Lakewood Mortgage Solutions

Home
United Kingdom
Crowborough
Lakewood Mortgage Solutions

Call Directions Website Contact the business

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

05/11/2026

Bonfire Night is all about planning ahead — getting the fire ready, the sparklers stocked and finding the best spot for the fireworks.

Your mortgage deserves a bit of forward planning too!

Whether you’re:
🏠 Thinking about buying your first home
🔑 Looking to move house
💷 Coming to the end of your current fixed rate
📉 Wondering if it’s time to review your mortgage
🏡 Considering a Buy to Let

Getting advice early can give you more time to understand your options and prepare for what’s ahead.

So while you’re remembering, remembering… don’t forget your mortgage!

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 an early repayment charge to your existing lender if you remortgage.

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

03/11/2026

Research has found that many parents do not have appropriate protection in place, potentially leaving their families vulnerable to financial shocks.

The survey indicates that many would struggle to maintain their current standard of living if they unable to work due to illness or injury. A third said they could cover essential expenses for less than three months if their income stopped. Meanwhile, if they out of work for a year, the biggest concern for parents would be paying their household bills and keeping up with mortgage or rent payments. Almost half were worried about being able to afford food and other necessities.

Four in ten parents expressed concern about providing for their family if their income stopped. This anxiety could be alleviated by taking out protection, which provides peace of mind that you will be covered through life’s unexpected moments.

It may be tempting to rely on savings instead, but have you worked out how long these funds would realistically last? Nearly a third of respondents said they have less than £3,000 to fall back on if their income stopped. For most families, this would not be a sufficient financial buffer, so an additional layer of support would be necessary.

According to the survey, 13% of parents said that they would like to get protection, but they haven’t got round to it yet. Meanwhile, 31% are concerned that they can’t afford protection. A professional adviser can support you through the process and source a policy that works for your financial situation.

We understand that when you’re a parent, there are lots of tasks on your to-do list, but protection is not something that should be overlooked. Making time to sort this now could significantly alleviate stress in the future, should you be unable to work.

Sources:
https://protectionreporter.co.uk/one-in-three-parents-lack-protection-for-income-shock.html
https://www.vitality.co.uk/media/new-research-suggests-income-shock-could-push-one-in-three-parents-into-hardship-within-three-months/

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

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

30/10/2026

Halloween is all about things that go bump in the night… but there are some unexpected surprises that are much more important to prepare for.

🏠 What would happen to your mortgage if you became seriously ill?
💷 How would you manage if you were unable to work for a period of time?
❤️ And would your family be financially protected if the worst were to happen?

Protection insurance can help provide a financial safety net when life doesn’t go according to plan.

It might not be the most exciting thing to think about this Halloween, but having the right protection in place could give you one less thing to worry about.

Don’t let the unexpected become a real-life horror story.

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

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

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

28/10/2026

It’s a question I hear more often than you might think!

There isn’t one universal maximum age for getting a mortgage in the UK. Different lenders have different criteria, and some may allow mortgages to run well into your 70s or beyond.

What matters is your individual circumstances, including things such as:

👤 Your age and intended retirement age
💷 Your income and how it is expected to change
📅 The mortgage term you need
🏠 The amount you’re looking to borrow
💳 Your existing financial commitments
📊 The lender’s own affordability and lending criteria

So if you’ve been told, “You’re too old for a mortgage,” don’t necessarily assume that’s the end of the road.

Every lender is different, and getting the right advice can help you understand what options may be available to you.

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

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

26/10/2026

You may have heard of life insurance, but what’s the difference between that and Whole of Life Insurance?

Put simply, Whole of Life Insurance is designed to provide a lump sum when you die, whenever that happens, provided the policy remains in force and the premiums are maintained.

Unlike a typical term life insurance policy, which covers you for a set period, Whole of Life cover is intended to last for your entire lifetime.

It can be considered for a number of reasons, including:

• Helping your family financially after your death
• Helping to cover an outstanding mortgage or other debts
• Providing funds to help with inheritance tax planning
• Leaving something behind for your loved ones
• Supporting specific financial planning arrangements

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

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

23/10/2026

Figures suggest that the majority of London properties will be at risk of subsidence-related damage by 2080.

Subsidence is already a growing issue across the UK; home insurers paid out £72m for domestic subsidence claims in quarter two of this year. The average subsidence claim reached a record of £20,000, which is over £2,000 higher than in Q2 of 2025.

As the summers get warmer, it’s important to be adequately insured against subsidence. You should also know the warning signs - watch out for cracks wider than a £1 coin, particularly those that are diagonal. Keep an eye on doors and windows that are suddenly difficult to shut. Also, be aware of wallpaper that wrinkles, tears or ripples without any clear cause.

