PK Finance

PK Finance Approved by The Openwork Partnership on 24/05/2024 ADV 12330

Buying your first home can feel exciting, overwhelming and confusing all at once. 🏡✨My advice? Don’t just focus on the d...
03/06/2026

Buying your first home can feel exciting, overwhelming and confusing all at once. 🏡✨

My advice? Don’t just focus on the deposit and property price.

Think about the full monthly budget, including bills, insurance, maintenance, and protection.

Getting mortgage advice early can help you understand what may be affordable before you start viewing homes.

Thinking about buying your first home? Message us to start your mortgage journey. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 14/05/2026

For first time buyers, an Agreement in Principle can help bring structure to the early stages of the process. 🏡🔍It can g...
31/05/2026

For first time buyers, an Agreement in Principle can help bring structure to the early stages of the process. 🏡🔍

It can give an indication of how much you may be able to borrow, subject to lender checks, and can also show estate agents that you are in a position to proceed.

It does not replace a full mortgage application, but it can be a useful way to start your search with more direction and fewer unknowns.

When people understand their position early, property searching often becomes far more focused. Contact us at PK Finance if you want to talk through whether an Agreement in Principle (AIP) could help you get started. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

For many first-time buyers, the biggest challenge is not always the deposit or the house hunt - it is knowing where to b...
27/05/2026

For many first-time buyers, the biggest challenge is not always the deposit or the house hunt - it is knowing where to begin. 🏡✨

Getting clear on your budget, understanding what lenders may look at and knowing the likely monthly costs can make the whole process feel far more manageable.

Once those foundations are in place, everything else tends to feel a little more real.

Buying your first home can feel like a big step, but it becomes much easier when you break it down properly. Message us if you would like help understanding your first steps as a first-time buyer! 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

For many households, May is the point where plans for a summer move start to feel more real. 🌼🏡Viewings pick up, budgets...
24/05/2026

For many households, May is the point where plans for a summer move start to feel more real. 🌼🏡

Viewings pick up, budgets get reviewed and conversations around mortgages become more urgent.

Starting early can help create more breathing room, especially when it comes to affordability, deposit planning and understanding how much can realistically be borrowed.
Getting prepared before the rush can make the whole process feel far more manageable. Reach out to PK Finance today if a summer move is on your mind and you want to get mortgage ready! 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

A lot of people assume protection has to be expensive to be worthwhile, but cover can often be shaped around budget as w...
20/05/2026

A lot of people assume protection has to be expensive to be worthwhile, but cover can often be shaped around budget as well as need. 🛡️❤️

The aim is not to overload a household with policies. It is to identify what would make the biggest difference financially if life changed unexpectedly, and then build from there.

Even a modest level of well-structured cover can create reassurance and support where it matters most. Message us if you would like to explore protection options that fit your budget. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

Interest-only mortgages can still have a place in the right circumstances, but they come with an important difference: t...
16/05/2026

Interest-only mortgages can still have a place in the right circumstances, but they come with an important difference: the monthly payments usually cover the interest, not the capital balance itself. 💷🔍

That means there needs to be a clear and acceptable repayment strategy in place for the end of the term. Lenders will also have their own criteria around income, loan size and how the mortgage will be repaid.

It is a more specialist area, which is why clear advice matters when looking at whether this route is suitable.

Get in touch if you want to understand more about interest - only mortgage options. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

Great news for first-time buyers 🏡PK Finance has access to lenders will be offering a new low deposit mortgage option, f...
14/05/2026

Great news for first-time buyers 🏡

PK Finance has access to lenders will be offering a new low deposit mortgage option, from Monday 18th May, helping eligible buyers get onto the property ladder with a personal deposit from just £5,000.

Key requirements include:

• First-time buyer focused
• Minimum personal deposit of £5,000
• Deposit must be from personal savings, not gifted
• Property purchase price up to £300,000
• Employed and self-employed applicants considered
• Subject to affordability, eligibility and lender criteria

This is just one solution that PK Finance have access to, we will review your circumstances and advise on the right solution for you.

Thinking about buying your first home? Speak to PK Finance today.

PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 14/05/2026

Buying a home after separation can feel more complex, especially when income, deposit position and existing commitments ...
12/05/2026

Buying a home after separation can feel more complex, especially when income, deposit position and existing commitments have changed. 🏡✨

This is often a time when clear mortgage advice becomes especially valuable. Affordability may need to be looked at differently, and planning ahead can help make the process feel more manageable and realistic.

A change in circumstances does not always close the door on buying. It often just means the route needs to be considered more carefully.

Get in touch if you want to talk through mortgage options after a change in personal circumstances. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

Protection is not something to arrange once and forget about. 👨‍👩‍👧📄A change in income, a new home, marriage, children o...
10/05/2026

Protection is not something to arrange once and forget about. 👨‍👩‍👧📄

A change in income, a new home, marriage, children or changing monthly commitments can all affect the level of cover that feels suitable.

A policy that fitted well a few years ago may no longer reflect where life is now. Reviewing cover regularly can help make sure it still lines up with your household needs and long-term plans.

Keeping protection up to date is just as important as putting it in place in the first place.

Get in touch if you would like to review your current protection cover. 📧 [email protected] | 📞 01477 668000



PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

For homeowners looking ahead, mortgage overpayments can be a simple way to reduce the balance more quickly and potential...
07/05/2026

For homeowners looking ahead, mortgage overpayments can be a simple way to reduce the balance more quickly and potentially cut the amount of interest paid over the term. 📉🏡

Even modest extra payments can have an impact over time, but it is important to check whether your lender has any overpayment limits or early repayment charges before making changes.

This can be a useful option for people wanting to become mortgage-free sooner or create a little more flexibility in the future.

Message us if you would like to review whether overpaying could work for your mortgage. 📧 [email protected] | 📞 01477 668000


PK Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/04/2026

Address

1-3 Manor Lane
Crewe
CW48AB

Telephone

+441477668000

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