Fletcher Payne Mortgage Services

Fletcher Payne Mortgage Services 🏠 Mortgage Brokers
👩‍💻 Expert advice
⭐️ Follow for mortgage tips
👇 Speak to us today

05/01/2026

New year, new staff… slightly hairier than expected 🐐😂.

Due to the cold snap, our newest recruits have temporarily moved into the Fletcher Payne home office.

Meet Buster & Bambi – warming up, supervising mortgage applications and stealing hearts 💙

Business as usual… just with goats, all apart of the service!😅.

🏠🏠🐐🐐

✨ Thank You & Happy New Year! ✨As we wrap up the year, Lisa and Stacey just want to say a huge thank you to all our amaz...
31/12/2025

✨ Thank You & Happy New Year! ✨

As we wrap up the year, Lisa and Stacey just want to say a huge thank you to all our amazing clients for your continued support. 💖

It’s been a real pleasure helping so many of you get on the property ladder 🏡, move home, and remortgage to a new interest rate—and being part of those journeys.

We’ll be back in the office from 5th January.
If you’re already thinking about your 2026 home plans or an upcoming remortgage, feel free to get in touch. 📲

Wishing you all a Happy New Year filled with health, happiness, and wealth 🎉2️⃣0️⃣2️⃣6️⃣

— Lisa & Stacey ❤️🏡❤️

📉 Base Rate Reduced to 3.75%The Bank of England has reduced the base rate to 3.75%, which could be positive news for hom...
18/12/2025

📉 Base Rate Reduced to 3.75%

The Bank of England has reduced the base rate to 3.75%, which could be positive news for homeowners and buyers.

What does this mean?

✔️ Tracker mortgages – payments should reduce
✔️ Fixed rates – could this signal further reductions ahead?
✔️ Buyers & remortgagers – affordability may improve as lenders respond

Now is a great time to review your mortgage or plan ahead if your deal is ending soon.

📞 Get in touch for expert mortgage advice:
Fletcher Payne
📞 01243 969 315
📧 [email protected]

🌐 www.fletcherpayne.co.uk

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

10/12/2025

🎉 Celebrating One Year of Fletcher Payne! 🏡❤️

It’s been one incredible year since Stacey and Lisa joined forces to create Fletcher Payne, and what a year it’s been! 🙌❤️

Over the past 12 months, we’ve:
✅ Helped clients buy their first homes, forever homes, and investment properties
✅ Supported self-employed buyers, movers, and remortgagers
✅ Grown through trust, recommendations, and amazing client relationships

We’re incredibly proud of what we’ve built together — a business rooted in honesty, expertise, and genuine care for our clients 🤝❤️

A huge thank you to everyone who’s supported us along the way — clients, colleagues, and partners. We truly appreciate you ❤️

Here’s to another year of helping people make confident mortgage choices and turning house goals into home realities 🏠✨

📞 01243 969 315
📧 [email protected]

🌐 www.fletcherpayne.co.uk

❤️

📢 Important Update for Self-Employed ApplicantsFrom tomorrow, lenders will start to no longer accept 2023/24 SA302s as p...
30/09/2025

📢 Important Update for Self-Employed Applicants

From tomorrow, lenders will start to no longer accept 2023/24 SA302s as proof of income.

👉 If you’re planning to apply for a mortgage next month, you’ll need your 2024/25 SA302 ready to evidence your earnings.

✅ Tip: Get your accounts and tax return filed as early as possible to avoid delays with your mortgage application.

📞 Need advice on what this means for you?
Contact us today:
📧 [email protected]
📞 01243 969 286
🌐 www.fletcherpayne.co.uk

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

🚝 Good transport links still boost property value in major UK cities!📊 Premiums for properties 500m vs 1,500m from a sta...
25/09/2025

🚝 Good transport links still boost property value in major UK cities!

📊 Premiums for properties 500m vs 1,500m from a station:
🏙️ London: +£42.7k (8%)
🏘️ Manchester: +£10.9k (4.9%)
🏴 Glasgow: +£8.8k (4.6%)

📌 Buyer Insights:

London: 80% care about station proximity

Manchester & Glasgow: ~60% care

85% live within 30-min walk of a station

10% don’t own a car

💡
Buyers still pay more for well-connected homes — especially in London!

