PK Finance

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

Changing jobs can be exciting, but it may also affect a mortgage application. 💼🏡Some lenders may want to see employment...
16/06/2026

Changing jobs can be exciting, but it may also affect a mortgage application. 💼🏡

Some lenders may want to see employment contracts, pays lips, probation details or evidence of stable income.

It does not always mean you cannot get a mortgage, but it is something worth checking before making big decisions.

Starting a new job and thinking about a mortgage? Speak to us before you apply. 📧 [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

A gifted deposit can be a huge help when buying a home, but it is not always as simple as transferring money. 🎁🏡Lenders ...
13/06/2026

A gifted deposit can be a huge help when buying a home, but it is not always as simple as transferring money. 🎁🏡

Lenders may ask where the money has come from, whether it is a gift or loan, and may need a gifted deposit letter.

It’s worth understanding this early so there are no surprises later.

Using a gifted deposit? Let’s make sure you know what lenders may ask for. 📧 [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

Many people think protection only matters once they have a mortgage. 💙But if you rent, have children, rely on your inco...
10/06/2026

Many people think protection only matters once they have a mortgage. 💙

But if you rent, have children, rely on your income, or have financial commitments, protection may still be worth considering.

It’s about making sure you and your loved ones have support if life does not go to plan.

Unsure what protection you need? Get in touch and we can talk you through your 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 14/05/2026

One thing people do not always think about when applying for a mortgage is how maternity or paternity leave may affect a...
06/06/2026

One thing people do not always think about when applying for a mortgage is how maternity or paternity leave may affect affordability. 👶🏡

If your income is due to temporarily change, lenders may ask questions about your return-to-work plans, future income and childcare costs.

Planning ahead can make the process feel much less stressful.

Thinking about moving or remortgaging while growing your family? Message us and we can talk through your 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 14/05/2026

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

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1-3 Manor Lane
Crewe
CW48AB

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+441477668000

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