Urban Sticks Mortgage Solutions

03/06/2026

🏡 Struggling to buy a home and need help from Mum & Dad?

A Joint Borrower Sole Proprietor mortgage could help you get onto the property ladder 👇

This allows parents or close family members to support the mortgage application using their income, helping boost affordability, without being named on the property deeds.

One of the biggest challenges with these mortgages is that many lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments as your mortgage term is short.

But some lenders take a different approach 👀

✔ They can assess the term using the younger applicant’s age
✔ Lending may be available up to age 80
✔ Some lenders even have no maximum age limit

This could mean lower monthly payments and more borrowing potential...

📩 Message me to see what options may be available to you.
[email protected]



Subject to full mortgage application and product range.

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.

12/02/2026

Great night for all you budding quizzers.

25/03/2025

Around 84% of property transactions are taking 3-4 months to complete when going from acceptance of an offer to completion.

17/03/2025

Reviews are always lovely to receive especially on a Monday, great start to the week and if any of our advisers can help you whether its your first home or you are moving or just looking for a better deal please get in touch.

Chloe says

Securing a mortgage with the help of Terry at Urban Sticks was a very positive experience, particularly as a first time buyer. Terry constantly went above and beyond to help me and communication was always quick and clear. Would highly recommend.

01/08/2024

Get yourself an estate agent that truly works for you, great honest service. Gary the Estate Agent is ready for your call.

The Bank of England (BoE) has announced it will reduce the Base Rate to 5% this month, a reduction of 0.25%, and the first cut in four years. The Base Rate had been held at 5.25% since August 2023, after 14 consecutive rises.

What’s happened to mortgage rates recently?

Back in January, we saw an unexpected rise in inflation, which resulted in mortgage rates edging up throughout the spring. But off the back of positive inflation news over the last few months, which saw inflation return to its 2% target, we’ve seen more settled mortgage rates.

Off the back of the certainty brought by a new government, and mortgage lenders competing for new business, we’ve seen mortgage rate drops gather pace in the last couple of weeks. In fact, we saw the arrival of the first sub 4% rate seen for many months for borrowers with larger deposits, and we can expect more lenders to follow suit in the coming weeks.

Are you looking to buy a property? Please visit my website for some fantastic properties currently available for sale 🏠

Thinking of selling or letting your property? 🏠🤔

The moving process doesn't have to be so difficult, I handle the entire process for you from start to finish 💥

I love my job and I love helping people move. I've been doing it for 34 years now 💥

I am based in Dartford and I can sell or let a property in any area that I choose 💜✅
Since I went self-employed in March 2020, I have been fortunate to help sellers, buyers, landlords and tenants in the following areas: Dartford, Greenhithe, Hawley, Sutton at Hone, Darenth, South Darenth, Stone, Wilmington, Barnehurst, Crayford, Bexley, Bexleyheath, Welling, Sidcup, Crockenhill, Swanley, Swanscombe, Northfleet, Abbey Wood & Meopham and hope to help many more 😀

You can book your “Free” property valuation via my website or give me a call💥

I personally will be with you by your side from the day you meet me till the day you hand those keys over💥

I can also refer solicitors, mortgage services, surveyors & EPC surveyors, should you require them

For coming soon properties, videos and my services, follow my page or go to my website www.garylintorn.com

A Different Kind Of Property Experience!

☎️ 01322 555 000
📱 07985 106832
📧 [email protected]
🕵️‍♀️ www.garylintorn.com

I'm Gary the Estate Agent, Let Me Get You Moving...

More than just an estate agent 😊

01/08/2024

With the news frequently highlighting the rapid changes to the mortgage market it’s easy to get into a panic over what it means for your individual circumstances.

But your best bet, is to speak to your adviser who will be able to guide you through what the changes mean for you and your mortgage.

Get in touch today:
0800 612 8322
[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.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

29/07/2024

Very interesting article from Gary the Estate agent

📣💥Good news for buyers & sellers📣💥

💥Mortgage summer price war hots up amid base rate cut speculation💥

📣Mortgage rates dropping ‘faster than expected’📣

Lenders are continuing to drop the cost of their mortgages as speculation grows that the Bank of England could opt to cut the interest rate for the first time in four years next week.
Earlier this week, Nationwide reintroduced sub-4% fixed rate mortgages as it cut rates by up to 0.25% across its two-, three-, and five-year fixed rate products.

Now, Barclays and TSB have become the latest lenders to cut fixed-rate deals, with a summer price war appearing to intensify ahead of the Bank of England interest rate decision on Thursday 1 August.

Barclays announced cuts of up to 0.1% to a wide range of its residential purchase and remortgage deals, effective from today (26 July). The lender is offering a five-year fixed rate for home purchase at 4.04%, with an £899 fee, for borrowers with at least a 40% cash deposit (60% loan to value), while Barclays Premier Banking customers can get the same deal at 4.03%.

TSB, meanwhile, has lowered selected fixed rates for new and existing customers by up to 0.2%, effective from today. The lender is offering a two-year fixed rate for home purchase from 4.54% with a £995 fee, or at 4.14% over five-years, with the deal requiring at least 40% cash deposit.

A number of other lenders have also reduced borrowing rates this week, including Skipton, Mpowered Mortgages and Atom Bank.

“The rate reductions we’ve seen this week are great news for borrowers and reflect strong market competition and confidence that there will soon be a reduction to the Bank of England base rate.

“These latest reductions will provide significant savings for those looking to secure a mortgage or remortgage, making it an opportune time to consider locking in a fixed rate.”

There appears to be growing confidence that the Bank of England will cut interest rates next week. A Reuters poll of economists found the majority expected the monetary policy committee to vote in favour of a drop in the base rate from its current 15-year high of 5.25%. Some 49 out of 60 – over 80% – of respondents to the survey, held over 18-24 July, believed a cut would be made.

The latest falls in mortgage rates and speculation surrounding the Bank of England’s next move coincide with a new report from the Institute of Fiscal Studies claiming that as many as 320,000 UK adults had been pushed into poverty by rising mortgage costs following 14 hikes in the base rate over the last two years.

If you would like to discuss a new or existing mortgage give me a call and I will put you in touch with our resident mortgage advisor. All cases considered self-employed/employed😁

If you are currently looking to buy check my website for some fantastic properties currently available, coming soon properties, videos and my services www.garylintorn.com

A Different Kind Of Property Experience!

☎️ 01322 555 000
📱 07985 106832
📧 [email protected]
🕵️‍♀️ www.garylintorn.com

I'm Gary the Estate Agent, Let Me Get You Moving...

More than just an estate agent 😊

02/07/2024

If your income ceased due to an illness or injury, what would this mean for you and your family’s lifestyle over:
• 1 month?
• 6 months?
• 1 year?
• 5 years?
• 10 years?

If you don’t know the answer, perhaps it’s time to talk to us about the ways you can protect your income:
Tel: 0800 612 8322
Email: [email protected]

02/07/2024

https://www.facebook.com/reel/199357039897653

28/06/2024

If you are looking for a local business or service make sure you look through the index of the magazine where you can find details of everyone that features in the magazine.
Head to the index below.
https://buff.ly/4boNIsA