📞 Contact Fletcher Payne for expert advice:
01243 969 286
[email protected]

www.fletcherpayne.co.uk

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

✨ A New Home for Christmas? 🎄There are just 12 weeks until Christmas 🎅🎁 — and that’s still enough time to get the keys t...
22/09/2025

✨ A New Home for Christmas? 🎄

There are just 12 weeks until Christmas 🎅🎁 — and that’s still enough time to get the keys to your new home before the big day! 🏡

With the right mortgage advice, we’ll guide you through the process quickly and smoothly — so you could be hanging stockings by your own fireplace this year. 🔥✨

✅ 20+ years of mortgage experience
✅ Clear, jargon-free advice you can trust
✅ Stress-free process with personal support

📞 01243 969 315
📧 [email protected]

🌐 www.fletcherpayne.co.uk

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

07/08/2025

📉 Base Rate Reduced! 💷
Good news for mortgage holders and buyers 🏡

The Bank of England has reduced the Base Rate, and that could mean better mortgage deals on the horizon! 💡

What does this mean?
✅ Tracker mortgages will reduce
🤞 Fixed rates could follow if the trend continues
📈 Improved affordability for new buyers
🔁 Potential savings for those looking to remortgage

💬 What should you do now?
Even if your current deal isn’t ending soon, it's a great time to review your options. We’re here to help you plan ahead and make the most of any new opportunities.

📞 Ready to talk it through? Get in touch with us:

📧 [email protected]
📞 01243 969 315
🌐 www.fletcherpayne.co.uk

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

🏡 House Price Update – May 2025 📊📈 Annual Growth:House prices rose 3.5% in May (up from 3.4% in April)📅 Month-on-Month:P...
02/06/2025

🏡 House Price Update – May 2025 📊

📈 Annual Growth:
House prices rose 3.5% in May (up from 3.4% in April)

📅 Month-on-Month:
Prices increased by 0.5% compared to April

🌳 Rural vs Urban Growth (Last 5 Years):
🏞️ Rural areas: +23%
🏙️ Urban areas: +18%

🗣️ Robert Gardner, Nationwide Chief Economist, says:

“Annual UK house price growth was marginally stronger in May at 3.5%, compared with 3.4% in April. House prices rose by 0.5% month on month, after taking account of seasonal effects.

Official data confirmed a significant jump in residential transactions in March, with buyers bringing forward purchases to avoid additional stamp duty costs.

Despite wider global uncertainties, the UK housing market is holding up well. Unemployment remains low, earnings are rising, household finances are strong, and borrowing costs could ease if the Bank Rate is cut further in the coming quarters — as expected by most analysts.”

💡 Thinking of buying or remortgaging?
We offer friendly, bespoke, expert advice tailored to you.

📞 01243 969 315
📧 [email protected]
🌐 www.fletcherpayne.co.uk

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

📝 How Much Can You Borrow?Thinking of getting a mortgage but not sure where to start? Here's what lenders look at:💷 Your...
20/05/2025

📝 How Much Can You Borrow?

Thinking of getting a mortgage but not sure where to start? Here's what lenders look at:

💷 Your income – salary, self-employment, bonuses, benefits
📉 Your debts – credit cards, loans, car finance
📈 Credit score – the higher, the better your options
📊 Affordability – can you comfortably make the repayments?

🔎 Most lenders will offer up to 4.5x your income – but this can vary. Some go higher with strong credit or multiple incomes.

👩‍💼 We help you compare lenders and understand exactly how much you can borrow — and how to boost it.

📩 Get in touch with us for expert advice and a free initial chat:

📧 [email protected]
📞 01243 969 315
🌐 www.fletcherpayne.co.uk

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

🏡 Skipton introduce the Delayed Start Mortgage⏳ 3-Month Payment Delay• No repayments are due for the first three months...
19/05/2025

🏡 Skipton introduce the Delayed Start Mortgage

⏳ 3-Month Payment Delay
• No repayments are due for the first three months after completion.
• However, interest accrues daily from day one and is added to the mortgage balance monthly (on the 1st of each month).
• This means you’ll pay more interest overall compared to a standard mortgage.

💷 Best for Buyers Who Need a Breathing Space
• If you're in a position to start payments immediately, a different product might offer better long-term value.

• 🚫 Not compatible with government schemes like Shared Ownership, First Homes, or Help to Buy (Wales).

🔁 Make Overpayments
• You can overpay up to 10% of the original loan each year — even during the initial 3-month delay — without incurring early repayment charges.

🏗️ New Build Approved
• Suitable for purchasing new build homes.

✅ Eligibility Criteria
🧑‍💼 First-Time Buyer Requirement
• At least one applicant must be a first-time buyer.
• This means never having owned (or part-owned) a residential property anywhere in the world — including:

Buy-to-Let properties

Inherited properties (even if you never lived in them)

📞 Want to learn more or see if you're eligible?
Get in touch with us today:

📧 [email protected]
📞 01243 969 315
🌐 www.fletcherpayne.co.uk

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

Address

Northshore
Chichester
PO207AY

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 5pm

Telephone

+441243969315

Website

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