The Mortgage Centre

The Mortgage Centre Friendly, honest, advice, always. We are experienced mortgage advisers that specialise in providin

We are experienced mortgage advisers that specialise in providing quality mortgage and advice that you can trust. We enjoy meeting and getting to know our clients, understanding exactly how we can help them. Whether you are a first-time buyer, home mover, want to make changes by Remortgaging, or need to find out more about Buy To Let, we know we can help. We explain in simple terms how the differe

nt types of mortgages work, we’ll show you the latest rates, explain all the options available, and handle the entire application process on your behalf. From Protection Policies to Life Insurance, to mortgage help for the UK’s great NHS workforce, we are here to help you throughout the life of your mortgage.

30/08/2026

We promise we're not being nosy... 😅

Every question we ask helps us build a complete picture of your circumstances so we can recommend a mortgage that's suitable for you.

Income, spending, future plans, credit history... it all matters.

It might feel like a lot of questions now, but it could save you time, avoid unnecessary applications and help us find the right lender first time.

So yes... we really do need to know all of it! 😂

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

Offer accepted? 🎉 You're not at the finish line just yet. 🏡Having your offer accepted is a huge milestone, but there's s...
26/08/2026

Offer accepted? 🎉 You're not at the finish line just yet. 🏡

Having your offer accepted is a huge milestone, but there's still a process to go before you get the keys.

Here's what usually happens next:
📄 Your full mortgage application is submitted.
🏠 The lender carries out a valuation.
⚖️ Solicitors begin the legal work, including searches and enquiries.
✅ If all goes well, your mortgage offer is issued.
🔑 Finally, you exchange contracts and complete.

For many buyers, the legal work takes the longest, so don't worry if things feel a little quiet at times.

Understanding what's happening behind the scenes can make the whole process feel a lot less stressful.

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

Buying your first home? Don't let these myths hold you back. 🏡There's a lot of misinformation online, and it stops many ...
23/08/2026

Buying your first home? Don't let these myths hold you back. 🏡

There's a lot of misinformation online, and it stops many first time buyers from even exploring their options.

The truth is...
✅ You don't always need a 20% deposit.
✅ Lenders don't base decisions on your credit score alone.
✅ Borrowing isn't determined by salary alone.
✅ Waiting for rates to fall isn't always the best strategy.
✅ Buying a home doesn't have to take years.
Many people assume they'll be declined before they've even spoken to a mortgage adviser.

More often than not, they're much closer to buying than they realised.

If you're wondering whether you're in a position to buy, having a conversation could give you the answers you've been looking for.

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

How much can you borrow? It's probably not as straightforward as you think. 💷🏡Many people assume their borrowing is base...
19/08/2026

How much can you borrow? It's probably not as straightforward as you think. 💷🏡

Many people assume their borrowing is based on salary alone, but lenders look at a much bigger picture.

They'll consider things like:
💼 How you're paid (employed, self-employed, commission or bonuses)
📈 Whether overtime and bonus income can be included
💳 Existing commitments such as loans, credit cards and car finance
👨‍👩‍👧 Your monthly outgoings and dependants
🏦 Their own affordability calculations
That's why two people earning the same salary can receive very different mortgage offers.
Understanding your borrowing power before you start house hunting can save time, set realistic expectations and help you find the right property with confidence.

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

16/08/2026

Referrals mean more than you probably realise. 🙌
Every recommendation tells us we've done our job properly, and we never take that for granted.
Thank you to every client who trusts us enough to tell their friends and family about us. ❤️

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

A good mortgage adviser does much more than find you a rate. 🏡The best advice starts with understanding you.Your income....
11/08/2026

A good mortgage adviser does much more than find you a rate. 🏡

The best advice starts with understanding you.

Your income. Your goals. Your plans. Your concerns.

From there, it's about finding a lender and mortgage that genuinely fits your circumstances—not just the one with the lowest headline rate.

A good adviser will:
🔍 Research the right lenders for your situation
📑 Structure your mortgage around your needs
📞 Manage the application from start to finish
📅 Help you prepare for future reviews and changes
The cheapest rate isn't always the right mortgage, and the right mortgage isn't always with the first lender you look at.
Good advice is about finding a solution that works today and continues to work for you in the years ahead.

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

Think you’ll never get on the property ladder? 🏡The headlines might make home ownership feel impossible, but they rarely...
23/07/2026

Think you’ll never get on the property ladder? 🏡

The headlines might make home ownership feel impossible, but they rarely tell you about every option available.
Depending on your circumstances, you may not need the 20% deposit you expected. Some buyers could purchase with a 5% deposit, while certain products may offer even lower or no-deposit options.
There may also be:
🔑 Family-assisted mortgages
💷 Higher income multiples with some lenders
📊 Lenders that look beyond your credit score
🏠 Alternative routes to home ownership
Imperfect credit doesn’t always mean an automatic decline, either.
The answer won’t always be yes, but don’t assume it’s no before you’ve explored your options.

Home ownership starts with understanding what might actually be possible.

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

21/07/2026

POV: You’ve just bought your first home and order that first takeaway like… 🏡
No plates.
No cutlery.
Surrounded by boxes.
Bank account hanging on by a thread.
But the keys are yours and somehow that takeaway tastes better than anything you’ve ever eaten. 😂

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

Should you remortgage now or wait? 🤔If your current mortgage deal is coming to an end, you may not need to wait before e...
16/07/2026

Should you remortgage now or wait? 🤔

If your current mortgage deal is coming to an end, you may not need to wait before exploring your options.
Depending on the lender, you could secure a new rate up to six months in advance. This can give you some certainty if rates rise while your current deal is ending.
But securing a deal doesn’t necessarily mean forgetting about it.
We’ll continue monitoring the available options and, where possible, look to secure a lower rate if one becomes available before completion.
So you can plan ahead, without necessarily missing out if the market improves.

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

The biggest protection mistakes families make often don’t feel like mistakes at the time.Putting it off until “later.”On...
13/07/2026

The biggest protection mistakes families make often don’t feel like mistakes at the time.

Putting it off until “later.”
Only protecting the mortgage.
Relying entirely on work benefits.
Choosing the cheapest policy.
Taking out cover and never reviewing it.
Assuming illness or injury won’t happen to you.
Life can change quickly and protection arranged years ago may no longer reflect your income, mortgage or family circumstances.
The right cover isn’t necessarily the cheapest. It’s the cover designed around what your family would actually need if the unexpected happened.

When did you last review yours?

Address

4b Kenn Road
Clevedon
BS216EL

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441275877997

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