Lakewood Mortgage Solutions

Lakewood Mortgage Solutions Whole of Market Mortgage Specialists

CeMap Qualified, Whole-of-Market Mortgage Broker Based Just Outside Tunbridge Wells

Residential, Buy to let - Purchase/Remortgage Including Help to Buy and Shared Ownership

Commercial & Bridging Finance by Referral Only

Available Face-to-Face Throughout the South East, or Over the Phone/Video Call for Further Afield

Call/Email Now For a Free Initial Consultation

Note fees may be payable at a later stage

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

You don’t just turn up on match day and hope for the best ⚽You need:✔️ A solid game plan✔️ The right team behind you✔️ P...
11/06/2026

You don’t just turn up on match day and hope for the best ⚽

You need:

✔️ A solid game plan
✔️ The right team behind you
✔️ Preparation before the big moment
✔️ Someone guiding you through extra time when things get stressful 😅

And just like football… every case is different. First-time buyers, remortgages, buy-to-let, self-employed — everyone’s playing a different match.

The good news? You don’t have to tackle it alone.

If you’re thinking about making a move this year, now’s a great time to start planning your winning strategy 🏡

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.

Most people insure their home, their car, even their phone… but what about the thing that pays for it all — your income?...
08/06/2026

Most people insure their home, their car, even their phone… but what about the thing that pays for it all — your income? 💷

Income Protection is a policy that pays you a regular monthly income if you’re unable to work due to illness or injury. Instead of relying on savings or sick pay, it helps you keep up with your essential bills — like your mortgage, utilities and everyday living costs.

Here’s how it works 👇

📅 You choose how long you wait before payments start (deferred period)
💷 It then pays a percentage of your income each month
⏳ It can continue until you return to work or the policy ends

It’s not just for high-risk jobs either — many claims are for common illnesses or injuries that stop you working longer than expected.

If you’ve got a mortgage, family, or monthly commitments to cover, it’s worth considering how you’d manage if your income stopped.

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

As with all insurance policies, conditions and exclusions will apply.

A really lovely review, it’s great to hear such positive feedback.www.lakewoodmortgages.co.ukalisha@lakewoodmortgages.co...
05/06/2026

A really lovely review, it’s great to hear such positive feedback.

www.lakewoodmortgages.co.uk
[email protected]
01892 582890

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

You may have to pay and early repayment charge to your existing lender if you remortgage.

Underinsurance is an increasingly common problem. Recent data shows that in 2025, 70% of UK properties were insured for ...
03/06/2026

Underinsurance is an increasingly common problem. Recent data shows that in 2025, 70% of UK properties were insured for less than their true rebuild cost. In fact, the average home is only covered for 66% of the amount required to completely rebuild it. This means that, in the event of a major claim, many policyholders could face reduced payouts, leaving them to cover a significant shortfall themselves.

The ‘average clause’ explained
A rise in extreme weather has highlighted the risks of leaving your property underinsured. Homeowners have made claims for fires, flooding and escape of water, only to discover that their cover was insufficient. In these circumstances, an insurer can apply the ‘average clause’ - this reduces the claim settlement in proportion to the level of the policyholder’s underinsurance. For example, if a property is covered for 66% of its true rebuild cost, the insurer might only cover 66% of the claim.

One of the main causes of underinsurance is a lack of understanding about how to calculate rebuild costs. Many mistakenly insure homes based on the property’s market value, however, the rebuild cost is the price of reconstructing the whole property from scratch which could be significantly more as it includes materials, labour, debris removal etc.

Outdated valuations are another cause. Building and labour costs have risen in recent years, so rebuild costs are estimated to be 35% to 40% higher than in 2020.

Check your rebuild cost and ensure your policy reflects any home improvements to help ensure you have the right level of cover. If you’re unsure whether your insurance is still adequate, now is the time to seek professional advice. Get in touch to make sure you’re fully protected and avoid an unwelcome surprise if you ever need to make a claim.

Sources:
https://www.covermagazine.co.uk/news/4524648/protection-ranks-lowest-importance-homebuyers

https://www.insurancebusinessmag.com/uk/news/property-insurance/report-majority-of-uk-properties-were-underinsured-in-2025-560941.aspx

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

As with all insurance policies, conditions and exclusions will apply.

Buy-to-Let mortgages work a little differently to standard residential ones — and it’s important to understand how befor...
01/06/2026

Buy-to-Let mortgages work a little differently to standard residential ones — and it’s important to understand how before you dive in.