Sources:
https://www.insurancetimes.co.uk/news/londons-subsidence-timebomb-check-your-postcode-here/1459153.article
https://www.abi.org.uk/media-hub/news-post/average-claim-for-subsidence-reaches-record-20000-amidst-hot-weather

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

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

21/10/2026

We know it’s scary to think about your child having a serious illness, but one insurer paid out £804,000 in children’s critical illness claims last year.

The insurer made payouts for 32 children who were diagnosed with a serious illness, with the most common reason being cancer. While it is horrible to imagine this happening to your family, the payouts can provide vital support during distressing times.

Some protection policies include cover for your child, offering you financial assistance if they were diagnosed with a specific illness or suffered a certain injury. In other cases, you would need to purchase this as an add-on. It is therefore important to check your policy terms, so you know when you would be covered.

Sources:
https://protectionreporter.co.uk/lv-paid-152m-in-protection-claims-last-year.html

https://www.lv.com/about-us/press/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record

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

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

19/10/2026

Recent data has emphasised the importance of being transparent with your insurer, otherwise your protection claim could be denied.

According to LV=, around 5% of protection claims were declined in 2025. The main reasons for this were misrepresentation or non-disclosure; policyholders commonly provided inaccurate information about their smoking status, alcohol consumption and medical history.

Leaving out a detail or telling a small ‘white lie’ when applying for protection insurance may seem insignificant. However, even minor inaccuracies could affect the validity of your cover and ultimately prevent you from receiving a payout when you need it most. We understand that non-disclosure might not always be intentional. You may simply forget to mention a previous medical condition, particularly if it happened a long time ago. This is why it is important to take your time when completing an application and check your records carefully.

Don’t let inaccuracies be the reason you don’t receive a payout. If you already have protection in place, it is worth checking that the information you provided when applying is accurate and your insurer has been informed of any changes in circumstances.

Sources:
https://www.covermagazine.co.uk/news/4532874/misrepresentation-disclosure-reasons-denied-claims-lv
https://www.lv.com/about-us/press/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record

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

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

16/10/2026

Thinking of putting your home on the market? Getting the asking price right is essential to attracting a buyer.

Market update
It was a slow summer for the housing market & the number of agreed sales fell. However homes that are priced appropriately still have a chance of getting a buyer.

A buyer’s market
Buyers currently have a lot of choice; the number of available homes increased in 8 out of 11 regions when compared with last year. This has given buyers greater negotiating power, so sellers need to price competitively.

Common pitfalls
In current market conditions, it is risky to be overly ambitious with your pricing. Do your market research and decide a price based on recent sold prices, rather than focusing on advertised asking prices.

It may be tempting to go for a high asking price knowing that you can adjust it later. But this approach will likely take you longer to sell. In July, 30% of homes that had been on the market since quarter two were still unsold, without any price reduction. But research from Savills shows that a seller who gets the price right from the outset can achieve an agreed sale within 28 days.

Know your area
While it’s useful to know what is going on in nationally, it’s essential to understand the conditions in your area. 76% of local markets recorded a fall in agreed sales between May and July; however, about a quarter of areas saw stable or increasing activity. You should therefore speak to a few local estate agents to get their advice on a reasonable price for your property type in your own area.

Seek advice
If you’re looking to move home this autumn, get in touch. We can help you ascertain what you can reasonably afford, so you can enter your property search in the best possible position.

Sources:
https://www.zoopla.co.uk/discover/property-news/is-now-a-good-time-to-sell-your-house-heres-what-really-matters-in-2026/
https://www.zoopla.co.uk/discover/property-news/house-price-index/
https://www.ft.com/content/24a8adf9-8103-44b3-92e8-350ef897dc2a?syn-25a6b1a6=1

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

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

14/10/2026

Research suggests that many buyers’ priorities have shifted, as they no longer look for properties requiring major renovation.

A survey found that 53% of buyers would not take on a property that needed major work. Meanwhile, only 6% said they would actively look for a property that needs renovation. Some (41%) buyers were willing to consider taking on a project, provided that the asking price was reflective of the work that was required.

First-time buyers (FTBs) have traditionally been attracted to fixer-upper properties because they offer a way to buy in a preferred location at a lower price. According to Nationwide, this is because it can enable new homeowners to buy in their preferred location and shape the home to their own taste. However, the survey by LRG indicates that FTB behaviour is changing, with only 5% saying they would seek out a home that needs renovating. The typical renovation project costs £85,000 or more, with 75% of FTBs carrying out more DIY on their new home than expected. The findings suggest that buyers may still be willing to renovate but are increasingly looking for the purchase price to reflect the cost and effort involved.

We can help you – get in touch for mortgage advice.

Sources:
https://thenegotiator.co.uk/news/uk-housing-market-news/no-desire-for-doer-uppers-as-buyers-seek-certainty/
https://thepropertyai.co.uk/property-news/buyers-turn-away-from-renovation-projects-lrg-survey-finds?

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

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

Address

93 Bridger Way
Crowborough
TN62XD

Telephone

+441892582890

Website

http://www.lakewoodmortgages.co.uk/

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.