Affinity Mortgage Solutions Ltd

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Affinity Mortgage Solutions Ltd Affinity Mortgage Solutions are a local, family run business.

A brilliant new scheme has just been announced to help first-time buyers in England get on the housing ladder 🏡All you n...
13/10/2026

A brilliant new scheme has just been announced to help first-time buyers in England get on the housing ladder 🏡

All you need is a 2.5% deposit saved, and the government could step in with 20% towards the value of a new-build home.

Using the average new-build price of £361,730 as an example, that's around £9,043 for your deposit... If you ask us, that's a steal! 🤩

There's also talk of an interest-free period at the start, giving you breathing room before repayments on that equity share kick in.

New builds also tend to be more energy efficient, so your utility bills could be lower from day one. 💷

We don't have all the details yet. Costs and start dates are expected at the Budget, and there will be household income caps and local price limits.

While we wait for more details, we can talk through your options

Speak to us now so you're ready to move when the details land 📲

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Source: https://www.gov.uk/government/news/new-first-time-buyer-scheme-to-be-confirmed-at-budget? https://www.gov.uk/government/statistics/uk-house-price-index-for-may-2026/uk-house-price-index-summary-may-2026?

First homes come with a long checklist. 📃Mortgage sorted, deposit saved, monthly payments worked out. Recent studies sho...
08/10/2026

First homes come with a long checklist. 📃

Mortgage sorted, deposit saved, monthly payments worked out.

Recent studies show us that protection often gets left off that list. In fact, more than 1/3 of first-time buyers don't receive any protection advice at all! 😲

If your income stopped tomorrow, would the mortgage and bills still get paid? 🤔

For a lot of first-time buyers, especially those whose mortgage relies on two incomes, that's a real risk worth thinking about.

A mortgage doesn't cover you if illness or injury stops you working. That's a separate piece of the puzzle.

Income protection, critical illness cover and life insurance all do different jobs, and not everyone needs all three.

Taking on your first mortgage is a good moment to check what protection actually fits your situation.

Want to talk it through? Speak to us. 💬

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Source: https://theintermediary.co.uk/2026/09/more-than-a-third-of-ftbs-do-not-recall-receiving-protection-advice-data-finds/

Knowing your mortgage payment won't change for a while? That's a nice bit of headspace to have. 🏡A fixed rate locks in y...
06/10/2026

Knowing your mortgage payment won't change for a while? That's a nice bit of headspace to have. 🏡

A fixed rate locks in your payment for an agreed period, so budgeting doesn't come with any surprises.

With bond yields putting pressure on pricing right now, some fixed rates could start creeping up.

Fixing now could shield you from that, at least for the time you're locked in.

That said, fixed isn't automatically cheaper. It's about weighing up fees, early repayment charges and how much flexibility suits your situation.

A longer fix gives you more certainty. A shorter one lets you review things sooner if your plans might change.

If your current deal is coming to an end, it's worth having a look at your options early.

Want to talk through what fits your circumstances? Speak to us. 💬

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)
(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Source: https://www.theguardian.com/money/2026/sep/03/uk-mortgage-borrowers-brace-for-rate-jump-global-bond-sell-off

Bonuses, commission, overtime and other income can all shape how lenders view what you can afford. 💷If you're self-emplo...
29/09/2026

Bonuses, commission, overtime and other income can all shape how lenders view what you can afford. 💷

If you're self-employed, that picture gets even more layered. Directors often have salary, dividends and retained profits all playing a part.

Here's the thing. Lenders don't all assess this in the same way.

One might look at your last year's figures. Another might average out three.

The number used for affordability isn't always your basic annual salary, and that's exactly why it pays to look at the wider picture.

Your income could be more mortgage friendly than that payslip suggests. 💬

Want to find out how it stacks up? Speak to us.

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Google will tell you what’s popular.It won’t tell you what suits you.The top result isn’t automatically a good fit for y...
24/09/2026

Google will tell you what’s popular.

It won’t tell you what suits you.

The top result isn’t automatically a good fit for your situation, it’s just the one that ranks well 🔍

Every lender has their own rules on affordability and who they’ll lend to.

Your income, your deposit, your circumstances, they all change what’s actually available to you.