Here’s the basics 👇

🔑 The mortgage is based largely on the rental income the property could achieve
💷 You’ll usually need a bigger deposit (often 20–25%+)
📊 Lenders will stress test the rent to make sure it comfortably covers the mortgage payments

A few other things to keep in mind:

📋 Most Buy-to-Let mortgages aren’t regulated in the same way as residential ones
📈 Interest rates and fees can be different
🏠 Your personal income can still play a part depending on the lender

Whether you’re a first-time landlord or looking to grow a portfolio, getting the right advice early can save you time (and money).

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

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

Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.

You might have heard the term AIP (Agreement in Principle) when starting your property search — but what actually is it?...
29/05/2026

You might have heard the term AIP (Agreement in Principle) when starting your property search — but what actually is it?

An AIP is a statement from a lender saying how much they might be willing to lend you, based on some basic information about your income, outgoings and credit history.

It’s not a full mortgage offer — but it’s a really important first step.

Here’s why 👇

✅ It gives you a clear idea of your budget
✅ It shows estate agents and sellers you’re a serious buyer
✅ It can speed things up once you find the right property

Most AIPs can be arranged quickly and won’t commit you to a lender, but they can make a big difference when you’re ready to make an offer.

If you’re thinking about buying and not sure where to start, feel free to drop me a message — happy to guide you through it.

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

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

The average age of the population is getting older, which will likely change the type of protection people need in futur...
27/05/2026

The average age of the population is getting older, which will likely change the type of protection people need in future.

A report found that by 2050, 27% of people living in advanced economies will be over 65. As longevity increases, the demands placed on insurers - and on individuals - will evolve.

Traditionally, protection products have focused on providing financial safety nets in the event of illness or death, often through income replacement. Longer lifespans mean cover may need to last longer and respond to more complex circumstances. People are working later, building assets over extended careers and supporting family members across multiple generations.

There is also a growing need to consider later-life health risks and the potential cost of care. Protection is no longer just about replacing income for a limited period - it’s about safeguarding financial stability over decades.

Regularly reviewing policies helps ensure cover remains appropriate as responsibilities, health and lifestyles change. As we live longer, protection must adapt - providing resilience, certainty and peace of mind for a longer, more unpredictable journey.

Sources:
https://www.ftadviser.com/content/8284146a-0a97-4de6-8e8e-52eb26fe51df

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

As with all insurance policies, conditions and exclusions will apply.

Whilst the kids are off school, it might be the perfect time to give your mortgage some attention 🏡Between days out, sof...
22/05/2026

Whilst the kids are off school, it might be the perfect time to give your mortgage some attention 🏡

Between days out, soft play visits and keeping everyone entertained, it’s easy to forget about your finances — but a quick mortgage review could make a real difference.

🔍 Fixed rate ending soon?
💷 Wondering if you’re still on a competitive deal?
📈 Changes in income or plans for the future?

If your mortgage hasn’t been reviewed in a while, feel free to drop me a message. Always happy to help with a no-obligation chat.

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

A survey has revealed that homeowners are more likely to plan a new kitchen than seek out protection.Research found that...
20/05/2026

A survey has revealed that homeowners are more likely to plan a new kitchen than seek out protection.

Research found that respondents were more likely to spend money on new furniture (36%), redecorating (26%) or installing a new bathroom or kitchen (25%) than on taking out protection insurance, with only 15% saying it was a priority.

However, many mortgage holders expressed concern about their financial security, with 62% saying they are worried they could lose their home if they became too ill to work. More than half (56%) admitted they would struggle to keep up with mortgage repayments after six months without an income.

Source: https://www.covermagazine.co.uk/news/4524648/protection-ranks-lowest-importance-homebuyers

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

As with all insurance policies, conditions and exclusions will apply.

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

A survey has found that many homeowners don’t review their protection cover when remortgaging. Only 18.6% of respondents...
18/05/2026

A survey has found that many homeowners don’t review their protection cover when remortgaging.

Only 18.6% of respondents said they properly reviewed their protection when they remortgaged, while 64% did a cursory check and 17% did not review their cover at all. This suggests that many UK homeowners may have policies that no longer meet their needs due to changes in income, lifestyle and family circumstances. As a result, some households could find themselves in a vulnerable financial position if they were affected by death or illness.

Take a moment to review your cover now – it could be a vital safety net in the future.

Source:
https://www.vitality.co.uk/media/speculation-of-spring-rate-cuts-drives-expected-remortgage-surge/

www.lakewoodmortgages.co.uk
[email protected]
01892 582 890

As with all insurance policies, conditions and exclusions will apply.

You may have to pay and early repayment charge to your existing lender if you remortgage

Address

93 Bridger Way
Crowborough
TN62XD

Telephone

+441892582890

Website

Alerts

Be the first to know and let us send you an email when Lakewood Mortgage Solutions posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Lakewood Mortgage Solutions:

Shortcuts

Share

Category