Mortgages by Magda

30/10/2026

28/10/2026

🏠 100% Mortgage Options Available from April Mortgages

As a mortgage broker at Mortgages by Magda, with access to a wide panel of lenders, I can assess whether this or alternative mortgage options may be suitable for your circumstances.
Some buyers may now be eligible for 100% LTV (no deposit) mortgages through April Mortgages, subject to strict lending criteria and affordability assessment.
If you would like more information, please call on 07542261889 or email [email protected]
🔎 Key eligibility criteria (April Mortgages – 100% LTV)
☑ Minimum household income (£24kpa) and affordability assessment
☑ Strong credit history
☑ Evidence of consistent rental or housing payment history (where applicable)
☑ House Purchases only, no flats or new build houses
☑ First-time buyers and home movers considered
☑ Max loan £600k (free mortgage valuation)

Although no deposit is required, your client has funds for other fees and charges that will be applicable (for example, SDLT, moving costs, legal fees, broker fees and valuation fees etc.)

Built-in safeguards include:
☑ Longer-term fixed rates (10 or 15 years) - shielding you from short-term rate volatility
☑ Automatic rate reductions - as the loan is repaid and LTV improves
☑ Capped LTI at 4.49x
☑ Robust affordability stress testing - ensuring repayments remain manageable, even in adverse conditions
☑ Strict creditworthiness checks - requiring a strong, recent credit history and stable income
☑ There are no ERCs (Early Repayment Charges) when moving house, regular overpayments, lump sums or redeeming in full when clients are using their own funds. If clients are refinancing / remortgaging then ERCs will apply.

⚠ Important risk information
• Borrowing 100% of a property’s value means no equity buffer at completion
• Property values can fall and you may go into negative equity
• Monthly repayments may be higher than lower LTV products

This post is for information purposes only and does not constitute financial advice.

All mortgages are subject to status, affordability checks, and lender criteria.
If you would like a personalised assessment, please get in touch.

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

The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

13/10/2026

Self-employed and struggling to secure a mortgage? You’re not alone—and it’s absolutely possible.

I recently helped a client who had been trading for just over a year. Their bank said no straight away, as they required at least two years of accounts—something many high street lenders stick to.

But here’s the thing: not all lenders work the same way.

🔎 Why did their bank say no?
• Less than 2 years’ trading
• Strict policy on employed vs self-employed income
• Limited flexibility on how income is assessed

✅ Why did another lender say yes?
• Accepted 1 year’s accounts
• Considered latest trading figures & growth
• Took a more flexible, case-by-case approach

I was able to place the case with a lender who understood the client’s situation—and got the mortgage approved.

This is why using a broker matters. If you go direct, you’re limited to one bank’s criteria. I match you with the lender that fits your situation.
If your situation isn’t “standard,” don’t assume it’s a no.

📩 Get in touch—I’m here to help.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

25/09/2026

https://www.financialreporter.co.uk/first-time-buyers-face-confidence-gap-as-76-encounter-unexpected-challenges.html?SRC=MC&dm_i=7MRH,313RT,TIF4I,7Y850,1,0,0,0

90% of first-time buyers feel prepared before they begin, but the vast majority face unpleasant surprises along the way.

25/09/2026

“Why did my bank say no… but another lender said yes?”
This came up again this week 👇
A client approached their high street bank directly and was declined for a mortgage.
Reason?👉 “Affordability doesn’t fit our criteria.”
That was it. No real explanation.
They came to me frustrated, assuming they couldn’t buy.

But here’s what actually happened:
☑️The bank was using a very strict affordability model ☑️ They didn’t take 100% of the client’s bonus income into account ☑️ They applied a higher stress rate than some other lenders.

When I reviewed the case, I knew this wasn’t a “no”… it was just the wrong lender.
We approached a different lender who:
✅ Accepted a higher proportion of bonus income
✅ Used a more flexible affordability calculation
✅ Better suited the client’s employment structure.

Result? 🎉 Mortgage approved 🎉
Same client. Same income. Completely different outcome.

This is the part most people don’t realise:
❌ Not all lenders assess you the same way
❌ Going direct to one bank = one set of criteria

✅ A broker gives you access to multiple options.