A lot of suitable options never show up in a simple search.

And that headline rate you spotted? It’s not the whole story.

Fees, incentives and the overall cost over time all shape whether it’s a good deal or not.

Google is a good place to start looking. It’s not able to look at your circumstances and match them to something that works.

That’s where speaking to us comes in. We can search beyond the obvious and find something that actually fits 🏡

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Over a million people on 2-year fixed deals could see their payments change soon. 📈The average increase is estimated at ...
22/09/2026

Over a million people on 2-year fixed deals could see their payments change soon. 📈

The average increase is estimated at around £283 a month.

If your deal is ending in the next few months, now is a good time to start looking at what comes next.

You don't have to wait until the deal ends to explore your options.

A product transfer with your current lender is one route, but it's not the only one.

Remortgaging could open up other rates and products worth comparing.

Look at the overall cost, not just the headline rate.

Your income, circumstances or property value may look different to when you last took out your mortgage.

Speaking to us means we can look across different lenders and see what might suit you now.

Planning early gives you more time to understand what's actually on the table. 🏡

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Source: https://theintermediary.co.uk/2026/09/over-one-million-borrowers-could-see-mortgage-payments-rise-by-283-study-finds/

Before you book a single viewing, it’s worth knowing what you could actually borrow.That’s where an Agreement in Princip...
18/09/2026

Before you book a single viewing, it’s worth knowing what you could actually borrow.

That’s where an Agreement in Principle comes in. It’s a document from a lender showing roughly what they’d lend you, based on your circumstances. 💷

It’s not just about your salary either.

Lenders look at your outgoings, your credit commitments, and your overall situation before deciding what fits. 🔎

Knowing this early means you only view homes that are actually within reach.

It also means that when you do find the one, you can move quickly and show sellers you’re serious, as it helps you stand out from the competition! 🏡

So before the Rightmove scrolling begins, get your numbers sorted first.

Speak to us and we’ll help you figure out your budget before you fall for a house you can’t yet afford. 📲

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

The base rate has stayed put at 3.75% today 👀But that doesn’t mean you should put your mortgage plans on pause.Your curr...
17/09/2026

The base rate has stayed put at 3.75% today 👀

But that doesn’t mean you should put your mortgage plans on pause.

Your current rate, when your deal ends, and the type of mortgage you have all affect what today’s decision means for you.

Whether you’re approaching a remortgage, considering your next move or simply wondering what happens now, it’s worth looking at the bigger picture. 📷

Especially because rates can change overnight right now: we’re urging everyone to act fast!

Want to know where you stand? Let’s have a chat. 🏠

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

66% of homeowners under 30 now have terms between 30 and 40 years. 🏠It’s easy to see why. Longer terms often mean smalle...
15/09/2026

66% of homeowners under 30 now have terms between 30 and 40 years. 🏠

It’s easy to see why. Longer terms often mean smaller monthly payments, which can make getting on the ladder feel more doable. 🪜

But there’s a trade-off.

A longer term usually means paying more interest over time, and for some, that could mean still paying off the mortgage close to their 60th birthday. 📈

Choosing a term isn’t just about what feels comfortable now, it’s about what works for your future too.

If you’re weighing up your options, speak to us. We’ll help you find a balance that suits both today and tomorrow. 📱

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Source: https://theintermediary.co.uk/2026/08/66-of-young-homeowners-have-30-to-40-year-mortgage-terms-sprive-finds/

One mortgage application getting declined can feel like the end of the road. 🛣️It isn’t.Every lender has its own rules f...
10/09/2026

One mortgage application getting declined can feel like the end of the road. 🛣️

It isn’t.

Every lender has its own rules for working out what they’ll offer and to who.

One might say no because of your credit history, your income type, or even the kind of property you’re buying. Another could look at the exact same details and say yes.

The trick is understanding why you were declined in the first place. 🤔

Applying again and again without knowing the reason can actually make things harder down the line.

That’s where we come in. 🤝

We look at your situation, work out what went wrong, and find lenders whose criteria actually fit your circumstances.

One no doesn’t mean the whole market is closed to you. It just means we haven’t found your yes yet.

Get in touch today! 📲

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

Address

10-12 Oxford Street
Daventry
NN114AD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

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