Kieran at Salus Mortgages

30/08/2025

Thinking of buying at auction? 🏡🔨

The deals can look tempting — but auctions move fast, and mistakes can be costly. Here’s what every investor should know before raising that paddle:

✅ Do your due diligence – the legal pack is your lifeline and will reveal restrictions, risks, and conditions.
✅ Pick the right auction type – traditional or modern, the timelines (and costs) are very different.
✅ Secure fast finance – bridging loans are designed to keep pace when standard mortgages can’t.
✅ Stay disciplined – avoid overbidding or missing hidden defects that eat into your profit.

As a broker, I help clients navigate auctions with confidence — from reviewing risks to arranging the right finance.

📩 Message me here on Facebook or email [email protected]
to book your free consultation today.

13/08/2025

🏡 Big mortgage news!
For the first time since 2022, average UK mortgage rates have dipped below 5% – and there are even some rates under 4%.

💡 What does that mean?

- Lower monthly payments
- More borrowing power
- A great time to review your deal or make a move

If you’ve been thinking about buying or remortgaging, this could be your moment.

📲 Drop me a message and I’ll help you see what this could mean for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

12/08/2025

🎯 Guess the Location!

I’ve picked a property currently on the market for £300k–£600k. Take a look at the photo — where in the UK do you think it is? And how much is it on the market for…

Drop your guess in the comments 👇

I’ll reveal the answer later today.

Thinking about your own move or remortgage? Message me for straight-talking mortgage advice.

10/08/2025

Sunday: coffee in one hand, Rightmove in the other ☕📱 (don’t worry, I’m not judging)

08/08/2025

The Bank of England just cut the base rate to 4%!!

Nice headline, but don’t expect fireworks 🎇

On a tracker? You’ll likely see ~0.25% off your rate pretty fast. 📉

On a fixed? Nothing changes today. Lenders may shave pricing if funding costs play ball.

Thinking of buying/remortgaging? Affordability might improve a touch, but the basics still rule: deposit, income, credit, and the right product.

Translation: good news, not a golden ticket. Want a clear read on your numbers? Drop me a message and I’ll run it straight. 🧮🏠

07/08/2025

🏡 How much could you really borrow for a mortgage?
Most people guess — and get it wrong.

Whether you're a first-time buyer or thinking about re-mortgaging, knowing your true borrowing power is the first step.

We've made it super easy:
🧮 Use our quick, no-jargon Affordability Calculator
It takes 60 seconds, no credit check, and gives you a personalised estimate based on your actual income.

➡️ https://salusmortgages.co.uk/affordability-calculator/
📱 Mobile-friendly & free to use

No spam. No sales pitch. Just real numbers to help you plan smarter.

17/06/2025

Benefits of using a broker part 1,352......

* Clients current deal is coming to an end in August 2025.
* We agree 2 years fixed is the way to go
* Two years fixed either via us or on the lenders app is 4.54% with £999 fee.

Client can arrange this themselves via the lenders app or they can ask me to do it (at no cost) and the outcome is the same....

OR IS IT....

* I notified them rates were going up the day we spoke so we had to move fast. Had we missed it rates would be worst the next day.

* The lenders LTV is an index valuation only and so we can appeal it

* We appeal the valuation and won dropping the loan to value and instantly the rate became 4.24% not 4.54% - Saving the client £70 a month.

* We now have Mortgage Metrics on the clients case checking the rates in case they drop more before the August completion date (which the lender won't do). If they do the client can benefit further.

One decision from the client and a bit of faith in me and a totally different outcome. I know who I would rather have in my corner.

If your rate is coming to and end in the next 6 months give me a call on 01362 685 267 or email at [email protected].

09/06/2025

Lets start the week on a positive! ⭐⭐⭐⭐⭐

Probably one of the best reviews i've had in doing this job! And the card that goes along with it is hilarious.

Lets see what we can do for you, if you're looking to move or remortgage give me a call!

[email protected]
01362 851267
Facebook Messenger

02/06/2025

Estate agent asking for an Agreement in Principle? Here's what you need to do:

The best next step is to speak with a mortgage broker.
You can also go directly to your bank, but mortgage brokers often have a wider view of the market, giving you more options.

Most of the time, it’s a free service, and you’ll receive a certificate to show your estate agent. This proves you’re in a strong position to proceed as a credible buyer! ✅

Get in touch today and take that next step toward your new home! 👉

Email: [email protected]
Phone: 01362 685267

31/05/2025