Joanne Maclachlan- Mortgage & Protection Adviser

Joanne Maclachlan- Mortgage & Protection Adviser 🏡 No jargon. No judgement.

Just honest mortgage & protection advice to secure your family’s future 🔑
📍 Lancashire | Whole of UK
💻 Self employed advisor working under the Cornerstone Network.

5 things first time buyers get wrong — and it's costing them years.1) "My bank will give me the best deal." They won't. ...
15/06/2026

5 things first time buyers get wrong — and it's costing them years.

1) "My bank will give me the best deal."
They won't. Your bank only offers their own products. A whole of market adviser searches across hundreds of lenders to find what actually suits you.

2) "Bad credit means no mortgage."
Not true. Specialist lenders exist for exactly this situation. I've helped clients who thought the door was completely closed.

3) "I need to find a property first."
The opposite is better. Get your Decision in Principle sorted first. You'll know your budget and you'll be in a stronger position when you find the right place.

4) "I can only borrow 4 or 5 times my income."
This changed in 2025. Several major lenders now offer up to 5.5 or even 6 times salary for first time buyers.

5) "I'll wait until rates drop."
While you wait, you're paying rent. Rates can be switched if they improve. Time in the market matters more than timing the market.

If any of these had you thinking "I thought that was true" — you're not alone.

Drop a comment with the number that surprised you most.

[email protected]
07368 604283

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

Only 35% of UK mortgage holders have life insurance linked to their mortgage.That means 65% of homes are unprotected.If ...
12/06/2026

Only 35% of UK mortgage holders have life insurance linked to their mortgage.

That means 65% of homes are unprotected.

If something happened to you tomorrow — could your family keep the house?

This is what I help with.

Life insurance that clears your mortgage. Critical illness cover for a serious diagnosis. Income protection if you're too ill to work.

It's not about being morbid.

It's about making sure the home you worked so hard for doesn't disappear when life gets hard.

One conversation. Whole picture.

11/06/2026

“I’ll sort the protection later.”

Later is the one word I hear most.

And I understand it. You’ve just been through a mortgage. You’re exhausted.

But here’s why later matters.

Every year you wait, premiums go up. The older you are, the more it costs.

And a health condition picked up between now and then? That could affect what cover you can get — or how much you pay for it.

The best time to get protection in place is when you’re young and healthy.

That’s now.

77% of UK adults have no income protection in place.That means if they couldn't work tomorrow — the bills would still co...
10/06/2026

77% of UK adults have no income protection in place.

That means if they couldn't work tomorrow — the bills would still come in.

The mortgage. The childcare. The food shop.

Most people assume they'd manage. Or that it won't happen to them.

But 1 in 4 people will be unable to work at some point due to illness or injury.

That's not a small risk.

That's a real one.

Income protection replaces your salary if you can't work. It keeps your home safe while you recover.

It costs less than most people think. And it matters more than most people realise.

Drop a 💛 if this is something you've never thought about.

“Extremely happy with Joanne."Short. Simple. And it means the world.Because behind every review like this is someone who...
09/06/2026

“Extremely happy with Joanne."

Short. Simple. And it means the world.

Because behind every review like this is someone who came to me unsure, overwhelmed, or told no somewhere else.

And left with a plan. Or a mortgage. Or both.

This is why I do what I do.

Not the paperwork. Not the process.

The moment someone feels like it's actually going to be okay.

Want to feel that too? Message me INFO 👇

Photo by the lovely taken at

07/06/2026

If you’ve ever struggled to know where to start with a mortgage — this will help.

There are over 20,000 mortgage deals available in the UK right now.

Your bank has access to a fraction of them.

A whole-of-market adviser has access to a huge range of lenders and products.

Knowledge of those lenders and products is the difference between a no and a yes.

That’s what I’m here for.

This is your starting point- get in touch or comment INFO to get the ball rolling.

[email protected]
07368 604283

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

05/06/2026

💷 REFER A FRIEND & EARN 💷

⭐ Existing clients: Get £50 in vouchers for every successful recommendation
⭐ New introducers: Get £30 in vouchers for every successful recommendation

Know someone needing mortgage or protection advice? Send them my way!

📩 Get in touch to refer someone today.

[email protected]
07368604283

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

THERES NO LIMIT TO HOW MANY PEOPLE YOU
CAN REFER. TO REFER PLEASE SEND ME AN EMAIL
([email protected] KJ CC’ING IN THE PERSON BEING REFERRED OR MAKE SURETHE PERSON BEING REFERRED MENTIONS YOUR NAME WHEN SPEAKING TO ME.

VOUCHERS WILL BE ISSUED BETWEEN 30-60
DAYS AFTER A MORTGAGE OR PROTECTION
APPLICATION COMPLETES.

CHOOSE FROM AMAZON OR LOVESHOP
VOUCHERS.

04/06/2026

“I don’t have a 10% deposit saved yet.”

I hear this a lot.

Here’s what most people don’t know.

95% mortgages exist. Some lenders will go to 100%.

Gifted deposits from family count. Gifted equity from a landlord counts.

Help to Buy and shared ownership are still options.

You might be closer to buying that dream house than you think.

And if you’re not quite there yet — I’ll tell you exactly what you need to do to get there.

Message me INFO and let’s look at your actual numbers 👇

[email protected]
07368 604283

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

You got the mortgage.But nobody told you what happens if you can't pay it.Redundancy. Serious illness. An accident that ...
03/06/2026

You got the mortgage.

But nobody told you what happens if you can't pay it.

Redundancy. Serious illness. An accident that keeps you off work for months.

Your mortgage doesn't know. It still goes out every month.

This is why protection matters.

Not to scare you. To make sure the home you worked so hard for stays yours — no matter what life throws at it.

A conversation about cover takes 20 minutes.

Peace of mind lasts a lifetime.

Drop a 🏠 if you've never reviewed your protection.

Photo by the lovely taken at .

Address

Chorley

Telephone

+447368604283

Website

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