If you’ve been declined before, it’s always worth getting a second opinion.
I'm happy to sense-check your situation 👍

Tel 0754 2261 889
Email: [email protected].

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

19/06/2026

🐾🏠Thinking about Right to Buy? Mr Blue explains… 🏠 🐾

Mr Blue the Dalmatian — Mortgage Barketing Manager, gives his top tips on Right to Buy: 🐾

✅Check your eligibility
You’ll need to meet certain criteria — Mr Blue says “no shortcuts, even for pockets full of treats” 😅

✅Understand your discount
The longer you’ve been a tenant, the bigger the potential saving 💰💸

✅Budget beyond the purchase
Repairs, maintenance, and bills are now your responsibility 🛠

✅Get your mortgage ready
Not all lenders treat Right to Buy the same — expert help is key 🔑

✅Think long-term
This is your home now… make sure it suits your future (and your dog’s garden needs🐶🌿)

✅Get advice early
Mr Blue always says: “Sniff out the details before making big decisions” 👃

Mr Blue’s final verdict:
“From tenant to homeowner… now that’s a paw-some upgrade.” 🐾🏡

📩Considering Right to Buy? Drop me a message — I’ll guide you through it step by step (with Mr Blue’s ‘’paw approval’’, of course!)

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

The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

29/05/2026

📢 Self-Employed and Concerned About Mortgage Affordability?

Some lenders, including Nationwide Building Society, may offer enhanced affordability assessments on selected 5–10 year fixed rate mortgages for eligible applicants.

This could help some employed and self-employed clients borrow more, subject to status, underwriting, and lending criteria.

Available for:
✅ Home movers
✅ Remortgages
✅ Standard residential properties used as the applicant’s main residence

Minimum income requirements apply:
• £40,000 for sole applicants
• £70,000 for joint applicants

Not available for:
❌ Shared Ownership, Right to Buy, or other schemes
❌ Interest-only mortgages
❌ Porting applications
❌ Second homes or holiday homes

Additional criteria and exclusions apply.
If you’d like to understand what options may be available based on your circumstances, feel free to get in touch for personalised mortgage advice. As a mortgage broker at Mortgages by Magda, with access to a wide panel of lenders, I can assess whether this or alternative mortgage options may be suitable for your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

13/05/2026

🏡 New Low Deposit Mortgage

Lloyds Banking Group brands are launching a new mortgage product aimed at helping eligible first-time buyers get onto the property ladder with a minimum deposit of £5,000.

Key features include:
✅ Available from 18 May 2026
✅ Up to 98% loan-to-value
✅ Maximum property value of £300,000
✅ Available to employed and self-employed applicants
✅ Available through intermediaries

Please note:
• Subject to affordability, underwriting, and lending criteria
• Minimum deposit may vary depending on property price
• Gifted deposits are not accepted
• Not available on new-build or shared ownership properties
• At least one applicant must be a first-time buyer

This may help buyers who can afford monthly repayments but have struggled to save a larger deposit.

If you’d like to explore whether this could be suitable for your circumstances, feel free to get in touch.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

08/05/2026

Mila, Head of Security and Mr Blue, Barketing Manager, are asking now… “Is it home time yet?”

Today’s schedule:
✔️Pretend to work✔️
✔️ Think about the weekend ✔️
✔️ Celebrate every email like it’s the last one of the day ✔️

Blue and Mila already approved all mortgages for today…
(mainly so they can clock off early and chase tennis balls full-time 🎾⚽⚽)
If you need anything, best be quick —once we log off, it’s strictly paws off until Monday 🐾🐾

📩Message me before we both mentally check out for the weekend!

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

The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

06/05/2026

These lenders are offering 100% Loan-to-Value (LTV) mortgage products for eligible applicants, helping buyers explore options with no deposit required, subject to criteria:

✅ April Mortgages
✅ Skipton Building Society
✅Melton Building Society
✅Hanley Economic Building Society

These products are typically subject to strict eligibility checks, including affordability assessments, credit scoring, lending criteria and individual circumstances. Availability may vary and can change at any time.

⚠️ Important information

This post is for information purposes only and does not constitute financial advice. If you would like more information, please call on 07542261889 or email [email protected]

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

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.