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Urban Sticks Mortgage Solutions

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Urban Sticks Mortgage Solutions

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Urban Sticks Mortgage Solutions Ltd is an Appointed Representative of The Right Mortgage Ltd, which

03/11/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:

✅ Register on the electoral roll.

✅ Pay bills and credit repayments on time.

✅ Keep credit card balances low.

✅ Avoid making multiple credit applications in a short period.

✅ Check your credit report for any errors.

🏡 But what if your credit score still isn't quite high enough?

There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Drop us a message and let's explore 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 on your circumstances.

02/11/2026

“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.

31/10/2026

🏡 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.

30/10/2026

🎒 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

29/10/2026

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.

28/10/2026

🔍 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

28/10/2026

🏠 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.

27/10/2026

🏡 A mortgage with NO monthly repayments? Yes, it's possible!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰 How does it work?

Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

Who could qualify?

✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

Why might this be useful?

It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

Available for both residential and Buy-to-Let properties in England and Wales.

⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩 Have significant assets but looking for a more flexible mortgage solution? Get in touch to explore your options.

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.

26/10/2026

🏡 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.

Address

Dartford
DA15FS

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+448006128322

Website

http://www.urbansticks.co.uk/

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