Rachel Ramsay - Mortgage Specialist

01/09/2026

This week on Mortgages Made Simple, we’re talking about Qualifying for a Mortgage. 🏡

There isn’t one single thing that decides whether you’ll qualify.

Lenders will usually look at your income, outgoings, existing commitments, credit history and deposit, alongside their own lending criteria.

And because every lender assesses applications differently, not fitting one lender’s criteria doesn’t automatically mean you have no options.

If you’re unsure where you stand, it’s always worth having the conversation before ruling yourself out.

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

30/08/2026

30/08/2026

I was declined for car finance recently.

Not because I couldn’t afford the car and not because there was anything “wrong” with my finances.

The dealership I went to was using one particular lender… and I simply didn’t fit that lender’s criteria.

I went somewhere else, they had access to a wider range of lenders, and I was approved.

And it instantly made me think about mortgages.

Being declined by one lender doesn’t automatically mean you can’t get a mortgage.

Different lenders have different criteria, different appetites and different ways of assessing an application.

That’s part of the value of using a mortgage broker. I can look at your circumstances and consider a range of lenders rather than assuming one “no” means the answer is no everywhere.

So if you’ve been declined before, please don’t automatically rule yourself out.

Sometimes it isn’t about whether you can get a mortgage.

It’s about finding the lender that fits you.

If you want to talk through your circumstances, send me a message. No judgement, no pressure — just a conversation about what your options could look like.

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

24/08/2026

This week on Mortgages Made Simple, we’re talking about Porting a Mortgage. 🏡

If you’re moving home, you may be able to take your existing mortgage deal with you, this is known as porting.

It isn’t always as simple as transferring your mortgage from one property to another, though. You’ll usually still need to meet your lender’s criteria and go through affordability checks for the new property.

And if you need to borrow more, that additional borrowing may be on a different product or interest rate.

Porting can be a great option for some people, but it isn’t automatically the best choice for everyone.

Thinking about moving home and wondering what happens to your current mortgage? Send me a message and we can talk through your options.

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

19/08/2026

Mortgages don’t have to feel scary… 😱🏡

There might be a lot of numbers, jargon and decisions involved, but you don’t have to figure it all out on your own.

I’m here to make the process feel simpler, clearer and a whole lot less overwhelming.

Mortgages don’t have to feel scary when I’m by your side. 💜

14/08/2026

☎️ 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.

13/08/2026

This week on Mortgages Made Simple, we’re talking about Overpayments. 🏡

An overpayment is simply when you pay more towards your mortgage than your usual monthly payment.

That could be through a one-off lump sum or by regularly paying a little extra each month.

Overpaying can help reduce the amount of interest you pay overall and may help you clear your mortgage sooner, but it’s important to check your mortgage terms first, as some lenders limit how much you can overpay without charges.

Not sure what your overpayment allowance is or whether overpaying could be right for you? Send me a message and I’ll help you understand your options clearly.

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