Michelle Deogun Cert CII MP - Mortgage & Protection Adviser

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Michelle Deogun Cert CII MP - Mortgage & Protection Adviser Mortgage and Financial Protection Specialist @ Urban Sticks Mortgage Solutions Ltd.

🏠 When Life Changes, Your Mortgage Options Can TooGoing through a divorce or separation can bring a lot of uncertainty, ...
24/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:

Can I afford to stay in my home?

Can I take the mortgage on by myself?

Could a family member help me with affordability?

What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:

Lenders that allow family members to boost your affordability with their income.

Lenders offering stronger income multiples, which could increase how much you’re able to borrow.

More flexible approaches to different types of income.

Interest-only or part-and-part options where appropriate.

Competitive mortgage rates from across the market.

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬

✉️ [email protected]



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🔍 When did you last check what other benefits come with your insurance?You might be paying for protection every month… b...
23/10/2026

🔍 When did you last check what other benefits come with your insurance?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:

🩺 24/7 GP appointments

🏥 Hospital benefit – a payment if you’re admitted to hospital

🦴 Fracture cover – a lump-sum payment for certain fractures

🧠 Mental health support

💪 Health & wellbeing services

👨‍⚕️ Second medical opinions

💻 Remote medical consultations

👨‍👩‍👧 Support for your family

🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

✉️ [email protected]
📞 07942 398552

🏡 Mortgage deal ending in 2027? Let’s chat now.Why so early?Because when your current mortgage deal is coming to an end,...
22/10/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what's happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.

I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🏡 Could a 2.5% deposit be enough to buy your first home?The Government has announced plans for Y...
21/10/2026

🏡 Could a 2.5% deposit be enough to buy
your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:

🔑 Just a 2.5% deposit

🏠 20% government-backed equity loan

💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🏡 Could you buy a home with £0 deposit?Saving a deposit is often one of the biggest barriers to buying a home — but ther...
21/10/2026

🏡 Could you buy a home with £0 deposit?

Saving a deposit is often one of the biggest barriers to buying a home — but there are more options out there than you might realise.

I’ve just started working with a mortgage lender offering 100% mortgages, meaning eligible buyers could purchase a home with no deposit at all. 🔑

And it’s not just for first-time buyers. Their mortgages are available for:

🏠 First-time buyers struggling to build a deposit

🔑 Home movers who may not have enough equity in their current property

👩‍🏫 Key workers, with enhanced affordability options available

🏗️ New-build properties, including some new-build flats

There are eligibility and affordability criteria to meet, so a 100% mortgage won’t be suitable or available for everyone. But if the deposit is the thing stopping you from buying or moving home, it could be worth finding out what your options actually are.

📩 Drop me a message if you’d like me to take a look at your circumstances.

[email protected]



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Could buying a home be more achievable than you think? 🏡 You might be surprised at what could be possible with today’s m...
20/10/2026

Could buying a home be more achievable than you think? 🏡


You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000

🏦 Potential mortgage: £218,500

🏡 Property price: £230,000

🔑 Deposit: £11,500 (5%)

📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

📨 [email protected]
📞 07942 398552

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based.

🚨 Terminal Illness Cover vs Critical Illness Cover🤔 They sound similar… but they’re NOT the same!One of the biggest misc...
19/10/2026

🚨 Terminal Illness Cover vs Critical Illness Cover

🤔 They sound similar… but they’re NOT the same!

One of the biggest misconceptions about personal protection is that terminal illness cover and critical illness cover are basically the same thing.

❌ MYTH: “If I have terminal illness cover, I don't need critical illness cover.”

👉 FACT: They protect you against very different situations.

❤️ TERMINAL ILLNESS COVER

Usually included as part of a life insurance policy.

It can allow your life insurance benefit to be paid early if you're diagnosed with a terminal illness that meets the policy definition, typically where you're expected to die within 12 months. Think of it as accessing your life cover early.

🩺 CRITICAL ILLNESS COVER

Can pay a lump sum if you're diagnosed with a specific critical illness covered by your policy, such as certain cancers, heart attacks or strokes. The important point? You don't necessarily need to be terminally ill. You could receive a critical illness pay out and go on to recover or live for many years.

💡 MYTH: “Cancer means I'll automatically receive a critical illness pay out.”

❌ Not necessarily.

Critical illness policies have specific definitions, and the type or severity of cancer covered can vary between insurers. Always check the policy wording.

💡 MYTH: “Terminal illness cover gives me extra money on top of my life insurance.”

❌ Usually not.

It is generally an early payment of the life insurance benefit, so once paid, the life cover normally ends.

🛡️ THE BOTTOM LINE

Terminal Illness Cover = Protection if you're diagnosed with a terminal condition.

Critical Illness Cover = Protection if you're diagnosed with a specified serious condition covered by the policy.

They can work alongside each other because they protect against different financial risks.

📞 Not sure what your current protection actually covers? Call me for a no obligation review.

A protection review could help identify any gaps before you need to make a claim.

Definitions, conditions, exclusions and claim requirements vary between providers. Critical illness cover only pays where the policy definition is met. Always check the relevant policy terms and conditions.

“I don’t need insurance…” - Until you do.It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t ...
18/10/2026

“I don’t need insurance…” - Until you do.

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”

And hopefully, it won’t. ❤️

But what if life had other plans?

🏡 Your mortgage still needs paying.

💷 Your bills don’t stop.

👨‍👩‍👧 Your family still needs supporting.

💰 And your savings? They could disappear quicker than you think.

Here’s the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

📈 97.9% of individual protection claims were paid in 2025.

That’s financial support reaching people when life didn’t go to plan.

So, here’s one question worth asking yourself:

If your income disappeared tomorrow, how long could you and your family manage financially?

A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?

You don’t need to have all the answers today. You just need to take the first step.

📩 Send me a message for a chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.

✉️ [email protected]

Because the best time to think about protection is while you still have the choice.

Address

The Base, Dartford Business Centre, Victoria Road
Dartford
DA15FS

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Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+447942398552

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