Alison Hughes Financial Solutions

02/06/2026

One of the biggest mortgage myths? 🤔🏡

"I need to find a house before I speak to a mortgage advisor."

In reality, it's usually the other way around 👇

Speaking to a mortgage advisor first can help you:

💰 Understand how much you could borrow
📊 Identify any issues before they become problems
🏡 Set a realistic property budget
✅ Get an Agreement in Principle ready

There's nothing worse than falling in love with a house, only to discover it's outside your budget or that there are issues with your application.

A quick conversation now could save you a lot of time, stress, and disappointment later 🙌

If you're thinking about buying in the next 6-12 months, now is the perfect time to start planning.

Reach out today for a free, no-obligation chat:
☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

29/05/2026

Are you thinking, “I’ll sort insurance out someday”? 🤔

The problem is, “someday” often turns into when something has already happened - and by then, it may be too late.

Life Insurance, Critical Illness Cover and Income Protection are there to help protect you and your family if life doesn’t go to plan.

It’s not about expecting the worst.

It’s about making sure there’s a plan in place if the worst does happen.

The right cover could help with things like:

✅ Keeping the mortgage paid
✅ Replacing lost income
✅ Supporting your family financially
✅ Helping cover everyday bills
✅ Giving you peace of mind

Nobody likes thinking about the “what ifs”, but having the right protection in place can make a huge difference at a time when your family may need it most.

If you’d like to review your insurance or you’re not sure what cover you need, get in touch for a free, no-obligation chat 😊

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

28/05/2026

Are you saving for your first home? 🏡

A Lifetime ISA could be worth looking into if you’re hoping to get onto the property ladder.

You can save up to £4,000 each tax year, and the government adds a 25% bonus, which could mean up to £1,000 extra per year towards your first home.

But there are a few important rules to be aware of:

✅ You need to be aged 18-39 to open one
✅ It must be open for at least 12 months before using it to buy a home
✅ The property must be £450,000 or less
✅ If you withdraw the money for anything other than your first home or later life, you could face a 25% withdrawal charge

If you’re thinking about buying your first home and aren’t sure where to start, I’d be happy to have a chat and talk you through your options 😊

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

25/05/2026

Client feedback like this means so much ❤️

Choosing the right protection cover can feel overwhelming, especially when there are so many different options and so much small print to understand.

That’s why I always take the time to explain what each type of cover does, what is included, what isn’t covered, and how the recommendation fits around your own circumstances, income, lifestyle and future plans.

Protection isn’t about ticking a box.

It’s about making sure you and your family have the right support in place if life takes an unexpected turn.

A lovely review from a client who felt informed, comfortable and confident with the advice they received, which is exactly how the process should feel 😊

If you’re unsure what cover you have, what you might need, or whether your current protection still suits your circumstances, get in touch for a free, no-obligation chat:

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

23/05/2026

Fixed rate or tracker mortgage… which one is right for you? 🤔🏡

This is something a lot of people are asking at the minute, especially with mortgage rates changing and so many different options available.

A fixed rate mortgage means your payments stay the same for a set period of time, which can be helpful if you like knowing exactly what is coming out each month.

A tracker mortgage works slightly differently, as the rate can move up or down depending on the rate it follows. This means your monthly payments could change too.

There isn’t one option that is right for everyone.

It depends on your income, your monthly budget, your plans for the next few years and how comfortable you would be if your payments changed.

That’s why it’s always worth getting advice before making a decision.

I can look at your circumstances, explain the different options in plain English and help you understand what may be suitable for you.

If you’re unsure what to do next, let’s have a chat 😊

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

21/05/2026

Income Protection vs Critical Illness - what’s the difference? 🤔

They’re both really important, but they work in different ways.

Income Protection pays you a monthly income if you’re unable to work due to illness or injury.

That could be anything from a bad back, stress, depression or a car accident, right through to cancer, heart attack or stroke.

It’s designed to replace part of your income while you’re off work, and it can pay out more than once during the life of the policy, right up to retirement age if needed.

Critical Illness Cover is different. It usually pays out a lump sum if you’re diagnosed with a condition covered by the policy and meet the insurer’s definition.

That money could help with things like:
✅ Clearing or reducing the mortgage
✅ Replacing lost income
✅ Paying for private treatment
✅ Adapting your home if needed

Once a Critical Illness policy pays out, it will usually end.

So the simple difference is:

Income Protection = monthly income while you’re off work
Critical Illness = lump sum payout if you meet the policy definition

If you’re unsure which one is right for you, reach out and we’ll happily have a no-obligation chat.

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

19/05/2026

What’s your Plan B? 🤔

A lot of people tell me they have life cover in place to protect the mortgage, and that’s great.

But the reality is, most people don’t die during their mortgage term. More often, they’re off work due to illness, injury, or a critical illness diagnosis.

And if that happened, how would the bills get paid?

That’s why Income Protection is so important. It’s the policy you’re most likely to actually claim on during your working life, and it can help protect your income when you need it most.

If you’d like to see what protecting your income could cost, reach out and I’ll happily put some figures together for you 😊

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

18/05/2026

It’s here! The £5000 deposit option 🥰

Could £5,000 be enough to get you onto the property ladder? 🏡

Halifax are launching a new low deposit mortgage product from Monday 18th May, designed to help first-time buyers who have saved a personal deposit of at least £5,000.

For many buyers, saving the deposit is one of the biggest barriers to getting onto the property ladder, so this could make a real difference for the right person.

A few key details:

✅ Minimum personal deposit of £5,000
✅ Deposit must come from your own savings and cannot be gifted
✅ Proof of deposit may be required
✅ Maximum purchase price of £300,000, subject to affordability
✅ Available to employed and self-employed applicants
✅ No minimum income level
✅ On joint applications, only one applicant needs to be a first-time buyer
✅ 5-year fixed rate product
✅ £0 product fee
✅ Free Level 1 mortgage valuation included

As with any mortgage, it will depend on your own circumstances, affordability and lender criteria. But if saving a larger deposit has been the thing holding you back, it could be worth having a chat to see what your options are 😊

Reach out today for a free, no-obligation chat:

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

16/05/2026

Could £5,000 be enough to get you onto the property ladder? 🏡

Halifax are launching a new low deposit mortgage product from Monday 18th May, designed to help first-time buyers who have saved a personal deposit of at least £5,000.

For many buyers, saving the deposit is one of the biggest barriers to getting onto the property ladder, so this could make a real difference for the right person.

A few key details:

✅ Minimum personal deposit of £5,000
✅ Deposit must come from your own savings and cannot be gifted
✅ Proof of deposit may be required
✅ Maximum purchase price of £300,000, subject to affordability
✅ Available to employed and self-employed applicants
✅ No minimum income level
✅ On joint applications, only one applicant needs to be a first-time buyer
✅ 5-year fixed rate product
✅ £0 product fee
✅ Free Level 1 mortgage valuation included

As with any mortgage, it will depend on your own circumstances, affordability and lender criteria. But if saving a larger deposit has been the thing holding you back, it could be worth having a chat to see what your options are 😊

Reach out today for a free, no-obligation chat:

☎️ 07712877587
📧 [email protected]
🌐 www.alisonhughes.co.uk

Check out our website in our bio 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

15/05/2026

We look at how your job affects home insurance costs and show honest ways to cut your premium.