Urban Sticks Mortgage Solutions

07/09/2026

Check us out in Dartford Living's September edition (Page 24) 🧡

The September issue of Dartford Living featuring: The Dartford Business Awards 2026, Racing to Le Mans and Helping The Community, Save The Planet: Getting To Know Our Friends!, Dartford Living in the

06/09/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family

✉️ [email protected]
📞 07942 398552

05/09/2026

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.

03/09/2026

🏡 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.

02/09/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover

If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

Pay off or reduce your mortgage
Cover household bills
Make changes to your home
Take time away from work
Help with recovery costs


💼 Income Protection

If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

Mortgage or rent
Household bills
Everyday living costs
Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.

💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Contact me to arrange a protection review
[email protected]

31/08/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent

💡 Household bills

🚐 Vehicle and business costs

🛒 Everyday living expenses

👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?
£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to me today about Income Protection and find out how much of your income you could protect.

✉️ [email protected]

21/08/2026

🏡 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.

20/08/2026

🤔 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.