Jennifer Mabey - Mortgage Adviser

Jennifer Mabey - Mortgage Adviser My names Jeni,

I am fully regulated to provide advice in the areas of mortgage, protection and insurances.

Im customer centric, strong communicator with a unwavering dedication to always finding the most appropriate solutions tailored to your needs.

What is the Autumn Budget? ..So the Autumn Budget, is when the government announces new changes to taxes and spending.Th...
09/11/2025

What is the Autumn Budget?
..

So the Autumn Budget, is when the government announces new changes to taxes and spending.

This can impact mortgage rates, house prices, stamp duty, and support for first time buyers and homeowners. 🏡

It could change how affordable buying or moving home will be in the coming months.

👉 Make sure you're following us to find out what the announcement on Wednesday 26th November, could mean for you.

📣 The Bank Rate has held again at 4%.Here’s what it means for you:🪜 First-Time Buyers – Steady rates and helpful governm...
06/11/2025

📣 The Bank Rate has held again at 4%.

Here’s what it means for you:

🪜 First-Time Buyers – Steady rates and helpful government schemes mean now could be a great time to get on the property ladder.

🔑 Remortgagers – If your mortgage is coming up for renewal, now is a great time to compare deals.

🏘️ Landlords – Your variable-rate mortgage payments remain stable.

👉 Whatever your situation, our advisers can help you plan your next step with confidence.

What a week!! - a couple I have been working with has just their offer accepted on their dream home - I helped 2 familie...
26/09/2025

What a week!!

- a couple I have been working with has just their offer accepted on their dream home
- I helped 2 families save money on their remortgages
- supported a client in releasing turns off their buy to let to buy another property to add to their growing portfolio
- referred a commercial client to a fellow colleague and it’s going well so far. We actually happened to be at the same conference today so we met face to face. Great to connect with the other advisers in different areas of the business
- helped a client put their life and health insurances in place so they feel at peace with being protected should the ‘what if’ scenario’s ever were to occur
- met with two lenders to expand my knowledge on their propositions to better place more complex cases
- attended our annual conference to get all the juice on what’s to come for my business and how that benefits my clients
- great call with my case manager to set up next week
- we’ve even seen a few rate drops from lenders

Hope you have all had a great and productive week.

Here’s to a great weekend ahead.

*below is a photo from today’s conference of the 25th anniversary car from Back to the Future. Was great to check it out and hear interesting details from the owner.

Inflation has held at 3.8%, but what does this mean for homebuyers? 📣We are still above the Government’s 2% target but t...
17/09/2025

Inflation has held at 3.8%, but what does this mean for homebuyers? 📣

We are still above the Government’s 2% target but the good news is the bumpy ride may be levelling out.

Rising costs can make saving feel impossible and our latest research shows that 56% of renters see saving for a deposit as the biggest hurdle to buying a home.

The good news is that the days of needing a huge deposit are behind us. With more flexible mortgage products now available, now could be the perfect time to explore your options. 🔑

If you are dreaming of buying your first home you might be closer than you think.

Even if you are not sure you are ready now let’s have a chat and find out together. 😊

Sometimes all we need is a little help from our family and friends... Family Backed Mortgages are becoming more and more...
16/09/2025

Sometimes all we need is a little help from our family and friends...

Family Backed Mortgages are becoming more and more available for the UK home buyer market.

In most cases the lender allows you to have friends and family, who 'join' onto your mortgage to enhance your mortgage opportunity. You may have heard it as a joint borrower, sole proprietor mortgage!

By adding on another member of your family or a friend would help extend your financial reach in terms of mortgage lending as the additional person/peoples financial credentials are also considered alongside yours for affordability.

An example of this would be, I'm a First Time Buyer, my salary does not quite fit what I need to achieve the mortgage I require to buy my new home. To bridge the gap in affordability I invite my mum onto the mortgage whom has little outgoings and a reliable salary/pension. We are both assessed for the purpose for the mortgage, using both incomes, meaning I (the first time buyer) now have access to more mortgage funding due to great affordability, allowing me to get my new home!! Yippee. Mum is on the mortgage but not the property deeds, so I can still benefit from my First Time Buyer Stamp Duty rights. Mum is understanding what this means for her and happy to help her daughter. :)

Family support for funding deposits has always been big in the UK, so it's great to see lenders considering the opportunity of family and loved ones being able to offer support when looking at mortgage amounts too!

