Michelle Deogun Cert CII MP - Mortgage & Protection Adviser

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

🏡 Good news for fixed-term contract workers!One of the UK’s largest mortgage lenders has changed the way it assesses cer...
22/08/2026

🏡 Good news for fixed-term contract workers!

One of the UK’s largest mortgage lenders has changed the way it assesses certain applicants on fixed-term employment contracts 🙌

If you’re currently working on a fixed-term contract and fall into one of the following categories, you can now be assessed under the lender’s standard employment criteria:

👩‍⚕️ Medical doctors

👨‍🏫 Teachers (excluding supply teachers and teaching assistants)

🌍 UAE residents with a total contract duration of 3+ years

This could make getting a mortgage more straightforward for people who previously faced additional criteria because of their employment contract.

💬 On a fixed-term contract and wondering what your mortgage options look like?

Drop us a message and we can take a look at your circumstances and the lenders that may be available to you.



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.

🤔 How Much Protection Cover Do I Need?It's one of the most common questions we hear, and the honest answer is...It depen...
19/08/2026

🤔 How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:

🏡 If you weren't here tomorrow, could your family afford to stay in their home?

💷 If you couldn't work because of illness or injury, how would you pay your monthly bills?

🩺 If you were diagnosed with a serious illness, would you have enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review. We'll help you understand your options and make sure your cover is right for your needs.

Urban Sticks Mortgage Solutions Ltd are an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

🏡 Want to buy a home with little or no deposit?A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeowne...
07/08/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:

✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)

✅ Available for purchases and remortgages

✅ Up to 4 applicants' income can be considered (subject to affordability)

✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.



Subject to eligibility and full mortgage assessment.

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.

🏗️ Protect your income – and your businessBeing self-employed means you're in control of your business...But it also mea...
06/08/2026

🏗️ Protect your income – and your business

Being self-employed means you're in control of your business...

But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:

🚐 Van or vehicle lease payments
🏢 Rent for your business premises
🛠️ Equipment or machinery hire
🛡️ Business insurance
💡 Utility bills
💳 Loan or finance repayments
📞 Phone, broadband and other essential business expenses

These are known as fixed costs because they continue whether you're working or not.

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury. Even better, if you're self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you're self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch today [email protected]

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡 With International Self-Care ...
29/07/2026

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡

With International Self-Care Day on 24th July, it's a great reminder that financial wellbeing is an important part of self-care.

For many aspiring homeowners, the biggest hurdle isn't the monthly mortgage payment - it's saving enough for a deposit.

The good news is that new mortgage options are becoming available to help more first-time buyers get onto the property ladder, including products that may offer:

🏡 Up to 98% loan-to-value

💷 Deposits from as little as £5,000

📈 Higher income multiples for eligible applicants

🤝 Free Standard valuation

Every lender has different criteria, and these products won't be suitable for everyone. That's why getting independent mortgage advice is so valuable. A broker can help you understand what's available and find a mortgage that's right for your circumstances.

📩 Email [email protected] for information on the lender offering the above.



Subject to eligibility and full mortgage assessment.

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 the Unthinkable Happens, Financial Support MattersNo parent ever wants to imagine hearing the words, "Your child is...
25/07/2026

When the Unthinkable Happens, Financial Support Matters

No parent ever wants to imagine hearing the words, "Your child is seriously ill." 💔

In those moments, the last thing you should be worrying about is money.

👶 Children's Critical Illness Cover can provide a tax-free lump sum if your child is diagnosed with a covered serious illness, helping you:

❤️ Take time away from work to be by their side

🏥 Cover travel and treatment-related expenses

🏡 Pay everyday household bills while life is turned upside down

✨ Focus on what truly matters – your child's recovery

We can't protect our children from everything, but we can help protect our families from the financial impact that serious illness can bring.

Because when your child needs you most, every moment matters. 💙

👉📞 Reply to this post or email [email protected] to find out how I can help

13/07/2026

👀 Halifax is changing...

You may have seen last week's announcement that Lloyds Banking Group, has confirmed that Halifax Intermediaries will become Lloyds Intermediaries in early 2027.

While the name is changing, the important thing is what it means for you as a customer.

If you're a Lloyds Premier Personal Current Account customer, there are exclusive mortgage products available through your mortgage broker. You don't need to go directly to the bank to access these rates - I can arrange them for eligible customers, whilst comparing with other rates.

In the meantime, if you currently have a Halifax mortgage, I can also access the same Halifax rates and products for existing customers - before accepting your renewal offer, let me carry out a full mortgage review, and compare with the wider market to make sure you're getting the right deal.

📩 Get in touch if you'd like me to review your mortgage.

Email - [email protected]
Call - 07584 097 787

Subject to eligibility and full mortgage assessment.

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.

🌟 Celebrating Independent Retailer Month 🌟Independent retailers are the heart of our communities.They open early, close ...
12/07/2026

🌟 Celebrating Independent Retailer Month 🌟

Independent retailers are the heart of our communities.

They open early, close late, build relationships with their customers and keep our high streets thriving. Behind every small business is someone who has worked hard to turn a dream into a livelihood.

But here's a question that's worth asking...

If illness or injury meant you couldn't work for several months, what would happen to your income?

Unlike many employees, business owners and the self-employed often don't have the safety net of employer sick pay. That can make an unexpected illness just as challenging financially as it is personally.

That's where personal protection can make a real difference.

❤️ Life Cover can help protect your loved ones if the unexpected happens.

🩺 Critical Illness Cover can provide a lump sum following the diagnosis of a covered serious illness.

💼 Income Protection can provide a regular income if you're unable to work due to illness or injury, helping you focus on recovery rather than worrying about the bills.

This Independent Retailer Month, let's celebrate the people who keep our local communities going, and remember that looking after yourself is one of the most important investments you can make in your business.

Not sure which protection is right for you? Let's have a chat.

👉📞Email [email protected] or contact me on 07584 097787 to arrange your review.

🏡 Is Gen Z giving up on homeownership? Think again.Despite what you might hear, many Gen Z buyers are still determined t...
04/07/2026

🏡 Is Gen Z giving up on homeownership? Think again.

Despite what you might hear, many Gen Z buyers are still determined to get on the property ladder, they're just taking a different approach.

For many first-time buyers, affordability is taking priority over location, and compromise is reshaping young buyer behaviour. Whether it's looking a little further afield or choosing a different type of property, many are making smart decisions to get their foot on the ladder.

As a first-time buyer, it can be difficult to know where to start. Which lender is offering the best deal? Who will lend you the most? Which mortgage is actually right for your circumstances?

That's where I come in.

As a mortgage broker, I compare lenders, explain your options in plain English, and help you find a mortgage that's right for you, making the process as simple and stress-free as possible.

📩 Drop me a message and let's see what's possible.




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

This time last year, my bowel most definitely went through the wars. I didn't realise how hard my recovery was going to ...
03/07/2026

This time last year, my bowel most definitely went through the wars. I didn't realise how hard my recovery was going to be (obviously blocked out my first bowel resection 27 years previously) Let's hope this Summer is more fun!! 🧡

GetYourBellyOut
Crohn's & Colitis UK
DYNAMO

Address

Victoria Road
Dartford
DA15FS

Opening Hours

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

Telephone

+447942398552

Website

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