝕣𝕒𝕔𝕪 = 𝕤𝕡𝕖𝕖𝕕

I’ve had a few cases that I’ve placed with Santander lately and I’m so impressed with their auto income verification.

I get 4 months payslips minimum and a P60 because this enables me to have all the correct employer details, accurate salary information and it all matches up.

So much so, even on a self employed case lately they auto verified the income. You might all get annoyed at making tax digital, or at open banking, but it really can speed up mortgage offers.

Last nights application is now just approved pending a valuation which will likely be electronic due to the Loan to Value and accurate valuation figure.

Meaning this will likely offer early next week and it only got submitted Friday evening!

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

An insight in to yesterday…So imagine the day before you’re moving house, the lender sends a text to say it’s all comple...
21/08/2026

An insight in to yesterday…

So imagine the day before you’re moving house, the lender sends a text to say it’s all completed (solicitors get the money the day before) but the text panics you that the mortgage you’ve now got isn’t quite right in payments. And it wasn’t.

So, I don’t just go to my nail appointment and ignore it. I sit there viewing documents, messaging a colleague to help too (Sorry Nat!). I leave that appointment and don’t even head home. I get my laptop.

I tell the customer that you’re double checking but don’t worry. And he doesn’t worry as he knows he’s in good hands! He carries on his day knowing I’ve got it.

I sit and cry. Something isn’t right. I blame myself (despite it not being my fault) and I cry. I cry because my clients mean everything and I take it all so personally. I don’t tell him this yet as I want resolve.

BUT

You get dedication. You get broker support. You get it sorted!!

The lender calls me and apologises. They call the client and apologise before I had chance to confirm it was an issue as I kept clients pacified. They work on fixing it and I don’t stop until they do.

This wasn’t my fault. It got highlighted and the customer had full faith in me to resolve.

Now imagine all that stress YOURSELF the day before moving home without the support of little old me.

Sometimes, you really do pay to get expertise, peace of mind, and ownership!

Now, let’s get them moved in today!! It’s been a long time coming. Even will raise a glass tonight 🤣 🥂

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

Hi, my names Megan and I’m consistently inconsistent with my socials these days, sorry!I’m really lucky as I don’t rely ...
28/07/2026

Hi, my names Megan and I’m consistently inconsistent with my socials these days, sorry!

I’m really lucky as I don’t rely on them for new customers these days but still it’s great to showcase what I do once in a while.

Yesterday was a decision in principle for two first time buyers. Stretched income with a booster to get more lending than most lenders were willing to give.

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

Me: I don’t work Fridays sorry… Also me: Here, have an agreement in principle within an hour of me getting the informati...
03/07/2026

Me: I don’t work Fridays sorry…

Also me: Here, have an agreement in principle within an hour of me getting the information!

Life admin and house chores can wait. First time purchases cannot ahead of the weekend!

🤣🤣🫠🫠

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

02/07/2026

Eeeek little bit of advertising for me at 23 Coffee … what do you think?

Ticking off the compliance modules one by one.💯 none the less.📞 07971678594📧 megan@mortgage1st.co.uk YOUR HOME MAY BE RE...
09/06/2026

Ticking off the compliance modules one by one.

💯 none the less.

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

Happy Bank Holiday! Hope you’re all enjoying the sun and a lovely long weekend for those who have time off work. ☀️
24/05/2026

Happy Bank Holiday!

Hope you’re all enjoying the sun and a lovely long weekend for those who have time off work.

☀️

MORTGAGE OFFERED!How exciting to receive that email! One this week was a tricky one: 💷 Payslips said paid in cash but wa...
22/05/2026

MORTGAGE OFFERED!

How exciting to receive that email! One this week was a tricky one:
💷 Payslips said paid in cash but was bank transfer;
💷 Payslips issued monthly but paid weekly;
💷 Weekly pay didn’t add up to the monthly wage slip.

These could be red flags 🚩 to any lender but covering off all my due diligence, I obtained multiple extra documents including government profiles showing income for hr last six years.

Second applicant had varied income - BUT again I gathered additional documents.

1 mortgage offer issued!!

Happy clients, buying their first family home.

📞 07971678594
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

Address

2 Napier Court, Gander Lane
Chesterfield
S434PZ

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