Inflation rises to 3.8% - what does this mean for homebuyers?Despite this increase, the outlook remains steady as a wide...
27/08/2025

Inflation rises to 3.8% - what does this mean for homebuyers?

Despite this increase, the outlook remains steady as a wide range of mortgage options are now available. 🔑

Also our latest data revealed that 61% of renters cited high property prices as the main barrier to homeownership. We're here to debunk the idea that buying a home is out of reach. 👇

If you’re looking to get on the property ladder, now could be the right time to explore your options – you may be mortgage-ready sooner than you think.

11/08/2025

Feels just great to be dropping rates even further for clients.

Making savings each month but also in interest over the mortgage term for others is a rewarding feeling.

As Tesco says, every little helps and it really does!

Have a great week ahead everyone.

📣 The Bank of England has cut the bank rate to 4% - great news for first time buyers!Lower rates can mean more affordabl...
08/08/2025

📣 The Bank of England has cut the bank rate to 4% - great news for first time buyers!

Lower rates can mean more affordable mortgage options. Plus, lenders are also being more flexible than they were last year.

💡 With the right advice, owning your first home could be closer than you think. Now’s the time to explore what’s possible.

20/06/2025

The Bank of England has kept the bank rate steady at 4.25%.

💡 There are still plenty of positives here, especially if you think your financial situation might hold you back from getting a mortgage.

From 100% lending options to mortgages that increase your borrowing power, there are many ways to get on the property ladder.

👉 If you’re thinking about buying or remortgaging, now’s a great time to get in touch. Expert advisers like me can help you get mortgage ready.

Im available on 07557877961 or [email protected]

First Time Buyer Trends67% of borrowers purchasing a property over the last 12 months were first time buyers, according ...
15/06/2025

First Time Buyer Trends

67% of borrowers purchasing a property over the last 12 months were first time buyers, according to data from our MyMAB and Homebuying apps.

Key findings:

👉 The average first time buyer in the UK is 34, with a deposit of £24.5k

👉 Scotland had the highest first time buyer age (35), while Wales had the lowest (33)

👉 Prospective buyers in London aim to purchase in 18 months, compared to the 12-month average in the rest of the UK

👉 43% of first time buyers have to use additional income to support their homeownership aspirations

🔎 Find out what these insights mean for you - check your area's trends via the link below.

🔗 https://www.mortgageadvicebureau.com/media-and-press/research/nearly-70-of-mortgage-customers-in-2024-were-first-time-buyers/?utm_source=facebook&utm_medium=organicsocial&utm_campaign=tribe&utm_content=ftbtrends

Lets simplify the difference between traditional and modern property auctions in the UK in a post for you all...🏠Traditi...
12/06/2025

Lets simplify the difference between traditional and modern property auctions in the UK in a post for you all...

🏠Traditional Auctions
Imagine a fast-paced, "hammer falls, sold!" scenario.

You're committed immediately: When the auctioneer's hammer goes down, you're legally bound to buy the property.

Quick turnaround: You pay a deposit on the day and usually complete the purchase within a month.

Best for: Cash buyers, investors, or properties that might be a bit tricky to get a mortgage for (like fixer-uppers).

🏠Modern Auctions (Modern Method of Auction - MMA)
Think of it like an online auction with a bit more breathing room.

Not instantly committed: You pay a non-refundable "reservation fee" when you win, which gives you exclusive rights to buy, but you're not legally bound yet.

More time: You typically get about a month to exchange contracts and another month for completion (so about 56 days in total).

Best for: A wider range of buyers, including those who need a mortgage, as it allows more time for checks and financing. Often, the buyer pays the auction fees.

⭐As always its important to do your own research and seek advice from a professional to review whether purchasing a property via auction would be right for you.

It's estimated that 1.8 million fixed-rate mortgages are set to mature in the UK in 2025.The rate terms you have that ar...
08/06/2025

It's estimated that 1.8 million fixed-rate mortgages are set to mature in the UK in 2025.

The rate terms you have that are coming to an end compared to the current market rate offering will determine whether you will be needing to forecast in higher monthly payments or be able to make some savings!!

Even though we have seen the Bank of England base rate reduce, we have seen over the past few weeks fixed rates increase due to a number of economic factors.

This is why it's important to start mapping out your remortgage journey, 4-6 months in advance.

Address

Coventry

Opening Hours

9am - 5pm

Telephone

+447557877961

Website

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