Rachel Ramsay - Mortgage Specialist

14/06/2026

10/06/2026

This week on Mortgages Made Simple… we’re talking about Guarantor Mortgages.

They’re often associated with first-time buyers, but they’re not always as straightforward as people think.

A guarantor mortgage allows someone else, often a parent or close family member, to support your mortgage application.

That doesn’t necessarily mean they’re giving you money or owning part of the property.

It’s simply one of the ways some lenders may help people who need additional support getting onto the property ladder.

This week, I’m breaking down what a guarantor mortgage is and how it works.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

09/06/2026

Not every mortgage journey starts with excitement.

Sometimes it starts after a relationship breakdown.

After a life change.

After a period of uncertainty where you’re trying to work out what comes next.

These conversations can feel incredibly personal, and it’s completely normal to feel overwhelmed by the decisions in front of you.

What I’ve learned over the years is that people rarely need more pressure.

They need clarity.

They need reassurance.

And they need someone who will listen without judgement and explain their options in a way that makes sense.

If you’re navigating a new chapter and aren’t sure where to start, please know you don’t have to figure it all out alone.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

06/06/2026

This week on Mortgages Made Simple… we’re talking about Higher Lending Charges.

It’s one of those terms that sounds far more complicated than it actually is.

A Higher Lending Charge is a fee that some lenders may apply when you’re borrowing a larger percentage of a property’s value.

The important thing to know? Not every lender charges it.

Which is why it’s always worth looking beyond just the interest rate and understanding the full cost of a mortgage.

This week, I’m breaking down what it means and why it matters.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

03/06/2026

One of the questions I’m asked most often by first-time buyers is:

“How much do you charge?”

The answer might surprise you.

For most first-time buyers, my advice and mortgage arrangement service comes at no cost to you. Instead, I’m paid by the lender once your mortgage completes.

It’s a chance to find out how much you could borrow, understand your options, and ask all the questions you think you should already know the answers to.

Because buying your first home is a big enough step without worrying about hidden costs or confusing jargon.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

31/05/2026

A landlord client was introduced to me back in February by Jamie Grimshaw at Compare Your Funding.

When we met on site at their recycling depot in Blackpool, it wasn’t just about a mortgage — it was about strategy ♟️

They owned two Buy to Let properties and wanted to know:
How can we make our portfolio work harder for us? 🤔

By restructuring their existing properties and releasing capital, we were able to raise the deposit needed for their next move… without selling a single asset 🙌

Fast forward just three months — they’re now about to get the keys to their dream home 🏡

This is what smart portfolio planning looks like:
Using what you already own to create new opportunities 💰

If you’re a landlord sitting on equity and wondering what’s possible, let’s have a conversation 👍🏻

☎️ 07593607440
📧 [email protected]
🌍 www.ramsayfinancial.co.uk

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

31/05/2026

A landlord client was introduced to me back in February by Jamie Grimshaw at Compare Your Funding.

When we met on site at their recycling depot in Blackpool, it wasn’t just about a mortgage — it was about strategy ♟️

They owned two Buy to Let properties and wanted to know:
How can we make our portfolio work harder for us? 🤔

By restructuring their existing properties and releasing capital, we were able to raise the deposit needed for their next move… without selling a single asset 🙌

Fast forward just three months — they’re now about to get the keys to their dream home 🏡

This is what smart portfolio planning looks like:
Using what you already own to create new opportunities 💰

If you’re a landlord sitting on equity and wondering what’s possible, let’s have a conversation 👍🏻

☎️ 07593607440
📧 [email protected]
🌍 www.ramsayfinancial.co.uk

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.

30/05/2026

This week on Mortgages Made Simple… we’re talking about Fixed Rates.

It’s one of the most common mortgage terms you’ll hear, but it’s not always fully understood.

A fixed rate means your interest rate stays the same for a set period of time, giving you certainty over your monthly payments.

For some people, that’s peace of mind. For others, flexibility may be more important.

This week, I’m breaking down what a fixed rate actually means and why the lowest rate isn’t always the most important thing to consider.

Your home may be at risk if you do not keep up repayments on a mortgage or loan secured against it.