Salus Mortgage Solutions

05/03/2026

We’ve turned the shop purple in support of Dereham Cancer Care 💜💜

07/02/2026

We’re down at Abels Carriages (on the Swanton Morley road) today from 10am–4pm 👋🏡

We'll be offering free, independent mortgage advice for first time buyers.

If you’re local and thinking about buying your first home — or just want to understand what’s possible — pop in and say hello. No pressure, no hard sell, just honest advice and a friendly chat.

Perfect for anyone nearby who’s been quietly wondering “could I actually get on the ladder?” 🏡

We've even heard there's fizz & nibbles 👀🥂

04/02/2026

🏡 First-Time Buyers – we’re here to help!

We’re excited to be attending the First Time Buyer Event hosted by Abel Homes this weekend at the Carriages (Sat 7th & Sun 8th)

If you’re thinking about buying your first home (or just trying to work out where to even start), we’ll be there on the day to:

• Explain how much you could borrow
• Talk through deposits, schemes, and mortgage options
• Answer questions in plain English – no jargon, no pressure

Buying your first home can feel overwhelming, but it doesn’t have to be. Pop over, have a chat, and get clear on your next steps.

📲 01362 851713
📧[email protected]

13/12/2025

We're on a mission to reach 200 Google reviews by the end of the year, and we'd love your help! 🙌

If you've worked with us and had a great experience, your review makes a real difference. It helps other people in Norfolk and beyond find us and understand what we're about—personalized service, flexible appointments, and mortgages that work around YOUR life.

Leaving a review takes just 2 minutes and means the world to us. If you'd like to share your experience, you can leave a review here: https://g.page/r/CUYJIkjO79hDEBM/review

Thank you for being part of the Salus family! 💙

08/12/2025

Have you stopped by to see Salusaurusrex and Stegasalus? 🦖🎄

18/11/2025

💼 **We Work Around YOU** 🏡

Finding the right mortgage shouldn't mean squeezing into 9-5 appointments. At Salus Mortgage Solutions, we get it – life's busy. That's why we offer evening and weekend consultations tailored to YOUR schedule.

Whether you're a first-time buyer, remortgaging, or navigating a complex case, our independent advisors work with the whole market to find the best deal for you. Plus, if you're an NHS worker, we've got you covered with FREE mortgage advice.

📍 Based in Dereham, serving Norfolk and beyond
🤝 Trusted local expertise since 2009
✨ Ongoing support after completion – we're here for the long haul

Ready to chat? Get in touch today – we'll fit around you.

📞 Call us | 📧 Message us | 🌐 Visit salusmortgages.co.uk

18/11/2025

🏠 Bad credit? You might still be able to get a mortgage.

If you’ve had credit problems in the past maybe a default, or you are / were in a debt-management plan (DMP), don’t assume the door is closed. There are lenders out there willing to consider you.

We're help you explore your options, understand what you need and help build a case to present to the right lender.

📄Here are a few things lenders will look at:

🟩When the default was registered (the older it is, the better)
🟩Whether it’s been satisfied/paid off
🟩If you've had an IVA, how long you've been discharged for
🟩Whether you’re still in a DMP, or it’s finished and you’ve had clean payments since.
🟩How much deposit you have. A bigger deposit means a better chance of being accepted.
🟩Your current credit conduct (missed payments, account management etc)

So if you’ve had a blip but you’ve got your finances moving in the right direction, contact us for a chat. It doesn’t have to mean “never” just maybe a different route. 💚

📞 Send us a message or call us today — let’s see what we can do together.

‼Your home may be repossessed if you do not keep up repayments. Directly Authorised by the FCA.

13/11/2025

📣Heads-up everyone: Experian is changing the way they calculate and display credit scores in the UK.

‼️This is important for anyone thinking of applying for a mortgage, loan, credit card – or just keeping a check on their financial health‼️

Here’s what’s changing:
🔹The scoring range is expanding — from 0-999 up to 0-1,250.

🔹New behaviours will be taken into account, for example: on-time rent payments, reduced reliance on overdrafts, avoiding cash advances on credit cards.

🔹The labels for score bands are being updated (for example “Poor” and “Very Poor” are being replaced with more positive wording like “Low” or “Fair”).

🔹Importantly: your underlying credit report data hasn’t changed, and this update won’t affect any current credit applications you have in progress.

06/11/2025

BANK OF ENGLAND BASE RATE 📊

Holding at 4%, but what does this mean for mortgages?🤔

🔒 Fixed rates - wont change. Many lenders amend their rates days or weeks before the annoucement.
💰Discount, Tracker & Variable - you'll likely see your rate and monthly payment come down within the next few weeks. Your lender will contact you to confirm.

We'll await to see what the budget brings, hopefully some good news for homebuyers & movers 🤞

05/11/2025

22/09/2025

🔑 What’s an Agreement in Principle (AIP) and why do you need one? 🏡

An Agreement in Principle (sometimes called a Decision in Principle or Mortgage in Principle) is a certificate from a lender that shows:
✔ How much you could borrow
✔ That you’ve passed initial credit checks
✔ That you’re a serious buyer

💡 Why it’s important:
👉 Estate agents often ask for an AIP before they’ll accept your offer
👉 It helps you set a realistic budget for house hunting
👉 It makes you stand out from other buyers as “ready to go”

The best part? ✅ An AIP isn’t a full mortgage application, so it’s quick to arrange and gives you confidence before you start viewing properties.

🏠 Thinking about buying your first home? Let us sort your Agreement in Principle so you can view with confidence and make offers straight away.

Drop us a message to get started!

15/09/2025

💰 Where did your deposit come from?

When buying a home, us and your solicitor need to see a clear build-up of funds for your deposit.

Why? 🤔
It’s part of Anti-Money Laundering checks ✅ Lenders and solicitors must make sure your deposit has come from a legitimate source.

Here are some common examples:
✔ Savings built up over time (backed by bank statements)
✔ Gifted deposits from family (needs a signed “gifted deposit letter”)
✔ Inheritance (solicitor’s letter or probate evidence)
✔ Sale of an asset – like a car or previous property

⚠️ Lump sums suddenly appearing in your account can raise questions – so it’s best to keep a clear paper trail.

✨ Tip: Start gathering your evidence early (payslips, bank statements, letters, etc.). It makes the process smoother and avoids delays later on.

🏡 Buying your first home? We’ll guide you step by step.

📲 Message us today to get started.